Mortgage broker in Yarraville

Buying or refinancing in Yarraville

Yarraville is the inner west's village: the Sun Theatre, Anderson Street cafes, Victorian cottages and weatherboards on small blocks, and a community that rarely leaves. It is a short train ride from the city.

First home buyers purchasing cottages and units, young families upgrading within the inner west, and owners refinancing after a renovation. Yarraville cottages on small blocks are popular first homes, and the Victorian stamp duty concession to $750,000 still applies to many of them. We run the numbers on duty, deposit and LMI before you bid.

Transport and access: Yarraville and Seddon stations, the Yarraville village and the West Gate Freeway.

How we work with Yarraville clients

The west is where Cinch Loans began, and we still have a strong base of Yarraville clients. Appointments are at your home or on video; the office in Blackburn is there if you want it. The process is the same: a thirty-minute first conversation, a written plan with the real numbers, documents through a secure portal, and a team that chases every step to settlement.

What Yarraville clients come to us for

• First home buyer loans
• House-and-land and construction loans
• Refinancing and rate reviews
• Home loans and upgrades
• Investment 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.