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VIC29 July 2026Market Analysis

VIC Mortgage Rate Movements & Insights for 2026

Explore the latest rate trends across VIC, including options for first home buyers, investors, and refinancing in 2026. Get expert advice today.

Victoria's dynamic property market continues to evolve, with mortgage rates fluctuating but remaining competitive in 2026. Whether you're a first home buyer or an experienced investor, understanding current rate trends is essential to making informed decisions. Suburbs like Bendigo, Brighton, and Essendon offer unique opportunities for homeownership and investment. As the market shifts, exploring options such as refinancing or leveraging the borrowing power calculator can help optimise your financial position.
  • Rate Trends in VIC: Starting from 5.99% p.a. in March 2026, mortgage rates are gradually stabilising with slight fluctuations across regions.
  • Investment Property Loans: Investors near Dandenong VIC are exploring investment property mortgage options to capitalise on growth areas in 2026.
  • Best Rates for Self-Employed: The best mortgage rates for self-employed in Essendon VIC 2026 are becoming more accessible with tailored lending solutions.
  • First Home Buyers: The First home buyer 5% deposit scheme in Sunbury VIC 2026 is supporting many to enter the market despite rising rates.
  • Refinancing Opportunities: Many homeowners in Bendigo VIC are considering refinance my property in Bendigo VIC with low rates 2026 to optimise their mortgage repayments.
  • Investor Rates in Geelong: The best mortgage rates for investors in Geelong VIC in 2026 are attractive for those expanding their portfolios.

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RegionStarting Rate (p.a.)Key Features
Victoria (overall)5.99%Stable, competitive rates for various loan types
Dandenong VICfrom 5.99%Investment-focused options available
Essendon VICfrom 5.99%Specialised rates for self-employed
Sunbury VICfrom 5.99%Support for first home buyers via 5% deposit scheme
Bendigo VICfrom 5.99%Refinance options with low rates
Geelong VICfrom 5.99%Best rates for investors seeking growth
For detailed comparisons and to estimate stamp duty costs, visit our stamp duty calculator and explore your borrowing options today.
  1. Review your current mortgage and consider refinancing to secure the best rates available in 2026.
  2. Use our borrowing power calculator to understand your borrowing capacity.
  3. Research specific loan options tailored for investment property or first home purchase in VIC suburbs like Sunbury and Bendigo.
  4. Consult with a mortgage broker to identify the best mortgage rates for investors in Geelong VIC in 2026 and for self-employed clients in Essendon VIC.
  5. Explore government schemes such as the First home buyer 5% deposit scheme in Sunbury VIC 2026 to maximise your purchasing power.
As mortgage rates continue to stabilise around the 5.99% p.a. mark in March 2026, now is an ideal time to review your options and optimise your property finances. Whether you're looking to buy your first home, upgrade, or refinance, our team at homelending.au can guide you through tailored solutions. For personalised advice and to explore the latest mortgage products, book a consultation today. Don't forget to check our comprehensive First Home Buyers Guide for helpful tips on entering the VIC property market.

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