The Melbourne numbers that shape investment loan leads
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. The gross rental yield is 4.0%. Local investors dominate: Victoria lost 685 people to other states in the year to December 2025, and its population grew 1.7%, on the ABS population release.
Since February 2026 APRA has capped loans at six or more times income to 20% of new investor lending. The RBA's investor data found around one in five investors already above that ratio in 2021. In Melbourne, with an average owner occupier loan of $664,000 on the ABS lending indicators, the ratio decides more investor enquiries than intent does.
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.
- First investment, adding to a portfolio, or refinancing an investment loan
- Existing debts, including the home loan, so the ratio can be estimated before the call
- Income type and whether the enquirer is self employed
- Target suburbs in Melbourne or elsewhere, and whether the property is chosen
- Structure in their own words: personal name, trust or super fund
- 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 whose panel has little investor appetite. A softer Melbourne market still produces investor enquiries that fail the ratio, and the screen removes them before delivery, but the ones that clear need a panel that will write them.
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.