Home Loans by City - Sydney, Melbourne, Brisbane, Perth, Adelaide | Esteb and Co
Local Expertise

Home Loans By City

Local market knowledge for Australia's major capital cities. Find the best lenders and rates for your city's property market.

Important Information

Esteb and Co provides credit assistance services. We are licensed credit representatives (ASIC Credit Rep #574070) who help you compare loan options from our panel of lenders. We do not lend money directly. All loan approvals are made by lenders, subject to their criteria and responsible lending assessments. Our service is free to you - we receive commissions from lenders. Read our Credit Guide

Choose Your City

Get local market insights, property prices, lender recommendations, and first home buyer information for your city.

Sydney

New South Wales

Median House

$1.42M

Median Unit

$785K

Australia's largest city. Premium property market with strong capital growth. Great for investors and professionals.

View Sydney Lenders →

Melbourne

Victoria

Median House

$1.08M

Median Unit

$625K

Cultural capital with strong apartment market. Excellent lifestyle and affordable than Sydney. Popular with first home buyers.

View Melbourne Lenders →

Brisbane

Queensland

Median House

$895K

Median Unit

$535K

Fastest-growing capital. Strong interstate migration, great climate. Excellent for investors with high rental yields.

View Brisbane Lenders →

Perth

Western Australia

Median House

$730K

Median Unit

$465K

Mining hub with high incomes. Beautiful beaches, great lifestyle. Ideal for FIFO workers and mining professionals.

View Perth Lenders →

Adelaide

South Australia

Median House

$795K

Median Unit

$485K

Most affordable capital city. Excellent lifestyle, low cost of living. Perfect for first home buyers on a budget.

View Adelaide Lenders →

Why Local Expertise Matters

🏛️ State-Specific Rules

Stamp duty, land tax, and first home buyer grants vary by state. We know the local rules and how to maximize your savings.

🏘️ Suburb Knowledge

Lenders have preferences for certain suburbs and postcodes. We know which lenders love which areas in your city.

📈 Market Trends

Each city's property market moves differently. We track local trends, median prices, and rental yields to give you context.

Market Comparison

City Median House Median Unit Avg. Loan Affordability
Sydney $1.42M $785K $685K Low
Melbourne $1.08M $625K $525K Medium
Brisbane $895K $535K $435K Good
Perth $730K $465K $365K Good
Adelaide $795K $485K $395K Best

Data as of October 2025. Source: CoreLogic

Ready to Compare Lenders in Your City?

Compare options from the best lenders for your city's property market. Local expertise, national reach.

Start Your Assessment →

✓ 2 minute assessment ✓ No credit check at initial stage ✓ Compare 83 lenders ✓ City-specific advice

Ricky Esteb - Licensed Mortgage Broker
Richard (Ricky) Esteb
Licensed Mortgage Broker & Founder
Credit Rep #574071 ACN 681 636 056 83+ Lender Panel

With direct experience helping Australians secure home loans, car finance, and business funding, Ricky founded Esteb and Co to bring transparency and technology to mortgage broking. Every piece of content is written from real-world lending experience.

✓ Verified & Last Reviewed: December 2025 | Content meets ASIC regulatory requirements
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