Mortgage broker in Pascoe Vale

Buying or refinancing in Pascoe Vale

Pascoe Vale is Gaffney Street and the Coburg hill, post-war brick homes on good blocks, Pascoe Vale station and the Craigieburn line, and a lot of townhouses going up near the stations. It is family territory between Coburg and Essendon.

Families upgrading from Brunswick and Coburg units and builders splitting the blocks are the Pascoe Vale mix. A townhouse under $750,000 still gets a Victorian duty concession, and a dual occupancy build is a construction loan with progress payments.

Transport and access: Pascoe Vale and Oak Park stations on the Craigieburn line, Gaffney Street and Pascoe Vale Road buses, the Tullamarine Freeway.

How we work with Pascoe Vale clients

Pascoe Vale is about 22 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 Pascoe Vale clients have been with us through two or three loans.

What Pascoe Vale 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.