Mortgage broker in Prahran

Buying or refinancing in Prahran

Prahran is Chapel Street south of Commercial Road, Prahran Market, Greville Street and Victorian terraces on either side, with Windsor's pubs and cafes next door and apartment buildings along Dandenong Road. It is one of the few inner suburbs where a terrace is still a realistic first family home.

First home buyers in terraces and apartments, investors in older units and couples refinancing after a renovation make up most of our Prahran clients. A terrace renovation is a renovation loan question before it is a builder question: progress payments, a valuation on completion and a lender that accepts heritage overlays.

Transport and access: Prahran and Windsor stations on the Sandringham line, the route 78 tram on Chapel Street and route 72 on Commercial Road.

How we work with Prahran clients

Prahran is about 14 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 Prahran clients have been with us through two or three loans.

What Prahran 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.