Mortgage broker in Boronia

Buying or refinancing in Boronia

Boronia sits at the foot of the Dandenongs: Boronia Junction and Boronia Mall around the station, 1960s and 70s homes on big blocks, newer townhouses near the centre and bush-fringe streets toward The Basin. It is one of the last suburbs in the east where a house is still under the median.

First home buyers are most of our Boronia clients, many of them using the 5% Deposit Scheme and the Victorian stamp duty concession together, which on a house under $750,000 cuts the cash needed by tens of thousands. Upgrading families and investors in townhouses follow behind.

Transport and access: Boronia station on the Belgrave line, Boronia Road and Dorset Road buses, EastLink at Boronia Road.

How we work with Boronia clients

Boronia is about 13 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 Boronia clients have been with us through two or three loans.

What Boronia 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.