Richmond, from FHB to reno.

Richmond buyers tend to fall into three groups: first home buyers stretching into a tight workers' cottage, existing owners who want to renovate or rebuild, and investors targeting the strong rental fundamentals. Each needs a different lender posture on LVR, valuation and construction policy.

We handle purchase, refinance, renovation drawdowns and small-scale construction finance through Richmond. The FHBG, first home buyer stamp duty concessions and low-deposit products all come into play — often in combination.

Richmond's property stock is genuinely diverse: terraces, warehouse conversions, townhouses and new apartment developments. That mix rewards a broker who can pick the lender that already funds your building type.