Mortgage broker in Ashburton

Buying or refinancing in Ashburton

Ashburton is the High Street village: a strip of butchers, bakers and cafes along High Street, 1920s and 30s brick homes on either side, and newer townhouses toward Warrigal Road. It is one of the few Boroondara suburbs where a house still comes with a Boroondara postcode and a slightly gentler price.

First home buyers stretching into Boroondara, young families moving from inner-city apartments and investors in High Street units are the Ashburton mix. First-timers here are often above the Victorian stamp duty concession but under the First Home Guarantee cap of $950,000, so a 5% deposit without lenders mortgage insurance is still possible on the right property.

Transport and access: Ashburton station on the Alamein line, High Street and Warrigal Road buses, the Monash Freeway at Warrigal Road.

How we work with Ashburton clients

Ashburton is about 8 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 Ashburton clients have been with us through two or three loans.

What Ashburton 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.