Mortgage broker in Heidelberg

Buying or refinancing in Heidelberg

Heidelberg is the Austin and Mercy hospital precinct, Burgundy Street's cafes, and a mix of period homes on the hill, 1960s units and newer apartments near the hospitals. Warringal Park and the Yarra sit at the bottom of the suburb.

Doctors, nurses and allied health staff at the hospitals are a big share of our Heidelberg clients, and medical professionals get access to lender policies the rest of the market does not: higher borrowing without lenders mortgage insurance and more flexible treatment of contract and locum income. The home loan comparison is where that shows up.

Transport and access: Heidelberg station on the Hurstbridge line, Burgundy Street and Bell Street buses, the Eastern Freeway at Bulleen Road.

How we work with Heidelberg clients

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

What Heidelberg 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.