Mortgage broker in North Melbourne

Buying or refinancing in North Melbourne

North Melbourne is Errol Street's village, Victorian terraces and cottages on the hill, the Royal Melbourne Hospital and the Parkville precinct next door, and the Arden urban renewal site to the west. It is the city's last terrace suburb at a non-Carlton price.

Hospital staff and university workers buying a first home, couples buying a terrace and investors in older flats are our North Melbourne clients. Medical and allied health professionals get lender policies the rest of the market does not, which shows up in the comparison.

Transport and access: North Melbourne station on the Werribee, Williamstown, Sunbury and Craigieburn lines, the route 57 and 58 trams, CityLink at Flemington Road.

How we work with North Melbourne clients

North Melbourne is about 17 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 North Melbourne clients have been with us through two or three loans.

What North Melbourne 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.