XLOANS — mortgage broking

Mortgage broker Brunswick

Buying, refinancing or investing in Brunswick? XLOANS works across 3056 — terraces and cottages off Sydney Road, converted factories and a deep apartment market. We compare 40+ lenders and do the legwork for free.

Why Brunswick buyers use a local broker

Brunswick's stock ranges from heritage cottages and warehouse conversions to new apartments along the Upfield corridor and Sydney Road. Lender appetite follows the property, not the suburb: small units, unusual titles and unrenovated period homes all have lenders that love them and lenders that won't touch them.

We match the property to the right lender first time, so you don't burn credit enquiries on banks that were never going to approve the building.

Brunswick lending insights we act on

  • Apartments around the $545,000 median sit inside the Victorian duty concession — a genuine first home buyer suburb this close to the city.
  • Warehouse and factory conversions: size, zoning and title quirks rule out some lenders; we know which ones stay in.
  • Unrenovated cottages: can be valued short if flagged for works — upfront valuations de-risk your offer.
  • Strong rental demand from the CBD commute and Sydney Road amenity supports investor serviceability.

What we help Brunswick locals with

  • First home buyer apartments with duty concessions and the 5% deposit scheme.
  • Period home purchases and renovation finance.
  • Refinancing to sharper rates or to release equity.
  • Investment loans for units and townhouses close to transport.

Free, local and lender-paid

Our service is free to you — we're paid by the lender and we disclose it. You get genuine inner-north lending knowledge at no cost and no obligation.

One point of contact manages your application, valuation and settlement end to end, whether you're buying in Brunswick, Coburg, Carlton North or Parkville.

The Brunswick property market

Brunswick is one of Melbourne's most in-demand inner-north suburbs, mixing Victorian and Edwardian houses on tree-lined streets with a fast-growing apartment market along Sydney Road and the Upfield line. Demand from first home buyers and young families keeps competition strong, while new apartment stock can attract tighter lender policy on smaller floor plans. As a local broker we know which lenders value Brunswick's period housing and which are comfortable with its newer developments.

Brunswick property prices & market data

Indicative median prices, rents and growth for Brunswick (3056) over the 12 months to mid-2025. Figures are a guide only and move with the market.

Property typeMedian price12-mth growthMedian rentGross yield
Houses$1,180,0002.4%$700/wk3.1%
Units / apartments$545,0001.6%$500/wk4.8%

Example purchase costs in Brunswick

Worked examples for a first home buyer, an upgrader and an investor — based on an indicative 6.00% p.a. variable rate over 30 years, principal & interest. Your real numbers depend on your situation and lender.

First home buyer

$545,000

Unit/apartment in Brunswick · 5% deposit

Deposit (5%)
$27,250
Loan amount
$517,750 (95% LVR)
Stamp duty (VIC), after FHB concession
$0
Lenders Mortgage Insurance
$0 (5% scheme)
Cash needed upfront
$30,250
Est. repayment
$3,104/mo

Within the Victorian first home buyer concession and the 5% deposit scheme cap.

Upgrader

$1,180,000

House in Brunswick · 20% deposit

Deposit (20%)
$236,000
Loan amount
$944,000 (80% LVR)
Stamp duty (VIC)
$64,900
Lenders Mortgage Insurance
$0
Cash needed upfront
$303,900
Est. repayment
$5,660/mo

Median Brunswick house with a 20% deposit to avoid LMI.

Investor

$545,000

Unit/apartment in Brunswick · 20% deposit

Deposit (20%)
$109,000
Loan amount
$436,000 (80% LVR)
Stamp duty (VIC)
$27,770
Lenders Mortgage Insurance
$0
Cash needed upfront
$139,770
Est. repayment
$2,614/mo

Apartment near the Upfield line let at the suburb median rent.

Estimates only and not financial advice. Stamp duty uses indicative VIC rates and first home buyer concessions; the 5% deposit scheme (First Home Guarantee) waives LMI where the price is within the cap and you qualify. Verify your exact costs with a XLOANS broker or our purchase cost calculator.

Find us & the area we serve

XLOANS works with buyers, refinancers and investors right across this area and greater Melbourne.

Talk to a local broker

Book a free 15-minute chat

Pick a time that suits you and an XLOANS broker will call to talk through your home loan options — no cost, no obligation.

Pick a time (Mon–Fri, 9am–5pm AEST)

Mortgage brokers in nearby suburbs

We work across the whole metro area — here are the neighbouring suburb guides.

Frequently asked questions

This page is general information only and not financial advice. Lending criteria, rates and government schemes change — speak to an XLOANS broker for advice tailored to your situation. XLOANS is a Melbourne-based mortgage broking service.

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