Mortgage broker in Ferntree Gully

Buying or refinancing in Ferntree Gully

Ferntree Gully sits at the foot of the Dandenongs, with established family homes on large blocks, the 1000 Steps and Westfield Knox a short drive away. Prices are well below the inner east for similar land.

Families buying more space, tradespeople and small-business owners with self-employed income, and first home buyers are the regular clients. Self-employed clients in Ferntree Gully, especially trades, often have strong cash flow and complicated tax returns. We use lenders that accept one year of financials or BAS-based income where that gives a better result.

Transport and access: Ferntree Gully and Upper Ferntree Gully stations on the Belgrave line, Burwood Highway.

How we work with Ferntree Gully clients

Ferntree Gully is 12 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 Ferntree Gully clients have been with us through two or three loans.

What Ferntree Gully 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.