Mortgage broker in Parkville

Buying or refinancing in Parkville

Parkville is Royal Park, the hospitals and the University of Melbourne: Victorian terraces and mansions on the Avenue and Gatehouse Street, the Parkville Gardens apartments at the old Commonwealth Games village and student housing near the campus. The Metro Tunnel station opens it up further.

Doctors and researchers buying near the hospitals, parents buying for students and investors in the newer apartments are the Parkville mix. Medical professionals can borrow more without lenders mortgage insurance with some lenders, and that is where the lender choice makes the difference.

Transport and access: Parkville station on the Metro Tunnel, the route 19, 58 and 59 trams, Royal Parade and Flemington Road, CityLink.

How we work with Parkville clients

Parkville 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 Parkville clients have been with us through two or three loans.

What Parkville 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.