Steve Pilling Mortgage Broker serving Palmyra, Melville, Fremantle & surrounds

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Call: 0418 914 027

Steve is a highly experienced mortgage broker with a breadth of knowledge that is hard to beat – his expertise extends across lending, small business, accountancy and property investment.

Steve can assist all borrowers and offers his services well beyond settlement. Steve is committed to assisting his clients in an ongoing capacity, to help them create a secure financial future.

He offers a fully mobile service in all suburbs of Perth, WA.

Call Us Mortgage Choice Palmyra
Office - 0418 914 027

Open Hours Mortgage Choice Palmyra
Monday - Friday: 9:00am - 6:00pm
After hours by appointment
Free Appointment

Mobile Broker

Mobile Broker servicing Palmyra, Melville, Fremantle & surrounds

Latest home loan interest rates

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Services

Honest advice, reliable service, and comprehensive expertise in all areas of lending. Steve can help you access a well-structured finance solution and will guide you through each step of the borrowing process.

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

A little more about my service

Steve can assist all borrowers, including first home buyers, investors and business owners. With professional experience in small business, accountancy and property investment, he can offer additional support throughout your purchasing process.

His mortgage broking business is based in Palmyra, in the southern suburbs of Perth, and he offers a mobile service across the area.

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 Steve 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 Steve on 0418 914 027 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

My ability to obtain a home loan was somewhat problematic given my age and being self employed - and various banks had made that point clear. Steve was fantastic - got everything sorted - explained everything clearly. It was very convenient that he came to my home to get all the paperwork signed. I went from offer to keys in hand in three weeks thanks to Steve and his relationship with the bank - would highly recommend to others looking for a hassle free mortgage process.

Lynnett
11 February 2023

I have had Steve Pilling help me out with finances for well over a 10 year period. He is always friendly, punctual and very helpful in finding the best options that suit my individual goals. I highly recommend Steve and his excellent service.

Brock
23 November 2022

I found Steve to be a very nice person to deal with, he knows what he has to do and gets it done in a speedy and professional manner. I would highly recommend him to friends and family.

Goran
08 November 2022

Great communication with quick response & replys. I’ve always delt with Steve as he has always gone above & beyond to help out with our finances.
Genuine & friendly bloke too.

Rodney
01 November 2022

Steve has helped us with our finances for approx 20 years now & don't know what we would do without him as dealing directly with the banks is a tedious process. Thanks again Steve.

Peter
17 October 2022

Brilliant service very prompt and answered all my messages and emails straight away. Very professional and very happy with his service.

Wayne
06 July 2022

Steve is always ready to assist with any questions and provided updates and information that the bank failed to clarify. Steve was able to liberate me from a loan which a previous lazy broker had signed me up to which had seen me paying excess interest for 12 years!

Emma
20 March 2022

Steve went above and beyond to help us with our finance solution. I absolutely recommend him to anyone looking for an honest, reliable, productive and efficient Adviser.

Sacha
16 March 2022

Steve is extremely helpful. Always responds to any queries put forth. He is knowledgeable and experienced in his field. We appreciate all his efforts and assistance in getting us to our new home.

Omar
18 February 2022

Steve was an amazing adviser throughout the whole process of purchasing my first property. I was able to get a great loan and Steve kept me informed during every step, making the whole process stress free!

Katelyn
19 January 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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I'm looking to borrow for

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Dependants

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My monthly income before tax

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My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

Calculate

You could borrow up to

Repayments
/ month
Expenses
Remaining

Based on standard variable rate over years.

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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.

Value of property

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Type of dwelling

Type of property

First Home Buyer?

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Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
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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.

Steve Pilling Mortgage Broker serving Palmyra, Melville, Fremantle & surrounds

Start your home loan journey today

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