How much deposit do I need to buy my first home in Bendigo?

With the 5% Deposit Scheme, you can buy with as little as 5% of the purchase price, as long as the home is under the $650,000 regional cap. You’ll also need some savings for costs like conveyancing and building and pest inspections.

Does it cost anything to use a mortgage broker?

Our service is usually free for first home buyers, as we’re paid by the lender once your loan settles. We’ll tell you upfront if any fees apply.

Can I use the 5% Deposit Scheme and the stamp duty exemption together?

Yes, if you’re eligible for both. Many Bendigo buyers also add the First Home Owner Grant when buying or building a new home.

I’m self-employed or on casual income. Can I still buy?

Yes. Some lenders are more flexible than others with these incomes, and finding the right one is a big part of what we do.

How long does pre-approval take?

It varies by lender, and usually takes a few days to two weeks once we have your documents.

Call 0417 151 999

About Robinson Finance

Robinson Finance is a family owned and operated mortgage broking business, led by Shane Robinson. From our office in East Bendigo, we assist clients across Australia.

Call 0417 151 999

Meet Shane Robinson

Shane is a CPA with more than 20 years of experience as an accountant, and has worked as a mortgage broker since 2022. His accounting background gives him a detailed understanding of tax returns and business financials, which is particularly valuable for self-employed borrowers and property investors.

Shane works with first home buyers, refinancers, property investors and business owners, arranging home loans, car finance and commercial finance. He gives clear, straightforward advice and is upfront about what is achievable.

CPA · MFAA and FBAA member · Credit Representative Number 540354

Shane Robinson, CPA-qualified mortgage broker at Robinson Finance, East Bendigo

Credentials and Recognition

Shane is a member of CPA Australia, the MFAA and the FBAA, and was named Purple Circle Financial Services' Rising Star winner in 2023.

Purple Circle Financial Services Rising Star winner 2023

Carly Robinson, Administration Manager at Robinson Finance, Bendigo

Meet Carly Robinson

Carly is our Administration Manager and leads the marketing side of Robinson Finance. She manages our social media, email communication and online presence, including the guides and resources we share with home buyers.

Carly also assists with file administration, helping keep each application organised from first enquiry through to settlement.

Our approach

Every loan begins with a detailed discussion of your goals and circumstances. We assess your income, savings and plans, then compare loans from over 40 lenders to identify the most suitable option.

As a family business, we provide a personal service, and Shane manages your application directly from the initial consultation through to settlement. Mortgage brokers are required by law to act in their clients' best interests. We will always explain the reasons for our recommendation before you proceed.

Following settlement, we review your loan regularly to make sure it remains competitive.

Based in Bendigo, serving clients Australia-wide

Our office is at 68 Powells Ave, East Bendigo, where clients can meet with us in person.

We also work with clients throughout Australia by phone, video call and email, with the same level of service wherever you are buying.

First home buyers in Bendigo (and Victoria) can find details of the 5% Deposit Scheme, stamp duty concessions and the First Home Owner Grant in our Victorian first home buyer guide.

Supporting the Bendigo community

Shane has been involved in Bendigo cricket for more than 25 years and is a life member of Sandhurst Cricket Club.

He has also been involved with Spring Gully United Soccer Club for more than seven years.

Robinson Finance sponsors both clubs, as well as the Bendigo District Cricket Association junior competition.

Shane is also involved with the Bendigo District RSL, where he served as Treasurer for more than 10 years.

Frequently Asked Questions

Who owns Robinson Finance?

Robinson Finance is a family-owned and operated business, led by mortgage broker Shane Robinson, a CPA with more than 20 years of accounting experience.

Do you only work with clients in Bendigo?

No. We meet Bendigo clients in person and assist clients throughout Australia by phone, video call and email.

How many lenders do you work with?

We have access to over 40 lenders, including the major banks and specialist lenders.

Do you arrange commercial finance?

Yes. We arrange finance for business owners, including commercial property loans, business loans and equipment finance. Shane's accounting background is particularly useful when lenders need to assess business financials.

Is Robinson Finance licensed?

Yes. Shane Robinson (Credit Representative Number 540354) and CSBC Finance Pty Ltd (Credit Representative Number 540349) are credit representatives of Purple Circle Financial Services Pty Ltd, Australian Credit Licence 486112. Shane is a member of both the MFAA and FBAA, the professional associations for mortgage brokers.

Is there a cost to use Robinson Finance?

Our service is generally provided at no cost to home loan clients, as we are paid a commission by the lender when your loan settles. Any fees that apply will be disclosed upfront.

Talk to Shane

Call 0417 151 999 or message us using the form. We’ll get back to you as soon as we can.

Robinson Finance, 68 Powells Ave, East Bendigo VIC 3550, [email protected]

Call 0417 151 999

First Name *

Last Name

Phone *

Email *

What can we help with?

Message (optional)

I agree to Robinson Finance contacting me by phone, SMS and email about my enquiry. Reply STOP to opt out.

I’d like to receive occasional updates and offers from Robinson Finance. I can unsubscribe at any time.

Bot protection

This information is general in nature and doesn’t take into account your objectives, financial situation or needs. Eligibility criteria, terms and conditions, fees and charges apply. Scheme details and price caps are current as at October 2026 and may change.

Shane Robinson (Credit Representative Number 540354) and CSBC Finance Pty Ltd ABN 87 638 582 896 (Credit Representative Number 540349) are credit representatives of Purple Circle Financial Services Pty Ltd ABN 21 611 305 170 Australian Credit Licence Number 486112.