Mortgage broker Mickleham, Donnybrook & Doncaster

Call: 0415 066 261

Team Sunchit & Sunit are thrilled to be your mortgage brokers in the Mickleham, Donnybrook and Doncaster area! They are passionate about finding you a loan, so don't hesitate to reach out.

Call Us Mortgage Choice Mickleham
Office - 0415 066 261

Open Hours Mortgage Choice Mickleham
Monday - Friday: 9:00am - 5:00pm
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Mortgage brokers in Mickleham, Donnybrook, Doncaster & Kalkallo

Your mortgage brokers in the Mickleham region, Sunchit Khera along with Sunit Kapur, are dedicated to finding you a stellar loan that aligns with your values. With over 30 years of combined experience in the finance sector, you can rely on Sunchit and Sunit to get the results that you need from your home loan. A strong focus on building and maintaining genuine relationships is the cornerstone of their work as brokers. For Sunchit, nothing is more fulfilling than being able to help his clients achieve their long-held home ownership goals, and he loves to use his advanced problem-solving skills to create a personalised solution to any challenges that arise.

Both Sunchit and Sunit are fluent in Hindi, and Sunit is also fluent in Punjabi. When not at work, you can find Sunit enjoying time outdoors and travelling.

Why work with a mortgage broker?

When you work with Sunchit and Sunit, you gain access to hundreds of different loans from a wide variety of lenders - without the hassle of having to sort through and compare them. Your mortgage broker will listen carefully to your needs and objectively recommend the best choice to put your best foot forward. They also promise to

Communicate clearly and proactively
Take care of all your paperwork
Answer all of your questions honestly
Offer you valuable and transparent advice

And you receive all these benefits at absolutely no cost! Finding and securing the right home loan doesn’t have to be a headache with Sunchit and Sunit as your mortgage broker team - simply chat with them today to learn more about all your loan options.

Contact Team Sunchit and Sunit to start reaching your property goals

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Frequently asked questions

Is a fixed rate or variable rate better?

Fixed and variable rate loans each have their own benefits and downfalls, and the answer will ultimately depend on your personal goals and lifestyle factors. Wider economic factors can also come into play. If you prefer having certainty about your repayments, then a fixed rate can be beneficial to your budget, but if you are looking to utilise features like an offset account, then a variable rate may be the way to go.

When is the right time to buy?

The ‘ideal’ time to buy any property is when you feel financially ready and prepared. Sunchit and Sunit, as your Mortgage Choice brokers in Mickleham, can help you assess your situation and provide you with information about your borrowing power, guiding you to make informed decisions about your future. If you are considering buying a home, it’s never too early to get in touch with them for more information.

What is LMI?

Lenders mortgage insurance, otherwise known as LMI, is an additional cost that you will incur if your deposit is less than 20% of the property purchase price, so the lender can consider your loan secure. While the cost of LMI is usually unwelcome, there are several ways to avoid it, including using a guarantor. To learn more about guarantors, check out our free guide.

Your guide to guarantors

We can assist you in finding a home loan around Mickleham, Donnybrook, Kalkallo, Templestowe, Doncaster & Vermont.

Call Team Sunchit & Sunit on 0415 066 261 to start the home loan process

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. ~

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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.