How much do I need to buy a house in Niddrie?

At Niddrie's median house price of $1.25M, you need about $323,909 with a 20% deposit: $250,000 deposit, $71,909 in stamp duty and government fees, and about $2,000 in other costs. At the median unit price of $745,000 you need about $192,747. A first home buyer at the median unit price saves $1,326 in stamp duty. These are estimates and exclude lender fees.

What income do I need to buy in Niddrie?

With a 20% deposit, a house at Niddrie's median price of $1.25M needs a loan of about $1M, which most lenders would want a household income of roughly $165,000 to $200,000 to support. A unit at the median price of $745,000 needs about $100,000 to $120,000. Existing debts, dependants and your living costs change the figure, so check your own borrowing power.

Can I meet a mortgage broker in person in Niddrie?

Yes. Our office is at 384 Keilor Road, Niddrie. Book a time and meet us there, or we can do the whole loan by phone and email if that suits you better.

How much does a mortgage broker cost?

In most cases lenders pay the broker a commission once your loan settles, so there is typically no separate broker fee for a standard home loan. If any fee ever applied to your situation, we would explain it to you upfront before you proceeded. Terms, conditions, fees and charges may apply.

Mortgage Broker in Niddrie

Our office is at 384 Keilor Road, between the tram stop and the shops. Compare 60+ lenders with a broker who can meet you around the corner.

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The Mortgage Broker on Keilor Road

Lifestyle Loans is a family-run mortgage broker based at 384 Keilor Road, Niddrie. We have helped Niddrie buyers since 2000, from first home buyers in new townhouses to families who have owned the same block for decades. We compare home loans from more than 60 lenders and manage the application through to settlement.

Niddrie sits in the City of Moonee Valley, about 11 km north-west of the CBD, with the Route 59 tram running along Keilor Road past our door. You can walk in, book a time at the office or do everything by phone.

What It Costs to Buy in Niddrie

At Niddrie's median house price of $1.25M, a buyer with a 20% deposit needs about $323,909, and repayments on the $1M loan come to about $6,125 a month.

Deposit

Purchase Costs	Median House	Median Unit
Purchase Price	$1,250,000	$745,000
	$71,909	$41,747
Other Costs	$2,000	$2,000
Total Purchase Cost	$1,323,909	$788,747
20% Deposit
Loan Amount (80%)	$1,000,000	$596,000
Total Funds Required	$323,909	$192,747
Monthly Repayment	$6,125	$3,650

Work out your own figures

What income do you need to buy in Niddrie?

With a 20% deposit, the median house needs a $1M loan. Most lenders would want a household income of about $165,000 to $200,000 to support it. For the median unit, the $596,000 loan needs about $100,000 to $120,000.

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Median prices from realestate.com.au, sales September 2025 to August 2026, a guide only and not a valuation. Owner occupier, established home, Victorian 2026-27 duty and fees, 30-year principal and interest at an example rate of 6.2% p.a. Excludes lenders mortgage insurance and lender fees. Incomes assume no other debts or dependants. The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you get in touch with us before taking out a loan so that we can provide you with advice that is tailored to your situation.