Mortgage broker in Carlton North

Buying or refinancing in Carlton North

Carlton North is Rathdowne Village and Princes Park: long streets of Victorian terraces between Lygon Street and Nicholson Street, Princes Hill Secondary, Lee Street Primary and a steady run of families who moved from Carlton apartments and stayed.

Couples upgrading into a terrace and families refinancing after a renovation are most of our Carlton North clients. Terrace prices here mean large loans and two professional incomes, often with bonuses or self-employment, which is where lender policy matters more than the headline rate.

Transport and access: the route 1 and 6 trams on Lygon Street and the route 96 on Nicholson Street, Royal Parade buses, CityLink via Princes Park.

How we work with Carlton North clients

Carlton North is about 17 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 Carlton North clients have been with us through two or three loans.

What Carlton North 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.