Mortgage broker in Balwyn

Buying or refinancing in Balwyn

Balwyn and Balwyn North are prestige family suburbs: large blocks, architect-designed rebuilds beside original interwar homes, and the Balwyn High School zone pulling demand. Loan sizes are among the largest in the east.

Clients are usually established families and professionals borrowing seven figures, often with a sale to coordinate or a second property in the mix. Large loans attract sharper pricing but tighter policy. We negotiate rate discounts above the advertised tiers and structure the loan so a future investment purchase or a renovation does not mean starting again.

Transport and access: Tram 109 along Whitehorse Road and buses to Box Hill and the city.

How we work with Balwyn clients

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

What Balwyn 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.