Mortgage broker in Collingwood

Buying or refinancing in Collingwood

Collingwood is Smith Street, Johnston Street and the warehouses between them, worker's cottages, the Collingwood estate, new apartment buildings on every block and a music and bar scene that has outlasted the rents. It is Fitzroy's rougher, busier twin.

First home buyers and investors in apartments and warehouse conversions, and couples buying a cottage, are the Collingwood mix. Converted warehouses and small-block cottages both need a lender that accepts the property, so we check the policy before auction day.

Transport and access: Collingwood station on the Mernda and Hurstbridge lines, the route 86 tram on Smith Street, Johnston Street buses, the Eastern Freeway at Hoddle Street.

How we work with Collingwood clients

Collingwood is about 14 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 Collingwood clients have been with us through two or three loans.

What Collingwood 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.