Mortgage broker in Mill Park

Buying or refinancing in Mill Park

Mill Park is Whittlesea's established family suburb: 1980s and 90s brick homes on good blocks, the Stables and Mill Park Lakes shops, Mill Park Secondary and Plenty Valley, with the Mernda line at South Morang and the tram at Bundoora. It is the stable middle of the northern growth corridor.

Upgrading families, first home buyers in townhouses and owners refinancing a loan written when the estate was new are the Mill Park mix. A rate review on a loan more than a few years old is the first conversation we have with most Mill Park owners.

Transport and access: South Morang and Middle Gorge stations on the Mernda line, Plenty Road and McDonalds Road buses, the Western Ring Road at Plenty Road.

How we work with Mill Park clients

Mill Park is about 22 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 Mill Park clients have been with us through two or three loans.

What Mill Park 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.