Mortgage broker in South Yarra

Buying or refinancing in South Yarra

South Yarra is Chapel Street, Toorak Road and the Botanic Gardens: apartments of every age from 1930s blocks to new towers along the river, terraces on the quieter streets east of Chapel, and the Jam Factory and Prahran Market a walk away.

Apartments drive South Yarra lending. First home buyers, investors and downsizers are all buying units, and the lender's view of the building matters: size, the number of apartments in the block, and whether it is a new tower all change the maximum loan. We check the lender policy on the actual building before you bid.

Transport and access: South Yarra station on the Sandringham, Frankston, Cranbourne and Pakenham lines, the route 58 and 78 trams, the Monash Freeway at Punt Road.

How we work with South Yarra clients

South Yarra is about 14 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 Yarra clients have been with us through two or three loans.

What South Yarra 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.