Mortgage broker in Hampton

Buying or refinancing in Hampton

Hampton is Hampton Street's cafes and the beach at the end of it: Edwardian and Californian bungalows on the streets between the station and the bay, newer townhouses toward Hampton East, and families drawn by the beach, the schools and the Sandringham line.

Hampton clients are families upgrading from Bentleigh or Hampton East, couples refinancing after renovating a bungalow, and a few downsizers moving to apartments near the shops. Lenders view Hampton as blue-chip, which helps on valuation, but large loans still need the right policy.

Transport and access: Hampton station on the Sandringham line, Hampton Street and Bluff Road buses, Beach Road and Nepean Highway.

How we work with Hampton clients

Hampton 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 Hampton clients have been with us through two or three loans.

What Hampton 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.