Mortgage Brokers in Melbourne
Smarter home loans for Melbourne buyers, refinancers and investors — backed by a local broker on call seven days.
From inner-city apartments in Fitzroy to family homes across Bayside and growth corridors in the West, our Melbourne mortgage brokers compare 40+ lenders to find loans that fit Melbourne's diverse market and Victoria's stamp duty rules.
Local know-how for the Melbourne property market
Melbourne offers some of Australia's most generous first-home buyer support, but Victoria's stamp duty and land tax rules can catch buyers out. We model the true cost of buying, factor in Victorian Homebuyer Fund eligibility, and structure investor loans with VIC land tax in mind.
Victorian grants & concessions
First Home Owner Grant, stamp duty exemptions under $600k and concessions up to $750k — we'll check every scheme you qualify for.
Apartment & high-density lending
Many lenders restrict apartment lending in postcodes like 3000 or 3008. We know which lenders fund what.
Investor strategy for VIC
We structure portfolios around Victorian land tax thresholds and help investors stay cash-flow positive.
Refinance specialists
Melbourne homeowners on legacy rates often save thousands a year refinancing. We do a free comparison in 15 minutes.
Suburbs we service across Melbourne
Phone, video and in-person appointments available. A few of the Melbourne suburbs we regularly settle loans in:
- Richmond
- Fitzroy
- St Kilda
- Brunswick
- South Yarra
- Footscray
- Carlton
- Box Hill
- Werribee
- Doncaster
- Brighton
- Frankston
Melbourne mortgage broker FAQs
How much can I borrow in Melbourne?+
Most Melbourne buyers borrow 4–6x their gross income, but it depends on expenses, deposit and lender policy. We compare 40+ lenders to find your true maximum.
What first-home buyer grants are available in Victoria?+
The $10,000 First Home Owner Grant applies to new homes up to $750,000. Stamp duty is waived on homes under $600,000 and reduced up to $750,000. The Victorian Homebuyer Fund and First Home Guarantee may also help.
Can I get a Melbourne home loan as a self-employed business owner?+
Yes. Several lenders accept one year of tax returns, BAS-only assessments or accountant declarations. We'll match you with the right alt-doc or low-doc lender.
Should I refinance my Melbourne home loan?+
If your rate starts with a 6 (and you have decent equity), refinancing usually saves money. We'll do a free comparison and only recommend switching if it puts you ahead after fees.
How much does a Melbourne mortgage broker cost?+
Nothing. We're paid by the lender, not you, so our recommendation stays on your side of the table.
Talk to a Melbourne mortgage broker today
Free, no-obligation assessment. We'll show you exactly how much you can borrow and the sharpest rates you qualify for in the Melbourne market.
- 40+ lenders compared
- 99% approval rate
- Zero broker fees