High-net-worth families, medical specialists and business owners in Toorak deserve a broker who works at this level every day. Navigator Broking provides direct access to director Santino Marinelli — no call centres, no hand-offs — with access to 60+ lenders and the credit expertise to handle trusts, companies, large facilities and medico lending structures cleanly. Inner-east knowledge, market-wide options.
Typical house price territory in Toorak
Lenders compared for you
You deal with Santino — not a call centre
Cost to you — lender pays
One of Melbourne's most prestigious suburbs requires a broker who works at this level every day
Toorak is one of Melbourne's most sought-after and tightly held residential addresses, home to established families, senior executives, medical specialists and business owners whose financial lives rarely fit a standard bank application. The loan is almost never straightforward — large loan sizes, income distributed through family trusts and companies, professional practice revenue, residential investment property alongside a principal home, and substantial existing facilities that may need restructuring. A retail bank branch is not set up to handle this well, and private banks can only offer their own balance sheet. An independent specialist broker gives you both the personal service and the market-wide access.
The surrounding streets of Armadale, South Yarra and the Malvern fringe share much of the same profile: professionals upgrading within the precinct, families looking to consolidate or restructure after years of portfolio growth, and privacy-conscious borrowers who simply want one senior person handling everything from first conversation to settlement. The area spans landmark period homes on quiet residential streets to new-build luxury residences along the Toorak Village corridor, with the prestige agents and valuers active across Toorak, Armadale and South Yarra part of the same working network. Santino works directly with clients in this segment — no junior staff, no offshore processing — and has the credit understanding to navigate complex income, large facilities and specialist lender policies without losing time or the client's confidence.
The clients mainstream lenders find difficult are our everyday work
High-net-worth families and executives holding a principal residence and one or more investment properties — often with existing facilities spread across multiple lenders, offset accounts and fixed-rate tranches that need to be considered together rather than in isolation. Multi-lender access means we can assess the whole picture and recommend a structure that improves both rate and cash flow without triggering unnecessary costs.
Medical specialists — surgeons, specialists and registered practitioners — can access lending structures with selected lenders that may allow borrowing without lenders mortgage insurance in some cases up to 90% LVR, subject to eligibility and lender policy. We confirm what applies to each applicant's professional registration and income profile before making any recommendation; there is no blanket rule that applies to every medical professional.
Business owners and company directors drawing income through a company, a family trust, or both, face the most variability in how lenders will treat their income. Some lenders take a conservative two-year-average view; others assess on a more commercial basis given the business track record and cash flows. Knowing which lender to approach — and how to present the file — determines whether the application proceeds smoothly or stalls at credit assessment. We bring that lender-level knowledge to every file.
Private-bank-level service — without the single-bank constraint
You deal directly with Santino from first conversation through to settlement — no hand-offs to a processing team, no junior staff interpreting your file, no surprises mid-application. Discretion and directness throughout.
A private bank relationship is valuable, but it limits you to one set of policies and one set of pricing. We compare the whole market — including lenders that specialise in high-net-worth, complex income and large facilities — and structure the loan around your situation. Under Best Interests Duty we are legally required to act in your interests, not any particular lender's.
Trust distributions, company dividends, director drawings, professional practice income and share portfolios — the income structures common in Toorak and Armadale households are exactly the profiles where lender selection and application presentation matter most. Self-employed and complex income lending.
Eligible medical professionals may be able to access lending with selected lenders without lenders mortgage insurance, subject to registration and lender eligibility criteria. We work through the detail before lodging — not after. Medical professional loans.
Company directors and business owners often need to finance commercial premises or business acquisitions alongside their residential borrowing. We can help across both, with lenders who understand the relationship between personal and business balance sheets. Commercial property finance.
The lender pays the broker a commission on settlement, so our advice and ongoing service cost you nothing.
From purchase and refinance through to investment property and commercial lending
Pre-approval and purchase finance for prestige residential properties, with realistic borrowing capacity confirmed before you bid or negotiate. Home purchase finance.
Review your existing rate, structure and lender across your full portfolio — residential and investment property. Meaningful savings can be achievable at large loan sizes. See how refinancing works.
Specialist lending for eligible medical professionals, including potential LMI waivers with selected lenders. Subject to eligibility and lender policy. Medical professional loans.
Business owners, company directors and high-net-worth families with trust or company income structures. High-net-worth lending and self-employed solutions.
Add to or refinance an investment property portfolio, with structuring that keeps your options open and considers the full picture of your borrowing. Investment property finance.
Finance for commercial premises, business acquisitions and equipment — often alongside a residential file. Commercial property and equipment finance.
At the price points common in Toorak and surrounds, lenders assess large-loan files differently — valuations, servicing calculations and credit appetite all vary more than they do for a standard mortgage. Some lenders cap their maximum loan size well below what premium Toorak properties can require, while others — including select non-bank and private lenders — actively seek these files. A broker with access to 60+ lenders can match your property and income profile to the lender whose policy fits, rather than bending your plans to suit a single bank's appetite.
Yes. Trust distributions, private company dividends and director drawings are all assessable income with the right lender, but each lender treats them differently. Some require two years of trust tax returns and consistent distributions; others take a more commercial view of the same structure. We regularly work through these arrangements with Toorak and Armadale clients and know which lenders are best positioned to handle them without unnecessary friction. See more on self-employed and complex income lending.
Eligible medical professionals may be able to borrow with selected lenders without paying lenders mortgage insurance, in some cases up to 90% LVR. Eligibility and terms vary by lender and by the applicant's professional registration and income profile, so we confirm what applies to your specific situation before making any recommendation. See our medical professionals page for more detail.
Yes. Large facility refinancing is one of the most common scenarios we work through with established Toorak and inner-east households. At significant loan sizes, rate and structure improvements can have a meaningful impact on cash flow and net worth, and multi-lender access matters far more than it does at smaller amounts. We assess the full picture — fixed-rate break costs, offset structures and investment property splits — before recommending a refinance. Learn more about refinancing.
A private bank can offer an attentive relationship experience, but only within its own product set. As an independent broker, we can provide the same level of direct personal service — you deal with Santino, not a call centre — while comparing 60+ lenders to find the policy and pricing that actually fits your income structure and loan size. Private-bank-calibre service, without being confined to a single balance sheet.
No. The lender pays the broker a commission on settlement, so our service is free to you. Under Best Interests Duty we are legally required to act in your best interests, not any particular lender's.
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