Mortgage broker in Canterbury

Buying or refinancing in Canterbury

Canterbury is small, expensive and quiet: Victorian and Federation homes around Maling Road, the Golden Mile along Mont Albert Road, and almost no apartments. Turnover is low and most purchases are long-term family homes.

Clients are established families upgrading within Boroondara, often with equity from a previous home and a bridging question. High-value homes can run into lender postcode and loan-size limits and need two valuations. We know which lenders lend comfortably at Canterbury prices and how to time a bridging loan around an auction.

Transport and access: Canterbury station on the Belgrave and Lilydale lines, Maling Road village.

How we work with Canterbury clients

Canterbury is 7 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 Canterbury clients have been with us through two or three loans.

What Canterbury 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.