Mortgage broker in Flemington

Buying or refinancing in Flemington

Flemington is the racecourse and Racecourse Road, Victorian terraces and cottages on the hill, the public housing estate and a growing set of apartments near Flemington Bridge. It is five kilometres from the city and still priced like the inner west.

First home buyers in terraces and apartments and investors near the racecourse are the Flemington mix. A cottage on a small title still sits under the First Home Guarantee cap here, which is rare this close to the city.

Transport and access: Flemington Bridge and Newmarket stations, the route 57 tram on Racecourse Road, CityLink at Flemington Road.

How we work with Flemington clients

Flemington is about 21 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 Flemington clients have been with us through two or three loans.

What Flemington 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.