Mortgage broker in East Melbourne

Buying or refinancing in East Melbourne

East Melbourne is the Fitzroy Gardens, the MCG and the Victorian terraces of Powlett and George Streets, with apartments along Wellington Parade and Clarendon Street and the Epworth and Freemasons hospitals. It is small, grand and walking distance to everything.

Downsizers moving from the eastern suburbs, professional couples buying a terrace and medical specialists near the hospitals are our East Melbourne clients. Large loans on terraces and apartments need a lender whose postcode and loan-size limits fit, so the comparison is on policy first.

Transport and access: Jolimont and Parliament stations, the route 48, 75 and 109 trams on Wellington Parade and Bridge Road, the Eastern Freeway at Hoddle Street.

How we work with East Melbourne clients

East Melbourne is about 15 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 East Melbourne clients have been with us through two or three loans.

What East Melbourne 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.