Mortgage broker in Bentleigh

Buying or refinancing in Bentleigh

Bentleigh is Centre Road: a long strip of shops and cafes around the station, with 1920s Californian bungalows and post-war brick homes on either side and townhouses filling the bigger blocks. McKinnon Secondary's zone pushes prices on the north side.

Families buying into the McKinnon zone and young couples upgrading from Carnegie units make up most of our Bentleigh work, with a steady flow of owners refinancing after a renovation. School-zone buying tends to be auction buying, so pre-approval with a lender that will stand by it on auction day is the first step.

Transport and access: Bentleigh and McKinnon stations on the Frankston line, Centre Road and Jasper Road buses, Nepean Highway and the Nepean Highway shops at the western edge.

How we work with Bentleigh clients

Bentleigh is about 16 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 Bentleigh clients have been with us through two or three loans.

What Bentleigh 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.