Mortgage broker in Hoppers Crossing

Buying or refinancing in Hoppers Crossing

Hoppers Crossing is an established 1970s and 80s suburb between Werribee and Point Cook, with larger blocks than the newer estates, Pacific Werribee on its doorstep and a long-standing community.

Long-term owners refinancing or releasing equity, families buying a bigger block, and investors adding a granny flat or second dwelling. Hoppers Crossing blocks suit a rear dwelling or granny flat, and we finance those builds with construction loans or equity releases, including the lenders that count the new rental income.

Transport and access: Hoppers Crossing station on the Werribee line and the Princes Freeway.

How we work with Hoppers Crossing clients

The west is where Cinch Loans began, and we still have a strong base of Hoppers Crossing 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.

What Hoppers Crossing clients come to us for

• First home buyer loans
• House-and-land and construction loans
• Refinancing and rate reviews
• Home loans and upgrades
• Investment 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.