Richmond, first homes to renovations.

Richmond buyers tend to fall into three groups: first home buyers stretching to afford a tight workers' cottage, owners who want to renovate or rebuild, and investors drawn by the strong rental fundamentals. Each group needs a lender with a different approach to LVR, valuation and construction policy.

In Richmond we arrange purchase and refinance loans, renovation drawdowns and small-scale construction finance. The FHBG, first home buyer stamp duty concessions and low-deposit products all come into play, often together.

Richmond's housing is varied: terraces, warehouse conversions, townhouses and new apartment developments. With that mix, it helps to have a broker who can find the lender that already funds your type of building.