Mortgage broker in Surrey Hills

Buying or refinancing in Surrey Hills

Surrey Hills is one of the east's most tightly held suburbs: Federation and Edwardian homes, mature trees, and a village around Union Road. It straddles Boroondara and Whitehorse, and prices reflect the Boroondara side.

Buyers are typically upgraders with substantial equity and complex income, professionals and business owners, who need a lender that reads a trust distribution or a company return properly. Self-employed and professional income is the Surrey Hills theme. We present company, trust and partnership income the way a credit assessor wants to see it, and choose the lender that will count it.

Transport and access: Union station, Chatham station and the Riversdale Road tram.

How we work with Surrey Hills clients

Surrey Hills is 6 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 Surrey Hills clients have been with us through two or three loans.

What Surrey Hills 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.