Mortgage broker in Ringwood

Buying or refinancing in Ringwood

Ringwood is the east's transport and retail hub, with Eastland, the rebuilt station precinct and a growing stock of apartments, alongside family streets in Ringwood East and North. It is noticeably more affordable than Whitehorse and Boroondara.

First home buyers priced out of the inner east, investors buying apartments near Eastland, and families refinancing to renovate are the regular Ringwood clients. Ringwood prices sit comfortably under the First Home Guarantee cap, so a 5% deposit with no LMI is realistic here. We check eligibility and line up a guarantee lender before you start inspecting.

Transport and access: Ringwood station, Eastland, and the meeting point of EastLink, the Eastern Freeway and Maroondah Highway.

How we work with Ringwood clients

Ringwood is 8 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 Ringwood clients have been with us through two or three loans.

What Ringwood 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.