Mortgage broker in Seabrook

Buying or refinancing in Seabrook

Seabrook sits between Point Cook and Altona Meadows, a 1990s estate of brick family homes on decent blocks around Seabrook Primary and the Central Avenue reserve, with Point Cook Town Centre and Altona Meadows shops a few minutes either way.

Seabrook is where many of our Point Cook clients started: a first house in the west, then an upgrade later. A lot of them now hold a Seabrook home with real equity and are asking about a second property. Keeping the investment loan separate from the home loan is the first thing we set up.

Transport and access: Aircraft station on the Werribee line, Point Cook Road and Central Avenue buses, the Princes Freeway at Point Cook Road.

How we work with Seabrook clients

Seabrook is about 33 km from our Blackburn office, so most of the work happens on video and by phone, with a home visit by arrangement when it helps. The first conversation takes thirty minutes and 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 valuation, approval and settlement. Distance has never been the problem; lenders are national and so are we.

What Seabrook 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.