Mortgage broker in Hawthorn

Buying or refinancing in Hawthorn

Hawthorn mixes Glenferrie Road's shops and Swinburne, period homes on wide streets, and a large stock of apartments from 1960s walk-ups to new builds. It attracts young professionals, students and long-term families in equal measure.

First home buyers purchasing apartments, investors near Swinburne and Glenferrie, and owners refinancing period homes after a renovation are the regular clients. Older Hawthorn apartments, the 1960s and 70s walk-ups, are great value but some lenders restrict small floor areas or buildings with company-title arrangements. We check the building before you make an offer.

Transport and access: Hawthorn and Glenferrie stations, trams 16, 70, 75 and 109, Swinburne University.

How we work with Hawthorn clients

Hawthorn is 12 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 Hawthorn clients have been with us through two or three loans.

What Hawthorn 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.