Mortgage broker in West Melbourne

Buying or refinancing in West Melbourne

West Melbourne is the quiet corner between the Queen Victoria Market, Flagstaff Gardens and Docklands: Victorian terraces and warehouses on Dudley and Hawke Streets, new apartment buildings along Spencer Street and the Arden precinct taking shape to the north.

Professional couples buying a terrace or warehouse conversion, and investors in the newer apartments, are the West Melbourne mix. Warehouse conversions get a lender-specific view, so the comparison starts with which lenders accept the property, then the rate.

Transport and access: Flagstaff and Southern Cross stations, the route 57 and 58 trams, CityLink at Dynon Road.

How we work with West Melbourne clients

West Melbourne 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 West Melbourne clients have been with us through two or three loans.

What West Melbourne 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.