- Level 2
1/3 Janefield Dr
Bundoora VIC 3083 - Monday to Friday
8:30 AM – 6:00 PM - Call Us Now
1300 188 808
Blutin Finance is an independent mortgage broker based in Bundoora, serving Epping and the rest of Melbourne’s northern suburbs. Epping VIC 3076 sits about 21 kilometres north of the CBD, and it’s one of the busiest patches we work. We have access to 45+ lenders, from the Big Four banks to non-bank specialists, and over 95% of the applications we submit get approved.
Epping is really two markets sharing one postcode, and that changes the kind of help people here need. Established Epping is older, settled, and equity-rich. Epping North is a growth corridor full of first home buyers building from scratch. A broker who understands both sides, and the lenders that suit each, is worth more here than a one-size-fits-all bank.
Because Epping runs at two speeds, the people we work with fall into a few clear groups.
On the established side, we help long-term owners who’ve built equity and want to refinance, release some of it, or upgrade to a bigger home. In Epping North, we help first home buyers and young families getting into a unit, a townhouse, or a house-and-land package. We also work with investors weighing up Epping’s rental returns, and with growing families who need to line up a sale and a purchase at the same time.
Whatever the situation, the job is the same: find the lender whose policy actually fits you, and tell you the truth about where you stand before anything goes in.
Nojan Rahimi is the principal broker at Blutin Finance. He has 14+ years in finance, including 8+ years as a specialist mortgage broker, with a background in corporate banking and SME lending before founding Blutin in 2018.
He’s MFAA-accredited and operates as Credit Representative 511410 of Connective Credit Services (Australian Credit Licence 389328), under the Best Interests Duty that has applied to brokers since 1 January 2021. That duty is a legal obligation to act in your interests, not the lender’s.
In Epping, that plays out as two quite different conversations. With established-Epping owners, it’s usually about equity and whether refinancing or upgrading stacks up. With Epping North buyers, it’s about deposits, schemes, and getting a first loan approved without nasty surprises. Nojan handles both directly, from the first meeting through to settlement.
Epping’s two-speed market is the thing to understand before you borrow here.
Established Epping is the older, settled side: family homes, longer-term owners, and a lot of built-up equity. The average length of ownership in the suburb is about 13 years, which is why so many Epping conversations are about refinancing and equity rather than a first purchase.
Epping North is the growth corridor: new estates, house-and-land, and younger families buying their first home. The suburb’s population is around 33,500 and has grown roughly 3.4% over five years, and the area is slated for thousands more homes under the Victorian Government’s Epping Activity Centre Plan 2025.
Here’s how the numbers sit:
Demand stays steady because the infrastructure is there. The Northern Hospital is a major local employer, Pacific Epping is one of the north’s largest retail centres, Melbourne Polytechnic anchors education, and Epping Station connects the suburb to the city on the Mernda line.
A house in Epping costs noticeably less than the inner-Melbourne equivalent, which is a big part of the suburb’s appeal. With a median sale price around $745,000, the deposit and loan maths are within reach for a lot of buyers who’d be priced out closer to the city.
A 20% deposit on a $745,000 home is about $149,000. You can buy with less, but once your deposit drops below 20% of the price, most lenders charge Lenders Mortgage Insurance, which protects the lender, not you, and adds to your upfront cost.
Whatever your deposit, lenders have to test your repayments at an interest rate 3 percentage points above the actual rate you’d pay. That’s APRA’s serviceability buffer, and it’s why two people on the same income can be approved for very different amounts depending on their other debts. The quickest way to get a realistic figure is our borrowing power calculator , then a meeting to check it against real lender policies.
Scheme figures current as of June 2026 — confirm with the State Revenue Office Victoria before you commit
Epping is one of the more realistic suburbs in Melbourne’s north for a first home, especially if you start with a unit or townhouse. Entry-level units and townhouses sell from the low $400,000s, which sits under the $600,000 threshold where eligible Victorian first home buyers pay no stamp duty at all. Above that, a concession applies on a sliding scale up to $750,000.
If you’re after a brand-new home, Epping North’s house-and-land packages are a common first-buyer path into the growth corridor. New-build and off-the-plan buyers may qualify for the Victorian First Home Owner Grant, currently $10,000 on new or off-the-plan homes valued up to $750,000, and sometimes for additional off-the-plan concessions, so it’s worth checking what applies to your purchase with the State Revenue Office Victoria
There are federal schemes too, like the First Home Guarantee, which lets eligible buyers purchase with a 5% deposit and no LMI. The schemes interact, and the right combination depends on your situation, so it’s worth a read through our first home buyers guide and a conversation about which ones you qualify for. If your deposit’s short, a guarantor arrangement can sometimes bridge the gap.
If you’ve owned in established Epping for a while, there’s a good chance you’re sitting on real equity. With an average length of ownership around 13 years, plenty of local owners bought well before recent price growth and now have options.
Refinancing can mean a sharper rate, switching from interest-only to principal and interest, or restructuring as your situation changes. Releasing equity can fund a renovation, consolidate higher-interest debt, or help with a deposit on the next place. How much you can access depends on your property’s current value and the lender’s maximum loan-to-value ratio.
If the plan is to use that equity for an investment, the lending side is ours to sort, but the tax and ownership structure is a conversation for your accountant. That’s their lane, not ours. We’ll handle the part we’re qualified for and tell you plainly where the line is.
Scheme figures current as of June 2026 — confirm with the State Revenue Office Victoria before you commit
Epping’s rental numbers are part of why it draws investors. As of June 2026, houses rent for a median of about $550 a week, for an indicative gross yield near 3.9%, while units and townhouses rent from roughly $450 to $575 a week, for an indicative yield around 5.0%. Steady rents and a growing population underpin demand.
Investment lending works differently from owner-occupier lending. Loan-to-value caps are often tighter, serviceability is assessed across your whole position, and the choice between principal-and-interest and interest-only changes both your repayments and your borrowing capacity. Those are the levers we work with.
What we don’t do is advise on negative gearing, depreciation, or how to hold the property. That’s your accountant’s or financial adviser’s lane, not ours. We make sure the finance is right and coordinate with them on the rest.
Blutin Finance isn’t owned by a bank, and we’re not tied to a single lender’s products. We compare across 45+ lenders to find the one whose credit policy fits your situation, which matters more in a suburb like Epping where buyers range from cashed-up upgraders to first-timers with thin files.
Most Australians have worked this out: brokers wrote 76.7% of all new home loans in the December 2025 quarter (MFAA Quarterly Market Share . The reason is simple. A bank can only offer you its own products. A broker can put your situation in front of the lender most likely to say yes, and is legally bound by the Best Interests Duty to act in your interests while doing it.
Before any application goes to a lender, we do a thorough Honest Assessment. We check your income, equity, serviceability and structure against the credit policies of the lenders that suit you, so you know where you actually stand before anything is submitted.
If the numbers don’t work yet, we tell you. That’s The Quick No, and it’s deliberate. We don’t submit applications to be declined, because every application leaves an enquiry on your credit file and a quick no doesn’t. Sometimes the most useful thing a broker can do is tell you to wait, and show you what to fix first. That discipline is why over 95% of the applications we submit get approved.
It starts with a 30-minute first meeting, no cost and no obligation. We talk through what you’re trying to do, run the numbers, and tell you honestly whether it’s a yes, a not yet, or a quick no.
From there, one broker handles your loan end to end, from lodging the application through to settlement. No call centre, no being passed around. Our office is at Level 2, 1/3 Janefield Drive, Bundoora VIC 3083, a short drive from Epping, and we’re available Monday to Friday, 8:30 AM to 6:00 PM on 1300 188 808.
Epping sits in the middle of the patch we cover, alongside neighbours like Lalor, Mill Park, South Morang, Wollert, Mernda and Thomastown. Our home base is the Bundoora flagship , and we also have a dedicated page for Tullamarine in Melbourne’s north-west. Wherever you are across Melbourne’s northern suburbs, the service is the same.
Yes. Blutin Finance is an independent mortgage broker based in Bundoora, a short drive from Epping, working across Epping VIC 3076 and the rest of Melbourne’s northern suburbs. We have access to 45+ lenders, from the major banks to non-bank specialists, and over 95% of the applications we submit get approved. You don’t need a broker with a shopfront in Epping to get local service; you need one who knows the northern-suburbs market and the lenders that suit it.
There’s no single income figure, because it depends on your deposit, your other debts, and the interest rate you’re assessed at. Lenders also have to test your repayments at a rate 3 percentage points above the actual rate you’d pay, which is APRA’s serviceability buffer. As a guide, houses in Epping sell for around $745,000 (CoreLogic, June 2026), so a 20% deposit is about $149,000 and borrowing the rest means showing you can comfortably service it at the buffered rate. The honest way to get your number is to run it through a borrowing power calculator, then book a meeting so we can check it against real lender policies.
Often, yes, especially if you’re open to a unit or townhouse. Entry-level units and townhouses in Epping start from the low $400,000s (CoreLogic, June 2026), which sits under the $600,000 threshold where eligible Victorian first home buyers pay no stamp duty. Houses are dearer, with a median around $745,000, but Epping North’s house-and-land packages give first home buyers a way into a brand-new home in the growth corridor. First home buyers can also access schemes like the First Home Guarantee and the Victorian First Home Owner Grant, and we’ll walk you through which ones you qualify for. Confirm current scheme figures with the State Revenue Office Victoria before you commit.
Usually, yes, if you’ve built enough equity and can service the larger loan. The average length of ownership in Epping is about 13 years (CoreLogic, June 2026), so a lot of established-Epping owners are sitting on real equity they can use to renovate, consolidate debt, or buy an investment. How much you can release depends on your property’s current value and the lender’s maximum loan-to-value ratio. If the plan involves an investment or a tax structure, that part is a conversation for your accountant; the lending side is ours. Start with a quick chat and we’ll tell you what’s realistically available.
In most cases, no. Brokers are paid by the lender, not by you. The upfront commission is typically 0.35–0.70% of the loan amount, paid by the lender at settlement, and trail commission is typically 0.10–0.20% per year of the outstanding balance. It’s all disclosed in writing in the Credit Proposal Document before you proceed, so there are no surprises. If a particular situation ever called for a fee, you’d know well before anything was signed.
It depends on the lender and how straightforward your situation is. A clean, well-documented application with a major bank can be approved in as little as a few hours; a more complex case, such as self-employed income or a specialist lender, can take a few weeks. Across our work, approval timelines run from about 4 hours to 4 weeks. The biggest delay is usually missing documents, so the more complete your paperwork is up front, the faster it moves.
If you’re buying, refinancing, or investing in Epping, the next step is a quick conversation. Book a 30-minute first meeting online, or call us on 1300 188 808. No cost, no obligation, and you’ll leave knowing exactly where you stand.
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