Buying or refinancing in Victoria?
The schemes, stamp-duty thresholds and journey paths that apply to Victoria buyers, current as of May 2026. Median dwelling value: $830,000 (-0.9% year-on-year).
Stamp duty steps from 1.4% to 5.5% with a premium 6.5% above $2,000,000. Foreign-buyer surcharge 8%.
Calculate stamp dutyNew homes (regional VIC up to $20,000 periodically).
Read the FHB grant guideMelbourne dwelling values are roughly flat year-on-year, with apartment values down materially while houses are mixed.
Victoria home loansEvery Victoria scheme that actually moves the maths.
Federal + state schemes that Victoria first-home buyers and owner-occupiers can stack. Confirm eligibility against the relevant revenue office before signing a contract.
Where Victoria borrowers are buying.
Sub-markets vary widely on price-to-income, rental yield and growth. Use the regions below as starting points; the journey paths below cover the structural decisions.
- Melbourne metro
- Geelong
- Ballarat
- Bendigo
- Mornington Peninsula
Melbourne dwelling values are roughly flat year-on-year, with apartment values down materially while houses are mixed. Investor demand is muted by the 7.5% land-tax surcharge introduced in 2024.
Sequenced for Victoria borrowers.
The journey paths below are the most relevant starting points for a Victoria buyer. Each is a sequenced article series with calculators and FAQs.
Eight stages from “maybe I’m ready” to keys in hand, with the schemes, numbers and costs explained without the broker pitch.
Start hereFive stages on selling first vs buying first, how much equity you really have, bridging finance, and the settlement timing most agents won’t walk you through.
Start hereSix stages on land-and-build, off-the-plan and new-build paths, including the construction loan mechanics and the sunset-clause traps that catch most buyers.
Start hereThe VIC shortlist.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.