Mortgage broker in Chadstone

Buying or refinancing in Chadstone

Chadstone is the shopping centre and the suburb around it: 1950s and 60s brick homes on good blocks, newer townhouses near the centre, Holmesglen TAFE and the Chadstone Road shops. It sits between Malvern East prices and Oakleigh prices.

Families upgrading from Oakleigh and Carnegie units, first home buyers in townhouses and investors in new apartments near the centre make up most of our Chadstone work. Retail and hospitality staff at the centre often have casual or variable income, and that is where choosing the lender makes more difference than negotiating the rate.

Transport and access: Chadstone bus interchange with routes to Oakleigh, Caulfield and Glen Waverley, Warrigal Road and Dandenong Road, the Monash Freeway at Warrigal Road.

How we work with Chadstone clients

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

What Chadstone 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.