Your local Mortgage Brokers & Home Loan Experts in Nunawading, Blackburn, Mitcham, Vermont & Surrounds

Call: 03 9813 3522

Our team at Mortgage Choice Nunawading & Blackburn take the hard work out of finding the right loan at the right rate from over 35 lenders. Our free home loan service means that we'll do all the research & legwork, managing the home loan process on your behalf.

Call Us Mortgage Choice Canterbury
Office - 03 9813 3522
Fax - 03 9813 3544

Open Hours Mortgage Choice Canterbury
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
Free Appointment

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Servicing Nunawading, Blackburn, Mitcham and surrounding suburbs.

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Your local Mortgage Broker Nunawading & Blackburn team

The Mortgage Broker Nunawading team are focused on finding the best outcome for you - and not the lender. We have over 35 leading lenders on our panel and thousands of home loans. We'll narrow down your choices to a selection of handpicked home loans that will suit you best.

Amount: We look at what you could borrow and which lender is most likely to approve your application.
Policy: We go through policies lender by lender to find a great lender who fits you and not the other way around.
Best rate & features: We focus on which lenders have a great rate at the moment, and who will give you the best features on your new loan.
Speed: We look at turnaround times and when you want to have pre-approval for your loan.
Our home loan service is free because your lender pays a commission when your loan settles.

We do all the legwork

While we can save you money on your home loan, it's no small feat to say that we can also save you a significant amount of time. The Mortgage Broker Nunawading team will sit down to complete all your application paperwork, liaising with the lenders for you and providing any additional documents they require.

Get straight advice on your home loan

We love helping anyone who would like more information & support on the home loan journey. We can help you via video or phone, or in-person at a time & place that suits you best!

Contact the Mortgage Broker Nunawading & Blackburn team on 03 9813 3522 or request a call back below.

Call 03 9813 3522

^{The Mortgage Broker Nunawading team service the areas of Box Hill, Box Hill North, Blackburn, Blackburn South, Forest Hill, Mitcham, Vermont South & Nunawading.}

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Nunawading, Blackburn, Mitcham, Vermont and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with us to discuss your unique circumstances.

With us, you're never a loan

The home loan process

When is the right time to refinance?

Our home loan videos

The right home loan for your needs

Our mission is to find the right home loan for your individual needs and to always have your best interests at heart. Plain and simple. Which is why we have such a wide range of lenders to choose from. We can search through hundreds of products to find something tailored to your situation. ~

Client reviews

Geoff and the team at Mortgage Choice Camberwell have been extremely helpful in purchasing our first house. They have made the whole process smooth and efficient as well as providing plenty of advice. They made sure we got a really great interest rate and always responded promptly to any questions we had. We can't recommend them highly enough!

Dave B
28 November 2022

We used Geoff and the team at Mortgage Choice for our first home and they made the process as easy as possible. They are honest and take the time to explain things. We’ve contacted them for other things over the years and they are always helpful and responsive. Recommend

Meagan Williams
28 November 2022

Helped us through buying our first home from start to finish. Matt was excellent at guiding us through the process, and the team's networks quickly dealt with any problems that arose. Would 100% recommend.

Haydon Bakker
28 November 2022

Geoff & his team were absolutely amazing to deal with and made being a first home buyer very easy and straight forward. Always ready to answer any questions from initial meeting to settlement of our property. Cannot recommend Geoff enough, thank you so much for everything!

Lajka Strandby Nielsen
28 November 2022

As a potential first home owner, Matt and the team were fantastic at breaking everything down and explaining the buying process for someone who is new to it all. Can’t thank them enough for all the work they put in and effort to get the best deal on my loan. Would highly recommend to anyone looking to enter the market!

James Hall
28 November 2022

As a first home buyer, I wasn't sure whether to seek the assistance of a mortgage broker or go about finding a loan by myself. However, I am so glad that I decided to work with Mortgage Choice Whitehouse. Not only did they perform a comprehensive assessment to make sure they found a product that would suit me, but were always readily available and willing to answer any questions throughout the entire journey. A special thanks to Matt Pyers for all his assistance!

Cara
28 November 2022

As a first home buyer, I wasn't sure whether to seek the assistance of a mortgage broker or go about finding a loan by myself. However, I am so glad that I decided to work with Mortgage Choice Whitehouse. Not only did they perform a comprehensive assessment to make sure they found a product that would suit me, but were always readily available and willing to answer any questions throughout the entire journey. A special thanks to Matt Pyers for all his assistance

17 June 2022

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

Download now

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Calculate

You could borrow up to

Repayments
/ month
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Based on standard variable rate over years.

Start the pre-approval process

The borrowing amount is a guide only. Loan repayments are based on the lowest interest rate (either standard variable or 3-year fixed rate, owner occupier) from our lender panel over a repayment period of 30 years. Rates and repayments are indicative only and subject to change. The results from this calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.

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Over

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There's a lot to consider when choosing the right loan.

The lowest interest rate from our lender panel is either standard variable or 3-year fixed for an owner-occupier. Rates and repayments are indicative and subject to change. The results from this calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.

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Total fees:

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Extra Information

Home Buyer Concession Scheme

From 1 July 2019, the FHOG ACT has been replaced with exemptions on stamp duty. The stamp duty exemption is applicable to all properties in ACT, including vacant residential land and both new and established homes at any price. As this is still to aid first home buyers, to be eligible at least one buyer must live in the home for at least 12 months, starting within 12 months of settlement or completion of construction.

To be eligible, first homeowners in the ACT must have a household income below $160,000. This number increases up to $176,650 depending on the number of children you may have.

Click here for more information on the ACT First home Owner Grant.

Stamp duty concessions in NSW

From 1 August 2020, the NSW government has announced that stamp duty will not be applicable to first home buyers for properties valued up to $800,000 and vacant land valued up to $400,000. This stamp duty exemption will be in place for 12 months to 31 July 2021, in which the stamp duty exemptions will revert back to $650,000 for homes and $350,000 for land.

Additionally, a concessional rate of duty will apply to homes valued more than $800,000 but less than $1,000,000 and vacant blocks of land valued more than $400,000 and less than $500,000

How much is the First Home Owners Grant NSW?

The FHOG in NSW is worth $10,000 however conditions apply. To be eligible, your first home must have a total value below $600,000, and be either newly constructed or ‘substantially renovated’. A home is substantially renovated when most or all of the original house was removed or replaced, and it’s the first time the place has been sold, and lived in, after the renovations were completed.

If you plan to build a new home from scratch, you can still be eligible for the FHOG in NSW as long as your land plus the home you build have a combined value of less than $750,000.

Click here for more information on the NSW First Home Owner Grant.

How much is the First Home Owners Grant in the NT?

The First Home Owner Grant in NT is $10,000. Your income and the price of your home don’t affect the FHOG NT, and the grant is available if you buy or build a new house, apartment, duplex or townhouse.

As of 30 June 2021, there are currently no stamp duty concessions for first home buyers in NT.

Previously the Territory’s First Home Owner Discount was in place from 8 February 2019 to 30 June 2021. It let you save up to a maximum of $18,601 on the cost of stamp duty. The savings were available whether you purchased a new or established home as long as the home was valued under $650,000.

Click here for more information on the NT First home Owner Grant.

How much is the First Home Owners Grant QLD?

As a first home buyer in Queensland you could be entitled to the $30,000 First Home Owner Grant. To be eligible, you need to buy a brand new home or build a home from scratch with the total value (including the land) below $750,000. You may also be eligible if you buy off the plan or an established home that’s been substantially renovated.

As a guide, substantial renovations include replacing or altering foundations or replacing or altering floors. Cosmetic work such as painting the walls or sanding floors doesn’t add up to a substantial renovation when it comes to the FHOG in QLD.

Stamp duty concessions

If you’re buying vacant land to build your first home, you pay zero stamp duty as long as you pay $250,000 or less for your block. Concessions are available for vacant land valued above $250,000 and up to $400,000. Whereas if your first home is valued up to $500,000, you pay zero stamp duty. That’s a saving of $7,175 which is the maximum stamp duty rebate available to first home buyers in QLD.

Additionally, savings on stamp duty may still be available if you pay between $500,000 and $550,000 for your first home. As a guide, if your first home is worth $530,000, you pay stamp duty of $6,300 a saving of $3,500. These savings cut out altogether if your first home costs $550,000 or more.

Click here for more information on the QLD First home Owner Grant.

How much is the First Home Owners Grant SA?

There are currently no specific stamp duty concessions available for first home buyers in SA.

The $15,000 FHOG in South Australia is only available to first home owners who buy a new home. You can choose from a house, apartment, townhouse or villa.

You will only be able to claim the FHOG SA if you pay below the following amounts for your home:

Before 14 June 2023: $575,000
After 15 June 2023: $650,000

You can also claim the First Home Owner Grant in South Australia when you buy a block of vacant land to build your first home on. However, the end value of your building plus land must be no more than $575,000.

Click here for more information on the SA First home Owner Grant.

Stamp duty concessions in TAS

If you buy an established home, you are not eligible for the FHOG in Tasmania but you may be able to claim savings on stamp duty. If you’re home is valued at

$400,000 or less, you will receive a 50% discount on the property transfer duty (stamp duty).

How much is the First Home Owners Grant TAS?

The FHOG Tasmania is worth $30,000 until 30 June 2022 but only when you buy or build a new home. Off the plan purchases are also eligible. In Tasmania, there is no limit on the purchase price of the property, and the FHOG is not means tested.

Click here for more information on the TAS First home Owner Grant.

Stamp duty concessions in VIC

First home owners in Victoria don’t pay stamp duty at all on their first home as long as the property is valued below $600,000. You may still be eligible for savings on stamp duty if you pay between $600,000 and $750,000 for your first home. The stamp duty concessions available in Victoria apply to both established and new homes.

How much is the First Home Owners Grant VIC?

The FHOG Victoria is only available if you buy a newly built home or if you choose to build a home from scratch. The FHOG is worth $10,000 if you build/buy in Victoria.

Your first home can be a house, townhouse, apartment, or unit but it must be valued at $750,000 or less, and it must be a new home – being sold as a home for the first time, and less than five years old.

Click here for more information on the VIC First home Owner Grant.

Stamp duty concessions in WA

If you buy vacant land to build your first home, you’re exempt from paying stamp duty as long as you don’t pay more than $300,000. If you pay between $300,000 and $400,000 you will be entitled to a reduced rate of duty.

If you buy a home costing up to $430,000, no stamp duty is payable at all. If the value of your home is between $430,000 and $530,000, you’ll be entitled to a reduced rate of stamp duty. There are no additional concessions for homes valued above $530,000 and land valued above $400,000.

How much is the First Home Owners Grant WA?

The FHOG WA is worth $10,000 when you buy or build a brand new home. There are limits on what you can pay for your first home to be eligible for the FHOG in Western Australia.

If you’re located south of the 26th parallel, which basically covers all the Perth metropolitan area, you can claim the FHOG WA if your new home is worth up to $750,000 – this includes the value of the land plus buildings.

If you buy or build a home north of the 26th parallel, the property must be valued up to or below $1 million to be eligible for the FHOG WA.

The First Home Owner Grant in Western Australia is no longer available if you buy an established home however you may be able to claim stamp duty savings.

Click here for more information on the WA First home Owner Grant.

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Your local Mortgage Brokers & Home Loan Experts in Nunawading, Blackburn, Mitcham, Vermont & Surrounds

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