Mortgage broker in Box Hill

Buying or refinancing in Box Hill

Box Hill has become Melbourne's second CBD: high-rise apartments around the station and Box Hill Central, a major hospital precinct, Box Hill Institute and Deakin a tram ride away. Streets south of Canterbury Road still hold period homes on generous land.

We see a lot of off-the-plan and recently completed apartments here, investors buying near the hospital and campus, and families trading an apartment for a house in Box Hill South or Blackburn. Apartment lending in Box Hill is where lender policy matters most: minimum floor areas, caps on exposure to a single building, and how a valuer treats a high-density postcode. We know which lenders are comfortable with Box Hill towers and which are not.

Transport and access: Box Hill station and bus interchange, trams 109 along Whitehorse Road, and the Eastern Freeway via Elgar Road.

How we work with Box Hill clients

Box Hill is 3 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 Box Hill clients have been with us through two or three loans.

What Box Hill 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.