Mortgage broker in Albert Park

Buying or refinancing in Albert Park

Albert Park is the lake and the beach: Victorian terraces on Bridport and Victoria Avenue, the Dundas Place village, Middle Park's quieter streets next door and the Grand Prix circuit around the lake. It is one of the most tightly held suburbs in Melbourne.

Upgrading families, downsizers moving from larger homes and couples refinancing after a renovation are our Albert Park clients. Large loans on heritage terraces need a lender whose postcode and loan-size limits fit, and a refinance on a loan over a million dollars is where a quarter of a per cent is real money.

Transport and access: the route 1 and 12 trams, Albert Park and Middle Park light rail stops on the route 96, Kings Way and the West Gate Freeway.

How we work with Albert Park clients

Albert Park is about 19 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 Albert Park clients have been with us through two or three loans.

What Albert Park 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.