Mortgage broker in Camberwell

Buying or refinancing in Camberwell

Camberwell Junction, the Sunday market, period homes on wide streets and some of Melbourne's best-known schools make Camberwell a long-term family suburb with very little turnover. Apartments cluster around the Junction and the station.

Upgraders buying their forever home, professionals with complex income, and downsizers buying a Junction apartment with cash from a family home sale. Camberwell purchases are often made by buyers who do not need the biggest loan but want the sharpest rate and a clean structure, with an offset account doing real work. We compare on comparison rate, not headline rate.

Transport and access: Camberwell station on the Belgrave, Lilydale and Alamein lines, trams 70, 72 and 75, Camberwell Junction.

How we work with Camberwell clients

Camberwell is 9 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 Camberwell clients have been with us through two or three loans.

What Camberwell 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.