Mortgage broker in Bayswater

Buying or refinancing in Bayswater

Bayswater is the Mountain Highway shops around the station, the Bayswater industrial area to the south, and streets of 1960s and 70s homes on big blocks that are now Knox's best townhouse territory. The Dandenongs are a few minutes east.

First home buyers, tradespeople with businesses in the industrial area and investors in new townhouses are our Bayswater mix. Self-employed income is the common thread: a lender that reads business financials well, or offers an alternative-documentation loan, makes the difference between an approval and a decline.

Transport and access: Bayswater station on the Belgrave line, Mountain Highway and Dorset Road buses, EastLink at Canterbury Road.

How we work with Bayswater clients

Bayswater is about 11 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 Bayswater clients have been with us through two or three loans.

What Bayswater 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.