Mortgage broker in Vermont

Buying or refinancing in Vermont

Vermont and Vermont South are classic family suburbs of 1960s and 70s homes on large blocks, with good schools, Vermont South shopping centre and the end of the Burwood Highway tram. Many homes have been extended or rebuilt.

Clients here are mostly families refinancing to fund an extension or a pool, owners consolidating debt, and empty-nesters downsizing with a renovation loan on the new place. Renovation and construction lending is common in Vermont: progress-payment loans for a major extension, or a loan structured so the equity in the existing home funds the build.

Transport and access: Bus routes to Mitcham, Nunawading and Glen Waverley stations, with EastLink at Canterbury Road.

How we work with Vermont clients

Vermont is 5 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 Vermont clients have been with us through two or three loans.

What Vermont 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.