Mortgage broker in Southbank

Buying or refinancing in Southbank

Southbank is the arts precinct and the casino, apartment towers along the river and City Road, and some of the tallest residential buildings in the country. It is almost entirely apartments, from small investor units to large owner-occupied ones with river views.

Investors and first home buyers in apartments, and downsizers moving in from the suburbs, are our Southbank clients. Apartment size, the number of units in the tower and whether the building is new all change the maximum loan from lender to lender, so the comparison starts with the building, not the rate.

Transport and access: Flinders Street station across the river, the route 1, 55 and 58 trams, the West Gate Freeway at Kings Way.

How we work with Southbank clients

Southbank is about 17 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 Southbank clients have been with us through two or three loans.

What Southbank 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.