Mortgage broker in Greensborough

Buying or refinancing in Greensborough

Greensborough is Greensborough Plaza and the Main Street shops, the Plenty River and the Watsonia and Greensborough stations, with 1960s and 70s homes on sloping, treed blocks and newer townhouses near the centre. It is the gateway to Eltham and the north-east.

Families upgrading from Bundoora units, first home buyers in townhouses and owners refinancing are our Greensborough clients. Sloping blocks and older homes mean valuations can surprise, so we plan the loan around a cautious valuation and keep some deposit in reserve.

Transport and access: Greensborough and Watsonia stations on the Hurstbridge line, Greensborough Highway and Grimshaw Street buses, the Western Ring Road at Greensborough Highway.

How we work with Greensborough clients

Greensborough is about 17 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 Greensborough clients have been with us through two or three loans.

What Greensborough 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.