Mortgage broker in Melbourne

Lending in Melbourne

Melbourne is our home city. We hold loans in every part of it, from Point Cook in the west, where Cinch began, to the eastern suburbs around our Blackburn office, and across the inner city, north and south-east.

Across Melbourne the regular work is first home buyers using the Victorian schemes, families upgrading, investors managing a portfolio, and owners refinancing loans written during the low-rate years. Melbourne has the most competitive lender market in the country and the widest spread in policy. The same couple can be approved for $650,000 by one bank and $780,000 by another; comparing across 90-plus lenders is the job.

How we work with Melbourne clients

Melbourne is 18 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 Melbourne clients have been with us through two or three loans.

What Melbourne clients come to us for

• Investment loans, including interstate purchases
• First home buyer loans
• Refinancing and rate reviews
• Home loans
• Commercial and business finance
• 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.