Mortgage broker in Spotswood

Buying or refinancing in Spotswood

Spotswood is small and tucked under the West Gate: Scienceworks, the Hudsons Road shops, worker's cottages and newer townhouses, and the river at the end of the street. It is Yarraville's quieter neighbour at a slightly gentler price.

First home buyers and young families moving from Yarraville and Newport apartments are our Spotswood clients, with investors in the townhouses. A townhouse under $750,000 still gets a Victorian duty concession, and the First Home Guarantee cap of $950,000 covers most houses here.

Transport and access: Spotswood station on the Werribee and Williamstown lines, Hudsons Road and Melbourne Road buses, the West Gate Freeway.

How we work with Spotswood clients

Spotswood is about 25 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 Spotswood clients have been with us through two or three loans.

What Spotswood 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.