Mortgage broker in Coburg

Buying or refinancing in Coburg

Coburg is Sydney Road's northern strip, the Pentridge precinct now full of apartments and townhouses, Lake Reserve and the Merri Creek, and streets of inter-war and post-war homes on good blocks. It has taken over from Brunswick as the north's first-home suburb.

First home buyers in Pentridge apartments and townhouses, families buying a house with a backyard and investors in the newer buildings make up our Coburg work. First-timers here mostly combine the Victorian duty concession with the First Home Guarantee, which cuts the cash needed by tens of thousands.

Transport and access: Coburg and Moreland stations on the Upfield line, the route 19 tram on Sydney Road, Bell Street buses, the Tullamarine Freeway at Bell Street.

How we work with Coburg clients

Coburg is about 20 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 Coburg clients have been with us through two or three loans.

What Coburg 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.