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Home Loans in Cheltenham 3192. How Pennant Loans Supports Local Borrowers
Choosing the right mortgage can feel overwhelming, especially in a dynamic market like Cheltenham 3192. At Pennant Loans, we provide clear, personalised lending guidance to help you secure a home loan, compare mortgage rates, understand lending options and navigate the entire home loan application process with confidence.
Whether you’re buying your first home, refinancing to improve your rate, or investing in a Cheltenham property, our local focus means we understand the suburb’s housing trends, lifestyle appeal and borrower needs.
We assist with:
- Home loan comparisons matched to your situation, including fixed, variable, split, low‑deposit and investment loans.
- Refinancing options to help improve your loan performance or adjust repayments according to life changes.
- Loan structure guidance for upgraders, first‑home buyers and investors.
- Support from start to settlement, ensuring a smooth lending experience.

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Cheltenham 3192. Suburb Profile
Cheltenham is a thriving pocket of Melbourne’s bayside region, well known for its lifestyle appeal, easy transport access, strong retail precincts and growing population. It offers a mix of mid‑century homes, modern townhouses and contemporary apartments, attracting families, professionals and long‑term owner‑occupiers. [domain.com.au]
Median House Price Overview (Available Trend Data)
While specific year‑by‑year values are not provided in the latest public datasets, the following reflects the current and trend‑based median figures for houses in Cheltenham:
| Indicator | Value | Source |
|---|---|---|
| Current Median House Price (2024–2025) | $1,280,000 | [realestate.com.au] |
| Past 12‑Month Growth | Up 5.1% | [realestate.com.au] |
| 5‑Year Median Price Trend | Growth indicated (exact numerical values not published) | [realestate.com.au] |
| Median Unit Price (2024–2025) | $720,000 | [realestate.com.au] |
Although precise five‑year historical figures are not released publicly, all major data providers (CoreLogic, realestate.com.au, property.com.au) confirm consistent capital growth for houses over this period. [realestate.com.au], [yourinvest…mag.com.au], [property.com.au]
Benefits of Living in Cheltenham 3192
1. Strong Community & Growing Population
Cheltenham’s population reached 23,992 people with a balanced demographic mix and an average age around 40 years. Households average 2.4 people, with a high proportion of families and long‑term owner‑occupiers. [property.com.au]
2. Excellent Retail, Transport & Amenities
The suburb is home to Westfield Southland, two train stations on the Frankston line and easy access to the bay. Its gentrification continues to attract cafés, services and recreational facilities. [domain.com.au]
3. Stable Property Market & Strong Demand
Cheltenham maintains competitive days‑on‑market, consistent buyer interest and reliable rental yields—appealing to both owner‑occupiers and investors. [property.com.au]
4. Education, Parks & Lifestyle
With multiple primary schools, Cheltenham Secondary College, extensive parks and nearby golf courses, the suburb suits families seeking lifestyle and convenience. [domain.com.au]

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Ready to get Started?
Welcome to Pennant Loans, your trusted partner in navigating the mortgage landscape. Servicing Cheltenham, Victoria, we help you secure a professional outcome for your home and finance loan needs. Contact us today and we can get you started on your home loan or finance journey.












