Mortgage broker in Footscray

Buying or refinancing in Footscray

Footscray is the west's inner city: the market, Barkly Street and Hopkins Street, Victoria University, the river at Footscray Park, worker's cottages and warehouses, and apartment towers around the station. It changes block by block.

First home buyers in apartments and cottages, investors in the new buildings and couples renovating a period home are our Footscray mix. Apartments here range from small studios to large new builds, and lenders treat them differently; we check the lender's rules on the building before you bid.

Transport and access: Footscray station on the Werribee, Williamstown, Sunbury and regional lines, the route 82 tram, the West Gate Freeway at Williamstown Road.

How we work with Footscray clients

Footscray is about 24 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 Footscray clients have been with us through two or three loans.

What Footscray 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.