Mortgage broker in Seddon

Buying or refinancing in Seddon

Seddon is the village between Footscray and Yarraville: Charles Street cafes, Victorian and Edwardian cottages on small blocks, and a quiet grid that fills with families who wanted Yarraville and found the same thing a few hundred metres north.

Upgraders from Footscray apartments and couples renovating a cottage are the Seddon clients we see most. A cottage renovation is a renovation loan drawn as the work is done, and heritage overlays are common here, so the lender needs to be comfortable before the architect is.

Transport and access: Seddon station on the Werribee and Williamstown lines, Charles Street and Somerville Road buses, the West Gate Freeway.

How we work with Seddon clients

Seddon is about 24 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 Seddon clients have been with us through two or three loans.

What Seddon 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.