Mortgage broker in Brighton East

Buying or refinancing in Brighton East

Brighton East is Brighton's family side: post-war brick homes on big blocks around Dendy Park and Hampton Street, a lot of them rebuilt as large new houses, with the Hampton Street and Were Street shops and quick access to the Nepean Highway.

Families upgrading from Bentleigh and Caulfield, and owners rebuilding, are the Brighton East clients we see most. A knockdown-rebuild here is a big construction loan, and the valuation on completion has to support it, so we get the lender's view of the plans before the builder's contract is signed.

Transport and access: North Brighton and Middle Brighton stations a short drive west, Hampton Street and South Road buses, Nepean Highway.

How we work with Brighton East clients

Brighton East is about 18 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 East clients have been with us through two or three loans.

What Brighton East 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.