Kooyong Property Market Update: What Buyers and Borrowers Should Know in 2026

Kooyong is one of Melbourne’s smallest and most exclusive inner-east suburbs, bordered by Malvern, Hawthorn and Toorak. With grand period homes, elite school access and immediate proximity to the CBD, Kooyong attracts ultra-high-net-worth families and long-term owner-occupiers seeking privacy, stability and blue-chip capital preservation. In 2026, buyers and refinancers navigating the Kooyong property market face extreme scarcity, premium pricing and lender assessments that demand a highly strategic mortgage approach.

Understanding how the Kooyong property market is performing — and how mortgage policy applies to ultra-high-value homes — is essential when buying or refinancing in this tightly held prestige suburb.

Kooyong property market insights and mortgage considerations for buyers in Melbourne’s inner-east.

Current Property Market Conditions in Kooyong

The Kooyong property market is defined by exceptional scarcity and long-term ownership. Large freestanding homes dominate the suburb, often held within families for decades. New development is virtually non-existent, resulting in infrequent listings and highly competitive sales when properties do come to market.

Buyer demand remains strongest for renovated homes on larger landholdings, properties close to Kooyong Station and residences within elite school catchments. Despite broader market moderation, Kooyong continues to perform as one of Melbourne’s most resilient prestige markets due to limited supply and enduring lifestyle appeal.

How the Kooyong Market Is Affecting Buyers in 2026

Buyers in Kooyong face a market where suitable opportunities are rare and preparation is critical. Many transactions occur off-market or via tightly managed campaigns, requiring buyers to be financially prepared well in advance.

Pre-Approval in a Prestige Inner-East Market

Pre-approval is essential for buyers targeting Kooyong. With property values significantly above Melbourne averages, understanding borrowing capacity early provides credibility in negotiations and clarity around lender expectations. It also enables buyers to act decisively when off-market opportunities arise.

Lending Considerations for Kooyong Properties

Lenders assess Kooyong properties carefully due to high loan sizes, property uniqueness and valuation sensitivity. Factors such as land size, heritage considerations, renovation quality and comparable sales evidence can materially affect borrowing capacity and approval outcomes. Selecting the right lender is critical in ultra-premium markets.

Why Mortgage Broking Matters in Kooyong

Kooyong is a suburb where lender policy differences can materially impact outcomes. Some lenders apply conservative exposure limits or stricter servicing criteria for high-value homes, while others assess risk more flexibly depending on borrower profile, asset base and income structure.

Mortgage broking helps buyers align their financial position with lenders whose policies suit complex, high-value transactions. This strategic approach helps manage valuation risk, optimise borrowing capacity and improve approval certainty in a low-turnover prestige market.

How Brampton Finance Supports Buyers in Kooyong

Brampton Finance works with buyers, investors and refinancers purchasing property in Kooyong and across Melbourne’s most exclusive inner-east suburbs. By accessing a broad panel of lenders, Brampton Finance assists clients with structuring mortgage solutions tailored to ultra-high-value residential properties and sophisticated financial circumstances.

Support is provided from initial strategy and pre-approval through to settlement, with a focus on discretion, clarity and long-term suitability rather than short-term rate decisions.

Thinking of Buying or Refinancing in Kooyong?

If you’re planning to buy or refinance property in Kooyong, speaking with a mortgage broker early can help clarify borrowing capacity, lender requirements and financing options before making key commitments.

To discuss your situation or request a callback, visit our Contact page and speak with a mortgage specialist.

For more information on high-value home loan solutions, explore our Mortgage Broking services and see how Brampton Finance supports buyers across Melbourne and Australia.