Mortgage broker in Northcote

Buying or refinancing in Northcote

Northcote is High Street's cafes and venues, All Nations Park, the Westgarth village and streets of Victorian and Edwardian homes between the Merri Creek and the Darebin Creek. It is the north's Fitzroy with a backyard.

Families upgrading from Fitzroy and Brunswick apartments, couples renovating a period home and investors in High Street apartments are our Northcote clients. Northcote renovations are big ones, and a renovation loan drawn in stages keeps the interest bill down while the builder is on site.

Transport and access: Northcote, Merri and Croxton stations on the Mernda line, the route 86 tram on High Street, Westgarth station on the Hurstbridge line.

How we work with Northcote clients

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

What Northcote 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.