Mortgage broker in Eltham

Buying or refinancing in Eltham

Eltham is Montsalvat, mudbrick and gum trees: a town centre around Main Road and the station, bush blocks north and east, and newer estates toward Research. Families who want space without leaving the train line keep it in demand.

Eltham clients are upgrading families and first home buyers who have priced out of Banyule. The surprise is usually the property: large blocks, sloping sites and non-standard construction mean the valuation drives the loan more than the price does. We check the lender's policy on the block before you sign anything, and the First Home Guarantee cap of $950,000 still covers most Eltham houses.

Transport and access: Eltham station on the Hurstbridge line, Main Road and Fitzsimons Lane to Templestowe and the Eastern Freeway, buses to Greensborough and Doncaster.

How we work with Eltham clients

Eltham is about 13 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 Eltham clients have been with us through two or three loans.

What Eltham 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.