Victoria
A Melbourne-based mortgage broker that works Geelong, the Bellarine and the Surf Coast by video and in person. Same team, same AFG lender panel, and the Victorian schemes applied the way they apply in Geelong.
About 90 km from Blackburn, home visits or video
Three things worth knowing before you borrow in Geelong.
3220
Postcode
$950,000
First Home Guarantee price cap, Melbourne and Geelong
Video
Appointments by video, phone or in person
Geelong is Victoria's second city and shares Melbourne's First Home Guarantee cap of $950,000. The waterfront, Newtown and the Bellarine attract lifestyle buyers, while Armstrong Creek and Lara bring new estates and first home buyers.
Melburnians relocating or buying a Bellarine holiday home, first home buyers in new estates, and investors in units near Deakin Waterfront. Geelong buyers get Melbourne's First Home Guarantee cap with lower prices, which makes a 5% deposit go a long way. We also handle the holiday-home and surf-coast purchases where lenders apply rural or coastal policy.
The west is where Cinch Loans began, and we still have a strong base of Geelong clients. Appointments are at your home or on video; the office in Blackburn is there if you want it. The process is the same: a thirty-minute first conversation, a written plan with the real numbers, documents through a secure portal, and a team that chases every step to settlement.
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.
Where you are, what you have saved, what you want to buy or refinance. You leave with a borrowing figure, the schemes you qualify for, and a plan in writing. No credit check, no obligation.
Talk to a broker from our teamCheck my borrowing powerServices: First home buyers · Home loans · Refinancing · Investment loans
No credit check · +61 458 872 992
Straight answers. If yours isn't here, ask cinchi (bottom right) or book a chat.
Do you still service Geelong?
Yes. The west is where Cinch Loans started and we still have many clients in Geelong and across Wyndham and Hobsons Bay. Appointments are at your home or on video, and the office in Blackburn is there if you want it.
How much deposit do I need to buy in Geelong?
Five per cent plus stamp duty and costs if you qualify for the First Home Guarantee, which caps at $950,000 in Melbourne. Otherwise plan on 8 to 12 per cent with lenders mortgage insurance, or 20 per cent to avoid it. Victorian first home buyers pay no stamp duty up to $600,000 and a reduced amount to $750,000.
Which lender is best in Geelong?
There is no single best lender. The right one is the lender whose policy suits your income, deposit and the property, and who prices your loan sharply after the honeymoon rate ends. We usually compare three or four in writing and recommend one.
What does a mortgage broker cost?
Nothing to you. We are paid a commission by the lender you choose, disclosed in your Credit Guide before you decide, and our recommendation does not change with it.
Same team, same process, wherever you are. All locations
Local knowledge. Lending Australia-wide. A cinch.
Geelong
VIC
3220
-38.1500
144.3610
butter
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Mortgage Broker Geelong | Cinch Loans
Mortgage broker with clients in Geelong and across VIC. First home, refinance, investment and SMSF loans across our lender panel, by video. Talk it through with a broker.
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