Mortgage broker in Templestowe Lower

Buying or refinancing in Templestowe Lower

Templestowe Lower is the river end of Templestowe: Macedon Square and Templestowe Village, Westerfolds Park and the Yarra, 1960s and 70s brick homes on big blocks and a growing number of large new builds and townhouses. It is ten minutes from the office via Williamsons Road.

Families upgrading from Doncaster and Bulleen units, builders doing a rebuild and owners drawing equity for a second property are our Templestowe Lower clients. A second-property loan secured on a Templestowe Lower home is an investment loan that should stay separate from the home loan for tax.

Transport and access: Williamsons Road and Manningham Road buses to Doncaster and the city, the Eastern Freeway at Bulleen Road or Doncaster Road.

How we work with Templestowe Lower clients

Templestowe Lower is about 9 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 Templestowe Lower clients have been with us through two or three loans.

What Templestowe Lower 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.