The Melbourne numbers that shape cash out refinance leads
Values fell 4.7% over the year, so equity is thinner than owners who bought recently believe. Melbourne's median dwelling value was $786,718 in August 2026, down 4.7% over the year and 1.1% lower in the month, on Cotality's index. Refinancing is already how most of that equity moves: the ABS counted 103,046 loans refinanced to a new lender in the June quarter of 2026.
Victoria wrote 23,539 new owner occupier loans in the June quarter of 2026 at an average of $664,000, on the ABS lending indicators. A cash out enquiry in Melbourne is sized against mid-sized loans, and the finance screen tests serviceability on the larger loan, not the current one.
What a Melbourne record carries
Beyond the fields every record carries, a Melbourne campaign for this lead type captures the details that decide the first call.
- Current lender, balance and a rough property value
- Amount they want to release and what it is for
- Deposit on another property, renovation, business, or something else
- Employment type and other debts
- Suburb or region of Melbourne
- Timing, time stamp and consent record
What is checked in Melbourne
Before a Melbourne record reaches your CRM it has passed three checks. The mobile was verified by SMS, the record was matched against everything already sent to you, and the enquiry was screened on finance with up to 98 data points. Of high income property enquirers we measured, 51.8% fail on finance. Fewer than 5% of leads that clear the screen do. The screen is not an approval.
Who this is not for
Brokers expecting large releases. With Melbourne values down 4.7% over the year, many enquirers overestimate their equity, and the screen and the valuation bring the number down.
Pricing
The price is a fixed cost per verified lead, agreed before anything runs. There is no retainer and no lock in. Records are exclusive to you and arrive live in your CRM. A lead that turns out to be wrong is reviewed within five business days and replaced or credited when confirmed.