Mortgage broker in Essendon

Buying or refinancing in Essendon

Essendon is Moonee Valley's blue-chip pocket: Edwardian and Californian bungalows on wide streets around Buckley Street and Mount Alexander Road, Penleigh and Essendon Grammar, St Columba's and Lowther Hall, and apartments near the stations.

Families moving for the schools, professional couples buying a first period home and downsizers moving to apartments near the shops are our Essendon clients. School-zone buying is auction buying, so a pre-approval with a lender that will honour it on the day is the starting point.

Transport and access: Essendon and Glenbervie stations on the Craigieburn line, the route 59 tram on Mount Alexander Road, the Tullamarine Freeway at Bulla Road.

How we work with Essendon clients

Essendon is about 25 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 Essendon clients have been with us through two or three loans.

What Essendon 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.