Mortgage broker in Mentone

Buying or refinancing in Mentone

Mentone is the schools and the beach: Mentone Grammar, Mentone Girls, St Bede's and Kilbreda within a few blocks of each other, a village around the station and Como Parade, and Edwardian homes and newer townhouses running down to Beach Road.

Families moving for the schools are most of our Mentone clients, many of them buying before they sell. A bridging loan covers the gap, but it only works with a lender that takes a realistic view of the sale price and the timing, so we set that up before the auction, not after.

Transport and access: Mentone station on the Frankston line, Nepean Highway and Balcombe Road buses, Beach Road.

How we work with Mentone clients

Mentone is about 20 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 Mentone clients have been with us through two or three loans.

What Mentone 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.