Mortgage broker in South Melbourne

Buying or refinancing in South Melbourne

South Melbourne is the market, Clarendon Street and the Emerald Hill terraces, with apartments along Kings Way and City Road and the lake and Albert Park at the southern edge. It is the city's closest terrace suburb south of the river.

Professional couples buying a terrace, downsizers moving to an apartment near the market and investors in Kings Way towers are our South Melbourne clients. Terrace prices mean large loans, and large loans need a lender whose policy suits the income and the property.

Transport and access: the route 1, 12 and 96 trams, Southern Cross and Flinders Street stations a short tram ride, the West Gate Freeway at Kings Way.

How we work with South Melbourne clients

South Melbourne is about 18 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 South Melbourne clients have been with us through two or three loans.

What South Melbourne 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.