Mortgage broker in Sandringham

Buying or refinancing in Sandringham

Sandringham is the end of the line: a village around the station and Bay Road, the harbour and yacht club, Edwardian homes on the cliffs and newer houses and townhouses inland. Sandringham College and the beach keep families and retirees in the same streets.

Upgrading families, downsizers selling a Hampton house for a Sandringham apartment and retirees refinancing into a loan that suits a smaller income are our Sandringham clients. Lending into retirement needs a lender that accepts the exit plan, so we handle that refinance conversation carefully rather than quickly.

Transport and access: Sandringham station at the end of the Sandringham line, Bay Road and Bluff Road buses, Beach Road.

How we work with Sandringham clients

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

What Sandringham 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.