Mortgage broker in Richmond

Buying or refinancing in Richmond

Richmond is Bridge Road, Swan Street, Victoria Street and Church Street, with worker's cottages and terraces in between, the Cremorne tech precinct along the river, and new apartment buildings on every main road. The MCG and the Yarra are a walk away.

Richmond clients are first home buyers in cottages and apartments, investors in the new buildings and a growing group of Cremorne founders and tech staff with equity and options as part of their income. That income needs a lender that counts it, so the comparison starts with policy. Cottages on small titles and apartments in large towers both have lender limits worth knowing before auction.

Transport and access: Richmond, East Richmond and Burnley stations, the route 48, 70, 75 and 109 trams, the Monash Freeway at Burnley.

How we work with Richmond clients

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

What Richmond 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.