Mortgage broker in Mitcham

Buying or refinancing in Mitcham

Mitcham offers a bit more land for the money than Blackburn, with a village shopping strip, Antonio Park and a mix of original brick homes, townhouses and new builds. The station precinct has been rebuilt and new apartments have followed.

First home buyers using the First Home Guarantee, families upgrading from the inner east, and investors buying townhouses near the station are the usual mix. The First Home Guarantee is a frequent fit in Mitcham because many homes sit under the $950,000 Melbourne cap. We know which guarantee lenders price the loan sharply and which simply have a place on the panel.

Transport and access: Mitcham station on the Belgrave and Lilydale lines, EastLink and the Eastern Freeway via Springvale Road.

How we work with Mitcham clients

Mitcham is 4 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 Mitcham clients have been with us through two or three loans.

What Mitcham 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.