Mortgage broker in Sunshine

Buying or refinancing in Sunshine

Sunshine is the west's next big station precinct: the Sunshine Plaza and Hampshire Road shops, post-war brick homes on big blocks, a wave of townhouses and apartments near the station, and the Airport Rail works that will put it on the map again.

Investors buying near the station, first home buyers in townhouses and families splitting the big blocks make up our Sunshine work. A knockdown-rebuild or dual occupancy is a construction loan with progress payments and a lender comfortable with two dwellings on one title.

Transport and access: Sunshine station on the Sunbury, Werribee and regional lines, Hampshire Road and Ballarat Road buses, the Western Ring Road at Ballarat Road.

How we work with Sunshine clients

Sunshine is about 28 km from our Blackburn office, so most of the work happens on video and by phone, with a home visit by arrangement when it helps. The first conversation takes thirty minutes and 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 valuation, approval and settlement. Distance has never been the problem; lenders are national and so are we.

What Sunshine 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.