Mortgage broker in Mount Eliza

Buying or refinancing in Mount Eliza

Mount Eliza is the Peninsula's blue-chip village: big homes on large, treed blocks above the bay, the Mount Eliza Village shops, Peninsula Grammar and Toorak College, and beaches at Ranelagh and Canadian Bay. A lot of owners commute to the city and more work from home.

Mount Eliza clients are families upgrading from Frankston and the bayside suburbs, often with a large loan on a large block, and established owners refinancing or buying a second property. Large blocks and non-standard homes need a lender whose policy fits the property, and we handle most of it on video with a visit when it helps.

Transport and access: Frankston station a short drive, Nepean Highway and Mount Eliza Way, Peninsula Link at Frankston or Moorooduc.

How we work with Mount Eliza clients

Mount Eliza is about 45 km from our Blackburn office, so most of the work happens on video and by phone, with a home visit by arrangement when it helps. The first conversation takes thirty minutes and 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 valuation, approval and settlement. Distance has never been the problem; lenders are national and so are we.

What Mount Eliza 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.