Finance Broker VIC | Car, Home & Business Loans
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Serving Victoria

Finance Broker VIC: Car, Home & Business Loans

Melbourne clients and regional Victorians get exactly the same process from me, a straightforward call or video chat, then a comparison across my full lender panel.

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Reviewed by Jonathan Al Aaraj · October 2026

Buying your first home in Victoria

First Home Owner Grant$10,000 for an eligible new home anywhere in Victoria (not just regional areas), subject to a $750,000 price cap
Stamp duty reliefFull stamp duty exemption on homes up to $600,000, and a concessional rate between $600,000 and $750,000
Federal First Home Guarantee5% deposit, no LMI, with its own price cap for Melbourne and regional VIC. No income cap or place limit since 1 October 2025.

Source: sro.vic.gov.au (FHOG and stamp duty) and firsthomebuyers.gov.au (First Home Guarantee) · Last checked: October 2026.

Car finance in Victoria

Victoria charges motor vehicle duty based on the vehicle's value and type (a lower rate applies to zero and low-emission vehicles). [TODO: confirm the current VIC motor vehicle duty rates and EV concession with the State Revenue Office before quoting a figure.]

If you're cross-shopping an EV, the lower duty rate can shift the maths more than people expect, so it's worth checking before you decide between two cars.

Business finance in Victoria

Victoria's economy centres on finance, manufacturing and education in Melbourne, with strong agriculture through the Goulburn Valley and Western District, and logistics along the Hume corridor. A dairy or horticulture operation in the Goulburn Valley needs a very different lender to a logistics business on the Hume Freeway, and I've got relationships across both.

Areas I help across Victoria

From Melbourne out to the Goulburn Valley and the Western District, here's where I regularly work with clients:

  • Melbourne
  • Geelong
  • Ballarat
  • Bendigo
  • Shepparton
  • Mildura
  • Warrnambool
  • Wodonga
  • Traralgon

A recent VIC client

[TODO: a real story from Victoria]
Swap this for a genuine, anonymised VIC client outcome once you have one on hand, not a made-up example.

VIC finance questions

$10,000 for an eligible new home, anywhere in the state, not just regional Victoria, as long as the home is valued under $750,000. Source: sro.vic.gov.au, checked October 2026.
No. It closed to new applications on 1 October 2025 and was merged into the First Home Guarantee, which now has no income cap and no limit on the number of places. Regional buyers use the same scheme as everyone else now.
Yes. It comes down to your ABN history and income, not your postcode. I'll match you to a lender that assesses self-employed income fairly.
The same as anywhere, a balloon reduces your monthly repayment but leaves a lump sum due at the end. We size it to what you can actually manage, not just whatever gets the repayment down.
Yes. Investment lending is assessed differently, rental income treatment and serviceability buffers vary by lender. I'll explain what that means for your borrowing power before you commit to anything.

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Whether you're in Melbourne or regional Victoria, I run the same honest comparison across 40+ lenders either way.

See also: Home Loans · Car Finance · Business Finance · Mortgage Broker Melbourne
Also Serving
Ready to get started?
Melbourne or regional VIC, the only thing that changes is the postcode on the form.
Call 0422 101 112 info@corelend.au
VIC Finance Broker

Structure first.
Rate second.

Melbourne clients and regional Victorians get exactly the same process from me, a straightforward call or video chat, then a comparison across my full lender panel.

Call 0422 101 112 Email Me