Mortgage broker in Melbourne
Last checked
As at Next checkZafar Karim is a Melbourne-based mortgage broker. He arranges home loans from lenders on Mortgage Australia Group's panel.
- In person in Melbourne by arrangement, or by phone and video
- Victorian grant: $10,000 for new homes up to $750,000
- No stamp duty for eligible first home buyers up to $600,000
- Federal scheme cap for Melbourne and Geelong: $950,000
Working with Zafar in Melbourne
Zafar is based in Melbourne. You can meet him in person by arrangement (9am to 6pm), or talk by phone or video call (for example Zoom).
Level 2, 1341 Dandenong Road, Chadstone VIC 3148A first call takes about 15 minutes. Zafar asks what you are trying to do, your timeframe and what matters most to you in a loan. Before he gives any credit assistance, you receive his Credit Guide.
He also works with clients across Australia by phone and video, including in Canberra (see mortgage broker in Canberra).
Victorian and federal support for Melbourne buyers
In Victoria, the grant and the stamp duty saving both stop at $750,000.[1][2] Melbourne and Geelong share a higher federal price cap than the rest of Victoria.[3][4]
| Item | Melbourne | Source |
|---|---|---|
| First Home Owner Grant # | $10,000, new homes valued up to $750,000 | [1] |
| Stamp duty # | None up to $600,000; reduced from $600,001 to $750,000 | [2] |
| 5% Deposit Scheme cap # | $950,000 (rest of Victoria: $650,000) | [4] |
| Help to Buy cap # | $950,000 (rest of Victoria: $650,000) | [3] |
So a $700,000 home in Melbourne is under both federal caps. An eligible first home buyer pays reduced, not nil, stamp duty on it. A new home at that price may also get the grant. Full details are in our Victorian first home buyer guide.
Buying or refinancing in Melbourne? Talk to Zafar.
Request a call Call 0402 357 860
Or ask Zafar to call you back
What clients ask most
- How much deposit do I need?
- How does pre-approval work, and how long does it last?
- Should I split my loan between fixed and variable?
- Is it worth refinancing my current loan?
- How does Islamic home finance work?
Check us before you call
Moneysmart recommends checking that any broker is licensed or is a representative of a licensee. Search ASIC's Professional Registers for Credit Representative 581277. Our About page shows how.
Worth weighing up
- Zafar compares loans from his lender panel, which does not include every lender.
- Approval is always the lender's decision, made on its own criteria.
- Grant and duty rules are set by the State Revenue Office and can change.
General information only. It does not take into account your objectives, financial situation or needs, and it is not a recommendation to enter into any credit contract.
What changed
- : Page created. Victorian figures from our Victoria guide, checked on the date shown.
Meet Zafar in Melbourne
Request a short first call, and say whether you would like to meet in person.
Request a call Call 0402 357 860
Sources
- State Revenue Office Victoria, First home owner. Retrieved .
- State Revenue Office Victoria, First home buyer duty exemption or concession. Retrieved .
- Housing Australia (firsthomebuyers.gov.au), Help to Buy property price caps. Retrieved .
- Housing Australia (firsthomebuyers.gov.au), Australian Government 5% Deposit Scheme fact sheet (headed 1 July 2026). Retrieved .
Common questions
Can I meet Zafar in person in Melbourne?
Yes, by arrangement. Zafar is based in Melbourne. You can also talk by phone or video call, wherever you live.
Do first home buyers in Melbourne pay stamp duty?
Not on a home valued up to $600,000, if eligible. From $600,001 to $750,000 the duty is reduced.
What is the 5% Deposit Scheme price cap in Melbourne?
$950,000 for Melbourne and Geelong, the same as the Help to Buy cap. The rest of Victoria has a $650,000 cap.
Talk to Zafar
Call Zafar, request a call back or send a message. Zafar works with clients across Australia by phone and video, and meets clients in person in Melbourne.