Mortgage broker in Brighton

Buying or refinancing in Brighton

Brighton is the bathing boxes, Church Street and Bay Street, and some of the biggest houses in Melbourne along the Esplanade and the Golden Mile. Behind them are Edwardian and inter-war homes on wide streets, period apartments and new luxury units near the stations. Brighton Grammar and Firbank hold families here.

Brighton lending is upgrade lending: a family selling a house in Bentleigh or Hampton to buy here, often with a bridging period, and owners refinancing large loans that have drifted. Large loans need a lender whose postcode and loan-size limits actually fit, and the refinance comparison on a loan over a million dollars is where a quarter of a per cent is real money.

Transport and access: Brighton Beach, Middle Brighton and North Brighton stations on the Sandringham line, Nepean Highway, Bay Street and Church Street buses.

How we work with Brighton clients

Brighton is about 20 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 Brighton clients have been with us through two or three loans.

What Brighton 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.