Mortgage broker in Fitzroy North

Buying or refinancing in Fitzroy North

Fitzroy North is Edinburgh Gardens, St Georges Road and Queens Parade: wide streets of Victorian terraces and Edwardian homes, the Fitzroy North village on Best Street and a quieter feel than Fitzroy proper. Families stay for the gardens and the schools.

Upgrading families moving from Fitzroy and Carlton apartments into a terrace, and owners renovating, are our Fitzroy North clients. A terrace renovation with heritage controls is a renovation loan where the lender's valuation on completion sets the limit.

Transport and access: Rushall station on the Mernda line, the route 11 and 96 trams, Queens Parade and St Georges Road buses.

How we work with Fitzroy North clients

Fitzroy North is about 16 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 Fitzroy North clients have been with us through two or three loans.

What Fitzroy North 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.