Mortgage broker in Lilydale

Buying or refinancing in Lilydale

Lilydale is the gateway to the Yarra Valley: a growing township with new estates, larger older homes, acreage on the outskirts and good schools. Buyers get land here that is unaffordable closer in.

First home buyers in new estates, families moving out for space, and clients buying small acreage or rural-residential properties. Acreage and rural-residential lending has its own rules: lot size limits, water and access, and lenders that will not lend on hobby farms. We match the property to a lender before you spend money on inspections.

Transport and access: Lilydale station, the end of the Lilydale line, and Maroondah Highway to the Yarra Valley.

How we work with Lilydale clients

Lilydale is 19 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 Lilydale clients have been with us through two or three loans.

What Lilydale 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.