Mortgage broker in Mulgrave

Buying or refinancing in Mulgrave

Mulgrave is Waverley Gardens, the Wellington Road and Police Road shops, and streets of 1970s brick homes on good blocks with newer townhouses filling in. Monash Medical Centre and the Monash Freeway are both minutes away.

First home buyers in townhouses and families upgrading from Clayton and Springvale make up most of our Mulgrave clients. A townhouse under $750,000 attracts the Victorian stamp duty concession and sits well under the First Home Guarantee cap, which is why so many first-timers land here.

Transport and access: Wellington Road, Springvale Road and Police Road buses, the Monash Freeway at Wellington Road or Springvale Road, EastLink at Wellington Road.

How we work with Mulgrave clients

Mulgrave is about 13 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 Mulgrave clients have been with us through two or three loans.

What Mulgrave 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.