Mortgage broker in Frankston

Buying or refinancing in Frankston

Frankston is the gateway to the Peninsula: the foreshore and pier, Bayside shopping centre and the Nepean Highway strip, Frankston Hospital and Monash's Peninsula campus, and suburbs that range from beachside Frankston South to the estates of Karingal and Carrum Downs.

First home buyers are the biggest group of Frankston clients. Houses here still sit well under the First Home Guarantee cap of $950,000 and many under the $750,000 Victorian duty threshold, so a 5% deposit with no lenders mortgage insurance and a stamp duty concession is a realistic combination. Investors and hospital staff make up the rest.

Transport and access: Frankston station at the end of the Frankston line and the start of the Stony Point line, Peninsula Link and EastLink, Nepean Highway.

How we work with Frankston clients

Frankston is about 37 km from our Blackburn office, so most of the work happens on video and by phone, with a home visit by arrangement when it helps. The first conversation takes thirty minutes and 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 valuation, approval and settlement. Distance has never been the problem; lenders are national and so are we.

What Frankston 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.