Mortgage broker in Abbotsford

Buying or refinancing in Abbotsford

Abbotsford is the Convent, the river and Victoria Street's Vietnamese strip, worker's cottages and terraces between Hoddle Street and the Yarra, and converted factories and new apartments along Johnston and Victoria Streets. It is the closest suburb to the office that still counts as inner city.

First home buyers in apartments and cottages, investors in the new buildings and couples renovating a terrace make up our Abbotsford work. A cottage renovation is a renovation loan drawn in stages, and heritage overlays are common, so the lender needs to be comfortable with the plans.

Transport and access: Victoria Park and Collingwood stations, the route 12 and 109 trams on Victoria Street, the Eastern Freeway at Hoddle Street.

How we work with Abbotsford clients

Abbotsford is about 13 km from the office, so the first chat can be at Maple Street, at your home, or on video, whichever suits. Thirty minutes is enough. You leave with a borrowing figure, the schemes you qualify for and a written plan. Documents go through a secure portal, we lodge with the lender you choose, and the team chases every step to settlement. Many Abbotsford clients have been with us through two or three loans.

What Abbotsford clients come to us for

• First home buyer loans
• Home loans and upgrades
• Refinancing and rate reviews
• Investment loans
• Construction and renovation loans
• SMSF loans

What Victorian buyers should know in 2026

First home buyers in Victoria pay no stamp duty on a home valued at $600,000 or less, and a reduced amount on a sliding scale up to $750,000. The $10,000 First Home Owner Grant applies to a new home valued at $750,000 or less. The federal First Home Guarantee lets eligible buyers purchase with a 5% deposit and no lenders mortgage insurance, with a price cap of $950,000 in Melbourne and Geelong and $650,000 in the rest of the state.

Everyone else pays the general rate: $2,870 plus 6% of the price above $130,000 up to $960,000, then a flat 5.5% to $2 million. On a $900,000 home that is $49,070, paid at settlement and not funded by the lender. Our stamp duty calculator runs the current bands and concessions.

None of this is personal credit advice. Your situation is assessed before any recommendation, the lender is chosen on the written comparison, and the commission we are paid by the lender is disclosed in your Credit Guide before you decide anything.