Your Trusted Mortgage Broker in Hamilton
From riverfront apartments near Portside to Queenslanders on Hamilton Hill, most Hamilton buyers are upgrading, downsizing or taking on a larger loan. Patrick Moore and the Loan Market Clayfield team help Hamilton clients with purchases that have more moving parts.
Larger loans
The size of the loan changes how lenders assess it. Above certain amounts, lenders may ask for a lower loan to value ratio, more documents or a full valuation, and some offer sharper pricing for larger loans with a bigger deposit. We know which lenders suit larger loans and prepare the application with that in mind.
Buying before you sell
Many Hamilton purchases depend on selling another home. We compare bridging finance with a simultaneous settlement, work out your peak debt and end debt, and plan the timing with your agent so you are not forced into a rushed sale. Read our guide to bridging finance.
Northshore and riverfront apartments
Newer apartments around Hamilton Northshore and Portside come with their own lender rules. For an off the plan purchase the valuation happens close to settlement, so we check your deposit can absorb a lower figure. Body corporate levies on larger buildings can be significant, and lenders include them in your expenses.
Downsizing
Moving from a family home into an apartment can mean a much smaller loan, no loan at all, or a short term loan to cover the gap between buying and selling. If you are approaching retirement, lenders will ask how the loan will be repaid, and we help you show a clear plan.
Buying through a trust or company
Some Hamilton buyers purchase through a family trust or company. Lenders differ on trust structures and the personal guarantees they require, so we work with your accountant to choose a structure that suits both the lender and your tax position.
Talk to us
Call Patrick on 0422 248 540 or the office on 07 3262 1600, or book a strategy call online. Our office at 787 Sandgate Road, Clayfield is open Monday to Friday from 8:30 AM to 5:30 PM and Saturday from 9:00 AM to 1:00 PM. We work with over 90 lenders and have over 250 five star Google reviews.
Reviewed by Patrick Moore, Director, Loan Market Clayfield, November 2026. This is general information only and does not take into account your personal circumstances. Lender policy varies.