Melbourne East
Cinch Loans is a mortgage broker for Wantirna South, about 9 km from our Blackburn office. We compare more than 90 lenders, write the plan down before any application, and meet Wantirna South clients at the office, at home or on video. First home, next home, refinance, investment or SMSF.
About 9 km from our Blackburn office. Office, home or video
Three things worth knowing before you borrow in Wantirna South.
3152
Postcode
Knox
Council: City of Knox
9 km
From our Blackburn office
Wantirna South is Knox City and Knox Ozone, Knox Private Hospital, and streets of 1970s and 80s brick homes on big blocks between Burwood Highway and High Street Road, with townhouses now going up near the centre. EastLink runs along its western edge.
Upgrading families and first home buyers in townhouses are most of our Wantirna South clients, with hospital staff buying nearby. Knox City is a few minutes from the office, so most people come in. A pre-approval with a lender that will honour it on auction day is where most Wantirna South purchases start.
Transport and access: Burwood Highway buses and the route 75 tram at Vermont South, Stud Road and Boronia Road buses, EastLink at Burwood Highway.
Wantirna South 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 Wantirna South clients have been with us through two or three loans.
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.
Where you are, what you have saved, what you want to buy or refinance. You leave with a borrowing figure, the schemes you qualify for, and a plan in writing. No credit check, no obligation.
Book my free chatCheck my borrowing powerServices: First home buyers · Home loans · Refinancing · Investment loans
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Straight answers. If yours isn't here, ask cinchi (bottom right) or book a chat.
Do you come to Wantirna South?
Yes. Wantirna South is about 9 km from our Blackburn office, so the first chat can be at the office, at your home or on video, whichever is easier. Evenings and weekends are available by arrangement.
How much deposit do I need to buy in Wantirna South?
Five per cent plus stamp duty and costs if you qualify for the First Home Guarantee, which caps at $950,000 in Melbourne. Otherwise plan on 8 to 12 per cent with lenders mortgage insurance, or 20 per cent to avoid it. Victorian first home buyers pay no stamp duty up to $600,000 and a reduced amount to $750,000.
Which lender is best in Wantirna South?
There is no single best lender. The right one is the lender whose policy suits your income, deposit and the property, and who prices your loan sharply after the honeymoon rate ends. We usually compare three or four in writing and recommend one.
What does a mortgage broker cost?
Nothing to you. We are paid a commission by the lender you choose, disclosed in your Credit Guide before you decide, and our recommendation does not change with it.
Same team, same process, wherever you are. All locations
Local knowledge. Lending Australia-wide. A cinch.
Wantirna South
VIC
3152
-37.8730
145.2180
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Mortgage Broker Wantirna South | Cinch Loans, Blackburn
Mortgage broker for Wantirna South, 9 km from Blackburn. First home, refinance, investment and SMSF loans across 90+ lenders. Office, home or video.