Mortgage broker in Moonee Ponds

Buying or refinancing in Moonee Ponds

Moonee Ponds is Puckle Street, the racecourse and Queens Park, Victorian and Edwardian homes on the streets off Mount Alexander Road and a run of apartment towers around the station. It is the north-west's shopping and cafe centre.

First home buyers and investors in apartments, families upgrading to a period house and downsizers moving in from Essendon are the Moonee Ponds mix. Apartment lending depends on the building, so we check the lender policy on the tower before you commit to an off-the-plan contract.

Transport and access: Moonee Ponds station on the Craigieburn line, the route 59 and 82 trams, the Tullamarine Freeway at Moreland Road.

How we work with Moonee Ponds clients

Moonee Ponds is about 23 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 Moonee Ponds clients have been with us through two or three loans.

What Moonee Ponds 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.