Mortgage Broker Northcote

Looking for a mortgage broker in Northcote? I'm Glen Stokes, and I've spent more than 18 years helping people across Melbourne's north secure the right home loan. I'm based on Plenty Rd in Reservoir and work with buyers, families and investors throughout the 3070 postcode.

As a broker, I work for you, not the bank. I compare home and commercial loans from more than 50 lenders, handle the paperwork and negotiations, and guide you from first chat to settlement with one point of contact the whole way through.

Why Northcote buyers use a mortgage broker

Northcote is one of the most tightly contested markets in Melbourne's north. Victorian terraces and Edwardian homes from Westgarth to the High Street strip draw strong auction crowds, and prices to match. Buying here usually means a bigger loan, tougher competition and less room for error on finance.

At this end of the market, loan structure matters as much as the rate: how your deposit and equity are used, whether an offset account fits, and which lender will actually value the property the way you need. Knowing which lender suits which property, and which will look most favourably on your situation, is exactly what a broker brings to the table. Instead of walking into one bank and getting one answer, you get a comparison across the market and a recommendation based on your circumstances.

First home buyers in Northcote

Northcote is a stretch for many first budgets, but first home buyers still land here, often in units and townhouses off the main strips. I'll walk you through the whole process in plain English: how much you can borrow, the government schemes you may be eligible for (including the First Home Guarantee and Victorian stamp duty concessions), and getting pre-approved so you can bid with confidence at auction, which is how most Northcote homes are sold.

There's no charge for any of this. As a broker I'm paid by the lender you choose, so my service is free to you, and I'm upfront about commissions if you ever want to see them.

Upgrading or refinancing in Northcote

Plenty of my Northcote clients are upgraders: growing families moving to a bigger home while holding or selling their current one. I can structure bridging finance, equity release and the timing between the two so the move doesn't fall over. And if you're staying put, a home loan health check takes about 15 minutes: I compare your current rate against 50+ lenders and tell you honestly whether refinancing is worth it. With Northcote values where they are, many owners have more equity than they realise.

Investing in Northcote

Northcote's rental demand, lifestyle strip and proximity to the city make it a blue-chip choice for investors. I help investors structure investment loans for tax effectiveness and future borrowing power, working alongside your accountant or financial planner where needed. That includes interest-only structures, equity release from an existing property, and loans for purchases through a self-managed super fund.

Not sure where to start? Try my free calculators to check your borrowing power, stamp duty and repayments, then give me a call.

Nearby? I also help buyers and homeowners in Preston, Reservoir, Thornbury and Coburg, and right across Melbourne's northern suburbs.