Mortgage brokers in Ballarat
0 mortgage brokers in Ballarat, VIC 3350, who help with commercial property. The top three are ranked by BrokerScore.
Updated October 2026
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Mortgage brokers and home loans in Ballarat
4 mortgage brokers on BrokerScore are based in Ballarat or serve the area. Together they have 206 reviews with an average rating of 4.8 out of 5.
Buying your first home in Ballarat
Buy with as little as a 5% deposit without paying lenders mortgage insurance (2% for eligible single parents and legal guardians).
Victoria grants and concessions- A First Home Owner Grant for eligible new homes.
- A full duty exemption or a duty concession for eligible first home buyers, depending on the property’s value.
- Check the State Revenue Office for current amounts and thresholds.
General information only, checked 9 October 2026. Sources: 5% Deposit Scheme price caps, Victoria. Eligibility rules apply, so confirm with a mortgage broker.
Find a first home buyer mortgage broker near Ballarat →Mortgage broker Ballarat FAQs
How many mortgage brokers are there in Ballarat?
There are 4 mortgage brokers on BrokerScore based in Ballarat or serving the area, plus 13 more within 15 km.
Who are the top rated mortgage brokers in Ballarat?
By BrokerScore, the top rated mortgage brokers in or near Ballarat are Real Estate Home Loans (6.5), Loan Market Bakery Hill - Matthew Farrell (6.3) and Mortgage Choice Ballarat Central - Stephen Britton (6.2). BrokerScore is a rating out of 10 that reflects reviews and how well a mortgage broker looks after the people who contact them. Mortgage brokers can’t pay to change it.
How much does a mortgage broker cost in Ballarat?
Most mortgage brokers in Ballarat don’t charge you for a standard home loan. They’re usually paid a commission by the lender once your loan settles. Some charge a fee for complex loans, so ask upfront. Every mortgage broker must give you a credit guide that explains how they’re paid and any fees.
Should I use a mortgage broker or go straight to my bank?
A bank can only offer its own home loans. A mortgage broker compares loans from the lenders on their panel. They must act in your best interests, and they handle the paperwork through to settlement.
How do I choose a mortgage broker in Ballarat?
Compare BrokerScores and read recent reviews, check they help with your situation (for example first home buyers, refinancing or self-employed borrowers) and see which lenders they work with. Ask how they’re paid and how many lenders they’ll compare for you. You can message any mortgage broker on this page for free.