Mortgage broker in Doncaster

Buying or refinancing in Doncaster

Doncaster is two markets. Around Westfield and Doncaster Hill, Manningham's planned activity centre, there's a ring of apartments; the rest is established family streets. Units outsold houses 80 to 45 in the March quarter 2026, and the 2025 medians were $620,000 for units and $1,559,000 for houses (Valuer-General Victoria).

We work with investors buying apartments near Westfield, families upgrading within Manningham, and clients restructuring a portfolio of two or three properties. Investment structuring is the Doncaster conversation: interest-only versus principal and interest, keeping investment and home loans separate for deductibility, and how negative gearing changes from 1 July 2027 affect a new purchase.

Doncaster has no train line. The Eastern Busway, with dedicated express bus lanes from Doncaster Road to Hoddle Street, is due to open in 2028.

Transport and access: Doncaster Park and Ride, the Eastern Freeway and Doncaster Road. The nearest station is Box Hill.

How we work with Doncaster clients

Doncaster is about 6 km from the office, around 11 minutes by car, 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 Doncaster clients have been with us through two or three loans.

What Doncaster 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.

Buying off the plan? A contract signed before 21 April 2027 for an apartment, unit or townhouse in a strata subdivision with common property may qualify for a temporary stamp duty concession. It has no value cap and investors can use it too.

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.