Mortgage broker in Armadale

Buying or refinancing in Armadale

Armadale is High Street: boutiques, galleries and cafes, with Victorian terraces, period family homes and boutique apartment buildings on the surrounding streets. Loan sizes are large and buyers are usually experienced.

Downsizers buying premium apartments, professionals upgrading, and investors holding period houses make up most Armadale enquiries. Downsizers moving from a family home into an Armadale apartment often do not need a large loan but want flexibility: an offset, redraw, and no penalty for paying it out when the old home settles. We structure for that.

Transport and access: Armadale station and the High Street tram.

How we work with Armadale clients

Armadale is 15 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 Armadale clients have been with us through two or three loans.

What Armadale 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.