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Credithub Australia Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Credithub Australia, Mortgage brokers, 108/22-42 Wallace Avenue, Point Cook.

Australia's Trusted Online Mortgage (Finance) Broker, With over 20 years of experience and Advance Online platform provides cheapest rate and exceptional service at one place.

Your credit card balance is $0. But it could still affect how much you can borrow. 👀Many lenders consider your credit ca...
16/10/2026

Your credit card balance is $0. But it could still affect how much you can borrow. 👀

Many lenders consider your credit card limit, not just what you owe, when assessing your borrowing capacity.

Planning to apply for a home loan? Reducing your limit or closing an unused card may help, depending on the lender’s policy.

That’s where Credit Hub comes in.

✔️ 20+ years in lending
✔️ 52 lenders on our panel
✔️ $1 billion+ in loans settled

The lender pays us a commission, so there’s no cost to you. Lending decisions are subject to the lender’s own assessment.

📞 1300 782 944
🌐 credithub.com.au/refinance-home-loans/

General information only. Your individual circumstances have not been taken into account.

Credit Hub helps families across Melbourne’s western suburbs.



{credit card limit, home loan borrowing capacity, mortgage broker Melbourne, refinance home loans, home loan eligibility}

You agree on a price. The lender sends its own valuer, the number comes back lower, and suddenly your deposit has to cov...
09/10/2026

You agree on a price.

The lender sends its own valuer, the number comes back lower, and suddenly your deposit has to cover the gap.

It's most common on new builds and in growth areas, and far easier to plan for than to fix in settlement week.

The good news?

Understanding how a lender may value a property before you sign can help you plan ahead, rather than face unexpected costs during settlement week.

At Credit Hub, we help you understand what to consider before committing to a property.

With 20+ years in lending, 52 lenders on our panel and $1 billion+ in loans settled, we’re here to help you make informed decisions.

📞 1300 782 944
🌐 credithub.com.au/first-home-buyer-loans/

General information only, it doesn't take your situation into account.

Credit Hub is a mortgage broker helping families across Melbourne's western suburbs.



{lender property valuation, first home buyer loans, property valuation gap, home loan deposit, mortgage broker Melbourne, Melbourne western suburbs}

When did you last give your home loan a health check? 🏡The RBA has increased the cash rate target from 4.35% to 4.60%. I...
01/10/2026

When did you last give your home loan a health check? 🏡

The RBA has increased the cash rate target from 4.35% to 4.60%. If you have a variable home loan, check whether your lender is changing your interest rate or repayments.

Here’s what to review:

✅ Your current rate and monthly repayments
✅ Whether your loan features still suit your needs
✅ The costs and potential benefits of refinancing

Credit Hub can help you understand your options and assess whether your home loan still works for you.

📌 Save this checklist for your next loan review.

Book a Loan Health Check with our team.
📞 1300 782 944
🌐 credithub.com.au

General information only. Suitability depends on your individual circumstances. Lending criteria, fees and charges apply.

A steady income is only part of your first-home loan story. 🏡Lenders also look at your spending, existing repayments and...
30/09/2026

A steady income is only part of your first-home loan story. 🏡

Lenders also look at your spending, existing repayments and regular financial commitments.

Before you apply:
✅ Review your everyday expenses
✅ Declare all debts, including buy now, pay later
✅ Be ready to explain transfers on your bank statements

Preparing for your first home? Speak with Credit Hub about your next steps.

📞 1300 782 944
🌐 www.credithub.com.au

Save this checklist for when you’re ready to apply.



{first home buyer Australia, first home loan, home loan application, borrowing capacity, home loan eligibility, mortgage broker, Credit Hub}

Building your dream home? Your construction loan doesn’t usually get paid out all at once.Construction loans are typical...
24/09/2026

Building your dream home? Your construction loan doesn’t usually get paid out all at once.

Construction loans are typically released in stages as your build progresses, from the builder deposit and slab/base through to framing, lock-up, fit-out and completion.

💡 Because interest is generally charged on the amount drawn, your repayments can increase as more funds are released.

Planning a build?

Understanding how progress payments work can help you prepare your finances from the start.

📩 Comment “BUILD” for the progress payment guide.

📞 1300 782 944
🌐 www.credithub.com.au



{construction loans australia, construction loan progress payments, building a home, home loan australia, mortgage broker}

$1 BILLION+ in loans settled. But what does that mean for your next move? 👀 Whether you're buying your first home, upgr...
14/09/2026

$1 BILLION+ in loans settled.

But what does that mean for your next move? 👀

Whether you're buying your first home, upgrading, refinancing, investing in property or growing your business, the right loan starts with understanding how much you can actually borrow.

Your borrowing capacity depends on more than just your income. Your expenses, existing commitments, debts and financial goals all play a part.

💡 Want to know where you stand before you start looking?

Contact us now

📞 1300 782 944
🌐 credithub.com.au



{home loans Australia, mortgage broker Australia, borrowing capacity, refinancing, property investment, business loans, loan broker}

Buying your first home in Melbourne’s West? 🏡 You could be eligible for 3 major benefits. ✅ First Home Guarantee: Buy wi...
08/09/2026

Buying your first home in Melbourne’s West? 🏡 You could be eligible for 3 major benefits.

✅ First Home Guarantee: Buy with a 5% deposit without LMI, if eligible.
✅ Stamp Duty Relief: No duty up to $600K, with concessions up to $750K.
✅ $10K First Home Owner Grant: Available for eligible new homes up to $750K.

The best part? More than one may apply to the same purchase.

Eligibility rules apply, so check what you qualify for before you start house hunting.

💬 Comment “START” and our team will reach out.



{first home buyer Melbourne, Melbourne West, first home buyer grants, First Home Guarantee, stamp duty Victoria}

A smaller deposit could help you get into your home sooner. 🏡 Eligible buyers may be able to purchase with a deposit of ...
24/08/2026

A smaller deposit could help you get into your home sooner. 🏡

Eligible buyers may be able to purchase with a deposit of 5%, subject to scheme and lender eligibility criteria. But your deposit is only one part of the picture - your income, existing debts, expenses and borrowing capacity still matter.

Credit Hub can help you understand your options and assess what may work for your circumstances.

📞 1300 782 944
🌐 www.credithub.com.au

Eligibility criteria, lending requirements and terms apply.



{5% deposit scheme, first home buyer, home loan, borrowing capacity, mortgage broker Australia}

The cash rate may be on hold, but your home loan doesn’t have to stay on autopilot.It could be a good time to review you...
17/08/2026

The cash rate may be on hold, but your home loan doesn’t have to stay on autopilot.

It could be a good time to review your current rate, repayments and available options to see whether your loan still suits your circumstances.

Credit Hub can help you compare home loan options across 52+ lenders.

📞 1300 782 944
🌐 www.credithub.com.au



[cash rate, home loan review, refinancing Australia, mortgage options, home loan repayments, mortgage broker Australia]

Don't let headlines make your business decisions. The proposed $20,000 instant asset write-off isn't law yet. Before inv...
10/08/2026

Don't let headlines make your business decisions.

The proposed $20,000 instant asset write-off isn't law yet. Before investing in a work vehicle or equipment, make sure your finance is structured the right way.

With access to 52+ lenders, Credit Hub helps Australian businesses find finance that fits.

📞 1300 782 944
🌐 www.credithub.com.au



{Work vehicle finance, business vehicle loan, equipment finance Australia, commercial vehicle finance, instant asset write-off, business lending}

Address

108/22-42 Wallace Avenue
Point Cook, VIC
3030

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

Telephone

+611300782944

Website

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