Mortgage broker in Berwick

Buying or refinancing in Berwick

Berwick is the old village on High Street and the estates around it: Berwick Springs, Timbarra and the Clyde Road corridor, St Margaret's and Berwick Grammar, Casey Hospital and the Monash Berwick campus. It is the most established part of Casey and still growing.

Berwick clients are first home buyers in the new estates, families upgrading to the older streets near the village, and buyers building on a new block. House-and-land is a construction loan with a land settlement first and progress payments after, and the $10,000 First Home Owner Grant applies to a new home under $750,000.

Transport and access: Berwick and Beaconsfield stations on the Pakenham line, Clyde Road and Princes Highway buses, the Monash Freeway and the Princes Freeway.

How we work with Berwick clients

Berwick is about 32 km from our Blackburn office, so most of the work happens on video and by phone, with a home visit by arrangement when it helps. The first conversation takes thirty minutes and 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 valuation, approval and settlement. Distance has never been the problem; lenders are national and so are we.

What Berwick 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.