One vetted Melbourne specialist. 60 lenders compared. Paid by the lender, never by you.
Melbourne’s auction-driven market and unique VIC rules make lender competition vital. A specialist’s 60+ lender panel beats any single bank.
The specifics that matter for buying in Victoria. Tap any section to read more.
Up to $600,000: Full stamp duty exemption for eligible VIC first home buyers.
$600,000 – $750,000: Sliding-scale concession — partial duty owed.
Over $750,000: Full standard stamp duty applies.
VIC also offers a regional 50% concession for homes up to $600,000 outside Melbourne. Eligibility requires Australian citizenship or PR, being 18+, having never owned property in Australia, and moving in within 12 months. Use our free stamp duty calculator →
The First Home Guarantee lets eligible Melbourne FHBs buy with a 5% deposit without paying LMI. The Federal Government acts as guarantor for the other 15%.
VIC price caps (2026): $950K in Melbourne metro / capital city, $650K in regional VIC. Income caps: $125K single, $200K couple.
Places: 35,000 FHB places per financial year plus 10,000 Regional First Home Buyer Guarantee places.
A specialist can model the FHG alongside standard 10%/20% deposit options to show which path saves you more.
Median house price: ~$980K (CoreLogic).
Median unit price: ~$580K.
Auction clearance rate: 60–66% week-on-week.
Days on market (houses): 30–40 days.
Top growth suburbs: Inner North (Brunswick, Northcote), Bayside (Brighton, Hampton), and the East (Hawthorn, Camberwell) lead capital growth; outer metro like Werribee and Cranbourne offer better rental yields.
A Melbourne specialist has a panel of 30–60+ lenders including major banks (CBA, ANZ, NAB, Westpac), second-tier (Macquarie, ING, Bankwest, Suncorp), and non-bank specialists.
Walk into a big-4 branch and you get one lender’s products at standard pricing. A specialist creates competition between lenders — that competition alone routinely yields 0.3–0.5% lower rates.
On a $800K Melbourne loan, 0.4% lower saves $3,200 per year — $96,000 over 30 years. Free, because the lender pays the specialist.
We match you with a vetted Melbourne-based home loan specialist. Free to you, no obligation, no lock-in.
Get Matched With A Melbourne Specialist →A Melbourne borrower on $95K single / $170K couple income with standard expenses typically borrows $520K–$880K. Melbourne’s expenses are lower than Sydney but higher than most regional markets. Try the borrowing capacity calculator →
Yes — free to you. Melbourne specialists are paid a commission by the lender on settlement (typically 0.5–0.7% upfront + small trail). You pay the same rate whether direct or via specialist, but get the whole-of-market comparison done for free.
Yes. Melbourne specialists service every metro suburb and beyond — South Yarra, Brunswick, Hawthorn, Frankston, Werribee, Dandenong, Ringwood, and regional VIC. Most work remotely via Zoom plus document e-signing, so location doesn’t affect service.