The market the campaign sells into
Victoria wrote 23,539 new owner occupier loans in the June quarter of 2026, more than any other state, at an average of $664,000, on the ABS lending indicators. Melbourne's median dwelling value was $786,718 in August, down 4.7% over the year, on Cotality's index, and the state's population grew 1.7% in the year to December 2025, on the ABS population release.
A large, growing population buying into a market that has fallen for a year: the enquiries are purchase enquiries, and there are a lot of them.
Which angles work in Melbourne
The angles that hold up in a purchase market with smaller loans.
- First home buyer angles under the $950,000 Melbourne cap on the government's table, which covers most of the city at the current median
- Rent-vesting angles, with 54% of Victorian first home buyers considering it in Westpac's survey
- Upgrader angles for households buying the dip
- Refinance angles as a steady second line rather than the lead
- Not: cash out angles, which do poorly while values are still falling
Sizing a Melbourne campaign
Because Victoria produces the most enquiries of any state, a Melbourne campaign can exceed a broker's callback capacity within a week. Start on a low volume, judge the contact rate, and scale in steps once the leads at each level hold up. A broker with one person on the phone should cap the daily flow in the criteria rather than let the campaign run open.
The callback in Melbourne
First home buyers need more explaining than refinancers, so the first call is longer. Delivery is live into your CRM; the rota is yours. A lead called back in ten minutes is a conversation about their deposit. The same lead called that evening has usually started a conversation with a bank.
The weekly loop
Each week spend moves toward the angles whose leads answered and booked, and your feedback on which buyers proceeded to pre-approval goes back into the targeting. Melbourne's mix shifts with the scheme rules and the market, so the loop is what keeps the campaign pointed at buyers who can complete.
Who this is not for
A broker who wants only large refinance loans. Melbourne's average loan is $664,000 and the mix is purchase heavy. Set a loan floor in the criteria if that is what your book needs, and expect a smaller flow.
Pricing
A fixed cost per verified lead agreed before the campaign runs, no retainer, no lock in. Every record is exclusive to you. Invalid leads are reviewed within five business days and replaced or credited when confirmed.