Mortgage brokers in Belmont servicing Cloverdale, Cannington & Surrounds

Call: 08 9277 9888

Looking for your first home? Maybe use the equity in your current home to refinance or purchase your first investment property? Talk to us, your local mortgage broker and finance experts servicing Cloverdale, Belmont, Cannington, Victoria Park plus many more! Contact us on 08 9277 9888

Call Us Mortgage Choice Cloverdale
Office - 08 9277 9888

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

Address

Belmont Business Centre, Unit 5, 226 Fulham Street CLOVERDALE, WA 6105

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Start your home loan journey today

Expert home loan advice!

We are your local mortgage brokers servicing Belmont, Cannington, Victoria Park plus many more!

With over 13 years experience in the finance industry, the team at Mortgage Choice in Belmont can find the right home loan for you.

Our team are proudly customer first focused and we’ll help you work towards you home owning goals.

We don’t charge to find the right loan for you. We are paid by the lender once your loan settles. In some limited circumstances we may charge a fee, which would be discussed with you before proceeding.

What does a mortgage broker do?

When you meet with our team of mortgage brokers, we’ll take the time to understand your individual circumstances and your goals to find the right home loan for your needs. We can help you with:

Purchasing your first home
Upgrading your home – whether you’re looking to sell your original home and need a bridging loan or you are looking to use equity in an existing property to purchase a new one.
Building a new home. We can also help with any building grants you may be eligible for
Refinancing your current loan to make sure you still have the right loan for your situation
Investment Loans to help you build your portfolio
Personal & Car Loans
Commercial Loans
Debt Consolidation

We'll come to you

Our team of mortgage brokers in Belmont are mobile, which means we can meet with you at a convenient location of your choice - right across Perth.

Pick up the phone today and speak to us on 08 9277 9888.

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 us to discuss your unique situation.

Helping buyers achieve their homes

We understand a Mortgage Broker's primary focus is to present lending options that are suited to the needs.

We will guide you through the application process with constant and constructive communication, from the signing of a contract through to settlement.

The high standards of service, ethics and care are supported by regular testimonials received from satisfied clients.

When you engage with our services you will be dealing with a person that wants your business and respects your business.

What we offer first home buyers

Whether it be a purchase or a refinance, what an exciting time to research buying your first home. There is still an amazing amount of initiatives available to you as a first home buyer either through your State or Federal Government.

Whether it is a Stamp Duty concession, the First Home Loan Deposit Scheme or even the First Home Super Saver Scheme.

There genuinely are no silly questions when buying your first home and one of my key roles in this process is to empower you with the knowledge to confidently pursue that dream of home ownership.

Refinancing and consolidating

Why are people so on being loyal to their Bank?
The excitement around saving money in the supermarket or 2 for 1 sales at a retail outlets pales in comparison to the savings that can be made on the interest for your home loan.

In most cases, Australians are simply just content and don’t like change but if that change can save you hundreds of dollars are month is it not worth exploring?

Refinancing and even debt consolidation is a discussion that homeowners should have every 2 to 3 years. The competition among Banks is only growing stronger with cash rebates and discounted interest rates becoming the norm. Let my team help you navigate the move between Banks to leave more money in your pocket.

Investment properties

Financial freedom is a common goal for any Australian family and a way of achieving this could be through purchasing Real Estate. Finance is the key conduit to being able to buy one or multiple investment properties. The structuring of the loans and the selection of the right Bank to suit you is so very important. Don’t fall into the trap of cross-collating your family home with your investment property because it is the path of least resistance. A broader discussion needs to be had with all potential property investors to understand the complexity of structuring investment loans.

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

I recently had the privilege of working with Aaron from Mortgage Choice to assist his client in finding a property.
Aaron is an absolute pleasure to working with, prompt with responding and always has his clients best interest in mind when providing mortgage broker services.
I cant recommend Aaron enough and look forward to working together again

Niki
19 November 2024

Great service from Andrew and Maycon. They got us a product that suited our needs at a very competitive rate. We are repeat customers and once again highly recommend their services.

Shaun
18 November 2024

Very efficient team with ongoing communication and advise.
thank you.

Marica
29 October 2024

Excellent communication all along the process, would highly recommend

Marc
16 October 2024

I had a wonderfull experience with Mortgage Choice, Gabriel Canini was the broker that follow me and he was always clear in explain me all my best financial opportunities. Thanks to Gabriel and to Mortgage Choice team I was able to finally get a bank approval, also they assisted me during the process of buying a house. I want to recommend Mortgage Choice and especially Gabriel. Thanks for your work guys.

Vale
09 October 2024

Excellent service. Contactable any time. Helpful will all aspects on buying a home.

Billy-jo
04 October 2024

We had a fantastic experience working with Leanne and Tahlya from Mortgage Choice. Leanne provided excellent communication throughout the entire process, making everything smooth and stress-free. She was not only friendly but also highly professional, ensuring we felt supported and informed at every step. We couldn't have asked for a better broker to guide us through our mortgage journey. Highly recommended

George
04 October 2024

Aaron Brewer was very patient with me throughout the entire process and always very responsive always within a few hours, even on weekends. Id work with him again.

Clara
04 October 2024

Aaron and brandan made the whole home buying process a breeze. Friendly and professional service. Highly recommend

Jacob
20 September 2024

Aaron and Brandan have been a pleasure to deal with throughout my home loan process. They are responsive, knowledgeable, friendly, gave me all of the info I needed and are always available to chat. I would highly recommend and will be using them again in future.

Jessica
12 September 2024

Refinancing guide

If you’re thinking about refinancing, this guide can help you learn more about the refinancing process, benefits and options available.

Download now

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You could borrow up to

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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.

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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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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.

From 09 May 2024, if you buy a home costing up to $450,000, no stamp duty is payable at all. If the value of your home is between $450,000 and $600,000, you’ll be entitled to a reduced rate of stamp duty.

There are no additional concessions for homes valued above $600,000 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.