VIC — Mortgage Broker

Mortgage Broker in Fitzroy, Melbourne

Melbourne's creative hub — terrace houses, young professionals and one of the inner north's strongest markets.

✓ No fee in most cases|✓ 30+ lender panel|✓ Home, investment & refinance|✓ NSW · QLD · VIC · Australia-wide|✓ Legally obliged to act in your best interests

Helping Fitzroy buyers find the right loan

Fitzroy is Melbourne's most culturally vibrant inner suburb — known for its independent retail, laneway art, heritage architecture and concentration of creative and media industry workers. The suburb has gentrified progressively over several decades, and terrace houses in Fitzroy have become one of Melbourne's most sought-after property types.

Buyers in Fitzroy are typically dual-income professional couples, creatives in their 30s purchasing their first home, investors who recognise the suburb's scarcity value, and long-term holders refinancing assets they have owned for years. We assist across all these scenarios.

Ready to get started?

Book a free call and we will map out your options.

Book Appointment (02) 9188 2138

What we do

Services available to Fitzroy clients

We help with all types of home finance.

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Home Loans

Buying your own home in Fitzroy. We compare 30+ lenders to find the right rate and structure.

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Investment Loans

Building a property portfolio. We help investors maximise borrowing capacity and structure for deductibility.

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Refinancing

Review your existing loan against the full market. We compare across 30+ lenders.

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First Home Buyers

FHOG, First Home Guarantee and stamp duty guidance. Clear advice from first call to settlement.

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Guarantor Loans

Help your child buy using family equity. We explain the risks and what lenders require.

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Construction Loans

Building new or knockdown rebuild. Progressive drawdown loans managed from slab to handover.

Who we help

Common situations in Fitzroy

Fitzroy's property stock is dominated by Victorian and Edwardian terraces, some warehouse conversions and boutique apartments. Supply is inherently constrained by the suburb's heritage overlay and existing density. This structural scarcity supports values over the long term.

Young professional couple buying their first home

Combined income often gives Fitzroy buyers strong borrowing capacity. We help structure the loan across both incomes to optimise the outcome.

Investor purchasing a terrace house for long-term hold

Fitzroy terraces have outperformed broader Melbourne benchmarks consistently. We help investors assess financing and ensure they hold the asset efficiently.

Refinancer who purchased during the COVID period

Many Fitzroy buyers purchased in 2020-2021 at peak fixed rates. We review whether switching to a current product makes financial sense.

Service area

We also serve nearby areas

LoanBuddy works with clients across VIC and Australia-wide. From Fitzroy, we also regularly assist buyers in: Melbourne CBD · Carlton · Richmond · Brunswick — and many more areas.

Book a Free Call

FAQ

Common questions from Fitzroy buyers

Victorian terrace houses range from around $1.4 million to $3.5 million depending on size, street and renovation standard.

The two suburbs are broadly comparable, with street-by-street variation. Both have consistently been among Melbourne's top-performing inner suburbs.

Yes. We work across the inner north Melbourne including Fitzroy North, Carlton North, Brunswick and Abbotsford.

Many Fitzroy properties have heritage overlays which restrict certain renovations. This does not typically affect lending, but we flag it where relevant.

Have more questions? Book a free call and we will answer them directly.

Work with a broker who knows the Fitzroy market

No fee in most cases · 30+ lenders · Clear advice from first call to settlement

Book Appointment