Bendigo, VIC mortgage broker
Tell us a little about your plans and we’ll compare lenders for you. Fast, local and focused on getting your loan approved at a sharp rate.
*Terms and conditions apply. Cashback offers are available from some lenders only, apply to certain net loan amounts, vary between lenders and are subject to each lender’s current offers and eligibility criteria. LMI (lenders mortgage insurance) waivers are available from some lenders only, for eligible professions, up to the maximum LVR (loan to value ratio) each lender allows, and are subject to lender policy and approval. Not all applicants will qualify.
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What we do
First home & next home buyers
Whether it’s your first place or your next upgrade in Bendigo, we line up the right loan, grants and pre-approval so you can bid with confidence.
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Grants, concessions & 5% deposit options
Buying your first place in VIC? We map out every grant, stamp duty saving and government scheme you can use, then match the right loan.
See the schemes
Rate comparisons & cash-back offers
Is your lender still giving you a sharp rate? We compare your current loan against the market and look at cash-back offers that could put money back in your pocket.
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Building from scratch
Land plus build, or building on land you own. We structure progress payments so cash flow stays smooth from slab to handover.
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Upgrade without changing address
Love your street but not your house? Demolish and rebuild your dream home on the same block — with finance set up to fit the process.
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Buy before you sell
Found the next home before selling the current one? A bridging loan covers the gap so you don’t have to miss out.
Compare ratesFirst home buyers
Grants, stamp duty savings and government-backed deposit schemes can add up to tens of thousands of dollars. Most buyers can combine some of them. We work out which ones fit you, then arrange the loan around them.
One-off, tax-free cash grant
$10,000
A grant towards buying or building a brand-new home valued at up to $750,000.
Victorian first home buyer duty relief
Save up to $31,070
No stamp duty on eligible homes up to $600,000, with a sliding concession up to $750,000.
Federal First Home Guarantee
5% deposit, no LMI
The government guarantees part of your loan, so you can buy with a 5% deposit and skip lenders mortgage insurance.
Federal shared equity scheme
Government co-owns up to 40%
The government takes an equity share in your home, so you borrow less and can get in with as little as a 2% deposit.
Build your deposit inside super
Up to $50,000
Make voluntary super contributions, then release them with earnings towards your first home deposit.
For single parents & guardians
2% deposit, no LMI
Single parents and single legal guardians with a dependent child can buy with as little as a 2% deposit.
Tell us your plans and we’ll check every scheme for your situation and suburb, then show you what your deposit and repayments could look like.
General information only, current as at October 2026. Scheme rules, price caps, income limits and available places change often and depend on your circumstances and the property location. Always confirm details with State Revenue Office Victoria and Housing Australia, and note that lenders apply their own approval criteria.
Calculators
Work out your home loan repayments in seconds, including extra repayments and what a rate rise would cost. Open the full page
Estimated monthly repayment
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If interest rates rise
Estimate only. Results assume a constant interest rate for the whole term, repayments made on time, and exclude fees, offsets and redraw. Your lender’s actual repayments will differ. This is general information, not credit advice, and is subject to lender approval and eligibility criteria.
Why choose us
With insider knowledge from the other side of the desk, our founder has successfully managed and written over $500 Million in loans during a top-tier banking career. We know exactly how the banks assess your application, allowing us to structure your loan for the highest chance of approval and the sharpest rates.Compare the rates
We present your application the way credit assessors want to see it.
Rate, fees, offset and features compared — not just the headline number.
Real conversations with a real Bendigo broker from enquiry to settlement.
How it works
Fill in the quick rate-comparison form or give us a call.
We shortlist suitable lenders and walk you through the trade-offs.
From application to settlement, we manage it so you can focus on the move.
Areas we service
We help buyers, builders, upgraders and investors across Bendigo, the Greater Bendigo region and Central Victoria. Local knowledge plus access to a wide range of lenders means a loan structured around your goals, not the bank’s.
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FAQ
A broker compares loans from a range of lenders, helps you choose a suitable structure, prepares and lodges your application, and manages it through to settlement. We do the legwork so you don’t have to visit bank after bank.
Use the “Compare the Rates” form above. Tell us your loan purpose, approximate loan amount and property value, and a broker will come back with options. Remember the lowest rate isn’t always the best loan — fees, features and approval policy matter too.
It varies by lender and how complete your documents are. A tidy application with payslips, ID and statements ready can move much faster. We’ll tell you exactly what’s needed up front.
No. We’re an independent broker and compare a wide panel of banks and lenders, including Bendigo Bank where it suits you, so you can see how the options stack up side by side before you choose.
No. We’re based in Bendigo and know the local market, but we arrange home loans right across Victoria and Australia wide.
Many lenders accept a deposit of 5–20% depending on your situation. A larger deposit can reduce lenders mortgage insurance (LMI) and may unlock sharper rates. We’ll run the numbers for your scenario.
Yes. We compare your current rate and features against the market and can handle the paperwork with your new lender. Fees and break costs may apply, so we look at the full picture before recommending a switch.