From your first Art Deco apartment to a period-home upgrade or an investment near the beach, Navigator Broking helps Elwood buyers get the right loan — with access to 60+ lenders and personal service from director Santino Marinelli. We know which lenders say yes to apartments, and how to structure a purchase in this market.
Elwood median house price
Lenders compared for you
Local — based in Brighton
Cost to you — lender pays
One of Bayside's most diverse markets needs a broker who knows apartments and houses alike
Elwood is one of Bayside's most distinctive markets — leafy streets of Art Deco apartments and Edwardian and period houses, a stone's throw from the beach and the St Kilda café strip. House prices sit around a median of $2.4M, while a large and active apartment market opens the door for first-home buyers and investors at very different price points. That mix is exactly why one bank's rulebook rarely fits: lenders treat small apartments, Art Deco blocks and high-density buildings very differently, and the wrong choice can mean a knock-back or a tighter loan than you need.
As a Bayside local, Santino works alongside the agents, valuers and conveyancers operating across Elwood, St Kilda and Middle Park every week. For a first-home buyer that means knowing which lenders accept your apartment as security and how to use first-home buyer schemes; for an investor it means realistic borrowing capacity and rental assessment from day one; and for an upgrader moving into a period home, a settlement timeline you can actually plan a purchase around.
Local presence, market-wide choice
No call centre, no interstate processing team. You deal directly with Santino, a Bayside local who knows Elwood's streets, the beachside lifestyle and the apartment-and-period-home market you're buying into.
We compare the whole market and match the right lender to your security — whether that's an Art Deco apartment or a period house — and under Best Interests Duty we're legally bound to put your interests first.
Elwood is a real entry point to Bayside. We help first-home buyers into their first apartment with the right scheme and lender, and structure investment loans for the suburb's strong rental demand.
The lender pays the broker on settlement, so our advice and ongoing service cost you nothing.
From your first apartment to your next investment or upgrade
Pre-approval and purchase finance for first-home buyers, apartment buyers and period-home upgraders, with lenders matched to your security type. How home purchase works.
Elwood's beachside location drives strong rental demand. We structure investment loans and assess borrowing capacity for your next purchase. Investment options.
Review your current rate and structure — many Bayside borrowers are overpaying. See how refinancing works.
Company directors, business owners and freelancers — the income profiles that make mainstream lenders nervous are our specialty. Self-employed solutions.
A single bank only offers its own products — and many lenders apply tight rules to Art Deco apartments, smaller floor plans and high-density blocks that are common in Elwood. As a Bayside broker with access to 60+ lenders, we know which lenders accept which security types, compare the market, and manage the application end to end — at no cost to you.
Elwood is a mix: a large Art Deco apartment market alongside period houses with a median around $2.4M. So we see first-home buyers stepping into their first apartment, investors chasing strong rental demand near the beach and St Kilda, and house upgraders moving up within the suburb — each needs different structuring, and not every bank lends the same way on apartments.
No. The lender pays the broker on settlement, so our service is free to you. Under Best Interests Duty we're legally required to act in your best interests, not the lender's.
Yes. We're based in Brighton but service the whole Bayside region and greater Melbourne — Elwood, St Kilda, Middle Park, Albert Park, Brighton, Hampton, Sandringham, Bentleigh and beyond.
Book a no-obligation chat with Santino — local, market-wide, and free to you.
Or call me directly
Speak with Santino Now