Jodie Skelton - Mortgage Broker in Moonee Ponds, Essendon, Airport West & surrounds

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Call: 0409 190 497

With 30 years’ lending experience, Jodie Skelton has an outstanding knowledge of lending products and structures, which is a great resource for her clients. Friendly and approachable, Jodie takes the time to find out what her clients are hoping to achieve, so she can find a lending solution to suit their needs. Her top priority is to give all clients 100 per cent of her attention, and she has won multiple industry awards for excellence in customer service.

Jodie is based in Moonee Ponds and is mobile in all areas.

Call Us Mortgage Choice Essendon North
Mobile - 0409 190 497
Office - 0409 190 497

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

Address

Suite 28A, 82 Keilor Road ESSENDON NORTH, VIC 3041

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Services

Working with all borrowers from first home buyers to seasoned investors, Jodie offers genuine, honest advice to help you understand your options, and will guide you through the process from start to finish.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)

Other areas I service

Jodie combines high-level professional expertise with a true understanding of the borrowing process from the clients’ perspective, to help you secure a great result without the stress.

She is based in Moonee Ponds and can assist clients in the surrounding areas.

Taylors Lakes
Taylors Hill
Keilor
Hillside
Keilor East
Kealba
Avondale Heights

What is your borrowing power?

When you're ready to purchase your property, it's important to have a good understanding of how much you can borrow. We know that finding out how much you can borrow for a property can be a bit confusing, which is why we have some great resources at your disposal.

Feel free to check out our easy to use home loan calculators here or get in touch with Jodie to discuss your unique situation.

Ready to start your home loan journey with our help?

Find out for yourself why my customers are so happy. I'll make your next purchase an easy one.

Call Jodie on 0409 190 497. today.

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

Highly recommend, great service and very efficient.

Matti
16 April 2024

Jodie has been instrumental in the process of buying my first home. She is full of knowledge and makes what is a daunting task doable. Her commitment and positivity throughout the whole experience makes such a difference. I cannot recommend her highly enough

Thanks Jodie

Alira
05 April 2024

We really weren't sure if we even had options for refinancing our home loan, however Jodie helped us source a far more competitive interest rate. She was absolutely incredible, super efficient and is a great clear communicator. We highly recommend and look forward to working with Jodie again in the future.

Stacey
25 February 2024

Couldn't recommend Jodie highly enough. As first home buyers her guidance was invaluable - not just with the mortgage, but also house hunting, tips pitfalls to look out for, dealing with auctions and agents, all the way through to settlement. Thanks so much

20 February 2024

Jodie Skelton is enthusiastic, highly knowledgeable, efficient and very dedicated to helping others she went well beyond her role to help me secure my first home She made time out of her schedule, even after hours, to give me advice and detail the steps I needed to take to achieve this milestone. She answered all my questions in a straightforward way, which made it easier for me to understand what I needed to do. Thank you so much Jodie

Christine
24 January 2024

Jodie has assisted us with the purchase of our family home and investment properties over the last decade. On each occasion her market knowledge, financial acumen and wealth of experience has been invaluable. Jodie's professionalism and quality of service is exceptional. Always the first call I make when considering a potential purchase. Cannot recommended Jodie highly enough.

21 January 2024

Thank you Jodie for the quick, professional and knowledgeable service 1010 I'd recommend to friends and family.

Roger
09 January 2024

Not only was Jodie a pleasure to work with, but she was also excellent in getting us a very competitive rate.

David
15 December 2023

Id recently been through a separation when I was recommended Jodie and her team at mortgage choice for finding the best deal for my situation. Jodie went all out and with me being 3 hours from Melbourne it didnt pose any problems. I could ring and always get a timely response to even the dumbest questions. I would recommend Jodie Skeleton and her team at mortgage choice for your next property purchase. Im truly thankful for the work they did for me.

Wayne
14 November 2023

Jodie was a fantastic mortgage broken from start to finish who genuinely had our best interests at heart.
For a very complicated loan Jodie was able to make the process smooth and easy.
We highly recommend Jodie and will definitely be using her in the future if we need to Could not rate her more highly

Ally
12 November 2023

Refinancing guide

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

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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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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.

Jodie Skelton - Mortgage Broker in Moonee Ponds, Essendon, Airport West & surrounds

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