--- title: Mortgage Broker Roxburgh Park | Home Loans | GNT Finance description: Roxburgh Park mortgage broker for first home buyers, refinancers and investors in established 1990s homes near the station and Roxburgh Village. Free advice. url: https://gntfinance.com.au/mortgage-broker/roxburgh-park/ section: locations updated: 2026-09-01 author: Gorakh Timilsina, GNT Finance --- # Mortgage Broker in Roxburgh Park **In short:** GNT Finance is a Roxburgh Park mortgage broker located 12 minutes away in Mickleham. Roxburgh Park is an established 1990s and 2000s suburb where most homes fall within the first home buyer stamp duty exemption and the First Home Guarantee cap, so we arrange low-deposit first home loans, refinances for owners on old rates, and debt consolidation, with no cost to you for our home-loan service in most cases. Roxburgh Park was the north's first masterplanned suburb, laid out in the 1990s with curving streets, wetlands and its own station. Three decades on you can buy a home with a mature garden, walk to the train and still stay under the first home buyer thresholds. ## Buying in Roxburgh Park: what is different ### Housing stock The suburb is dominated by brick-veneer three and four-bedroom homes built between about 1993 and 2008, on 450 to 650 square metre blocks. Very little is being built new, so the FHOG rarely applies; the value is in the stamp duty exemption. Roxburgh Park remains among the more affordable established suburbs this close to Melbourne Airport, which suits first home buyers stretching from Glenroy and Broadmeadows, and investors chasing solid family tenants. ### Transport Roxburgh Park station sits on the Craigieburn line, around 40 minutes to the CBD. Somerton Road connects to the Hume Freeway in one direction and Mickleham Road and the airport in the other. The CBD is roughly 22 kilometres, or 30 to 40 minutes by car. ### Schools, shops and parks Roxburgh College and several primary schools serve the suburb. Roxburgh Village shopping centre covers groceries and services, and the lake, wetlands and playgrounds make it a family suburb. A growing Nepali and South Asian community lives here, particularly in the streets between the station and Somerton Road. ## Loans and grants that matter in Roxburgh Park - **Stamp duty exemption**: many established Roxburgh Park homes sit at or under $600,000, so eligible first home buyers pay no duty at all. Between $600,001 and $750,000 the concession tapers. Read our [first home buyer stamp duty guide](/guides/stamp-duty-victoria-first-home-buyers/). - **First Home Guarantee**: 5% deposit and no LMI, with the $950,000 Melbourne cap far above local prices. Our [5% deposit guide](/guides/first-home-guarantee-5-percent-deposit/) explains eligibility. - **Refinancing**: owners who bought between 2015 and 2021 often hold loans that are $150,000 to $250,000 below the home's current value. A [refinance](/services/refinancing/) can lower the rate, add an offset and release funds. - **Debt consolidation**: roll a car loan, credit cards and a personal loan into the mortgage, provided you then pay them down. See [debt consolidation](/services/debt-consolidation/). ## Worked example: first home buyers near the station A couple, one a nurse and one a warehouse team leader, buy a three-bedroom 1996 brick-veneer home in Roxburgh Park for $585,000, with $35,000 in savings. | Item | Amount | |---|---| | Land transfer duty | $0 (first home buyer exemption, price under $600,000) | | Deposit under First Home Guarantee (5%) | $29,250 | | Conveyancing, building inspection, adjustments | about $3,500 | | Lenders mortgage insurance | $0 | | Loan amount | $555,750 | | Repayment, for illustration at 6.00% p.a. over 30 years | about $3,332 per month | Without the Guarantee, a 10% deposit would mean LMI of many thousands. Try your own figures on the [mortgage repayment calculator](/calculators/mortgage-repayment/). ## How GNT Finance helps Roxburgh Park buyers Our office at 23 Astbury Crescent, Mickleham is about 9 kilometres from Roxburgh Village, a 12 minute drive up Mickleham Road or Pascoe Vale Road. Gorakh Timilsina meets Roxburgh Park clients at the office, at your home in the evening, or by phone and video for people on airport or hospital rosters. Gorakh worked as a senior credit officer before founding GNT Finance, so he assesses your application the way a lender will before it is submitted: how your overtime, penalty rates and any family tax benefit will be counted, whether a recent car loan will hurt. Nepali-speaking clients can go through every document in Nepali. ## Nearby suburbs we also serve Roxburgh Park borders [Greenvale](/mortgage-broker/greenvale/), [Craigieburn](/mortgage-broker/craigieburn/) and [Broadmeadows](/mortgage-broker/broadmeadows/). We also help buyers in [Mickleham](/mortgage-broker/mickleham/), [Glenroy](/mortgage-broker/glenroy/) and [Sunbury](/mortgage-broker/sunbury/). ## Frequently asked questions ### Can I buy in Roxburgh Park with a 5% deposit? Yes, if you are an eligible first home buyer under the First Home Guarantee: an Australian citizen or permanent resident, 18 or over, planning to live in the home, and not having owned property in Australia in the last 10 years. On a $585,000 home that is a $29,250 deposit plus costs, with no LMI and no stamp duty. ### Is it worth refinancing a Roxburgh Park loan of $400,000? Usually, yes. Moving a $400,000 loan from 6.60% to 6.00% p.a. saves around $155 a month over 30 years, and many lenders now charge little or nothing to switch. If your loan is small relative to the home's value, you will also qualify for the sharpest rates, which are reserved for borrowers under 80% LVR. ### Does an older Roxburgh Park home cause valuation problems? Rarely. Roxburgh Park homes are conventional brick-veneer on standard blocks with plenty of comparable sales, so valuations usually land at contract price. Problems only arise with unpermitted extensions, converted garages used as bedrooms, or dual-occupancy claims the zoning does not support. ### I have a car loan and two credit cards. Can I still get a home loan? Often, but they cut your borrowing capacity. Lenders count 3% to 4% of each credit card limit as a monthly expense whether you use it or not, and a car loan repayment comes straight off servicing. We may recommend reducing limits or consolidating the car loan before applying. ## Talk to GNT Finance Roxburgh Park is one of the best value established suburbs in Melbourne's north, and the right loan makes it more affordable still. Call Gorakh on 0426 403 703 or [Book a free consultation](/contact/) and we will confirm your grants, deposit and borrowing in one meeting.