Mortgage broker in Thornbury

Buying or refinancing in Thornbury

Thornbury is High Street north of Northcote: cafes and bars, Edwardian and inter-war homes on wide streets, the Thornbury Picture House and a run of townhouses and apartments along High Street and St Georges Road. Families priced out of Northcote land here.

First home buyers in townhouses, families moving up from a Northcote unit and owners refinancing after a renovation are the Thornbury mix. A townhouse here often sits under the First Home Guarantee cap, which keeps the deposit at 5 per cent without lenders mortgage insurance.

Transport and access: Thornbury and Bell stations on the Mernda line, the route 86 tram, St Georges Road buses.

How we work with Thornbury clients

Thornbury is about 17 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 Thornbury clients have been with us through two or three loans.

What Thornbury 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.