Mortgage broker in Tarneit

Buying or refinancing in Tarneit

Tarneit is one of Australia's fastest-growing suburbs: new estates, house-and-land packages, young families and a station with express city trains. Most of the housing stock is less than fifteen years old.

First home buyers on house-and-land packages, families upgrading within Wyndham, and investors buying new builds. House-and-land packages need two loans in one: the land settlement and the construction loan with progress payments. We arrange both and keep an eye on the build timeline so the fixed-price contract and the approval line up.

Transport and access: Tarneit station on the Geelong line, with fast services to Southern Cross.

How we work with Tarneit clients

The west is where Cinch Loans began, and we still have a strong base of Tarneit clients. Appointments are at your home or on video; the office in Blackburn is there if you want it. The process is the same: a thirty-minute first conversation, a written plan with the real numbers, documents through a secure portal, and a team that chases every step to settlement.

What Tarneit clients come to us for

• First home buyer loans
• House-and-land and construction loans
• Refinancing and rate reviews
• Home loans and upgrades
• Investment 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.