Mortgage broker in Mooroolbark

Buying or refinancing in Mooroolbark

Mooroolbark is a quiet family suburb between Croydon and Lilydale, with established homes on generous blocks, a rebuilt station precinct and easy access to the Yarra Valley.

First home buyers and young families make up most Mooroolbark enquiries, with many using the First Home Guarantee or a family guarantee. The combination of the Victorian stamp duty concession and a 5% deposit under the First Home Guarantee makes Mooroolbark one of the lowest cash-to-complete suburbs in the east. We show the full number up front.

Transport and access: Mooroolbark station on the Lilydale line, Brice Avenue village.

How we work with Mooroolbark clients

Mooroolbark is 16 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 Mooroolbark clients have been with us through two or three loans.

What Mooroolbark 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.