Mortgage broker in Point Cook

Buying or refinancing in Point Cook

Point Cook is where Cinch Loans started, and we still have a large base of clients across Point Cook, Sanctuary Lakes, Saltwater Coast and Featherbrook. It is a master-planned suburb of homes built from the late 1990s onward, with a town centre, coastal park and strong schools.

Families refinancing their first fixed-rate loan, owners upgrading within Point Cook, and investors who bought here early and are now using equity to buy again. Many Point Cook loans were written during the low-rate years and have never been reviewed. A rate review and a look at your offset structure often saves more than any other single move, and we can do it by phone or video.

Transport and access: Williams Landing station and the Princes Freeway; Point Cook Town Centre and Sanctuary Lakes.

How we work with Point Cook clients

The west is where Cinch Loans began, and we still have a strong base of Point Cook clients. Appointments are at your home or on video; the office in Blackburn is there if you want it. The process is the same: a thirty-minute first conversation, a written plan with the real numbers, documents through a secure portal, and a team that chases every step to settlement.

What Point Cook clients come to us for

• First home buyer loans
• House-and-land and construction loans
• Refinancing and rate reviews
• Home loans and upgrades
• Investment 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.