Hawthorn, for upsizers.
Hawthorn attracts upsizers, investors and families moving up from the inner city. What they share is an interest in properties with character, where lender appetite varies more than most people expect.
Period homes and complex income
Period homes (Edwardian, interwar and Victorian) make up a large share of Hawthorn stock. Buyers like them, but they can be tricky at valuation, especially when a home has been partly renovated or extended. Choosing the lender is less about rate than about who will read the valuation well.
We work with Hawthorn clients on upsizing, refinancing, investor purchases, equity release and SMSF lending. Many people in the inner east are professionals or business owners, so complex income often matters more than deposit size.
What we see in Hawthorn
Hawthorn valuations are usually sensible, though construction, renovation and unusual block shapes can catch people out. We raise those issues early and structure the loan around them.
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