Mortgage broker in Black Rock

Buying or refinancing in Black Rock

Black Rock is Half Moon Bay and the Cerberus, the Bluff Road and Balcombe Road shops, and a quiet grid of inter-war and mid-century homes between the beach and Beaumaris. It is smaller and calmer than Sandringham and most people buy to stay.

Black Rock clients are mostly upgrading families and established owners refinancing or drawing equity for a renovation or a holiday house. Equity release for a second property is a structuring question before it is a rate question: keeping the two loans separate makes the interest on the investment side clean for tax.

Transport and access: Sandringham station a short drive north, Bluff Road and Beach Road buses, Beach Road along the bay.

How we work with Black Rock clients

Black Rock is about 24 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 Black Rock clients have been with us through two or three loans.

What Black Rock 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.