Mortgage broker in Altona Meadows

Buying or refinancing in Altona Meadows

Altona Meadows is the established side of the Point Cook corridor: 1980s and 90s brick homes on bigger blocks than the newer estates, Central Square shopping centre, Cheetham Wetlands at the end of the street and the Werribee line at Laverton.

First home buyers priced out of Altona, upgraders from Point Cook townhouses and investors in older houses are the Altona Meadows mix. Most houses here sit under the First Home Guarantee cap and many under the Victorian duty threshold, so first-timers can combine both and keep the deposit small.

Transport and access: Laverton and Aircraft stations on the Werribee line, Central Avenue and Point Cook Road buses, the Princes Freeway.

How we work with Altona Meadows clients

Altona Meadows is about 32 km from our Blackburn office, so most of the work happens on video and by phone, with a home visit by arrangement when it helps. The first conversation takes thirty minutes and 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 valuation, approval and settlement. Distance has never been the problem; lenders are national and so are we.

What Altona Meadows 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.