Award Winning Mortgage Brokers & Home Loan Experts | Mortgage Choice Bayside & Beaumaris

Call: 03 9589 1329

With over 40 years’ combined experience our team in Brighton will become your financial guides, taking you step-by-step through life's big moments.

Call Us Mortgage Choice Beaumaris
Office - 03 9589 1329
Fax - 03 9589 5879

Open Hours Mortgage Choice Beaumaris
8am to 10pm, Monday to Friday
Free Appointment

Mobile Broker

Servicing Bayside and surrounding suburbs.
Ph: 9589 1329
*Home Loans
* Investment
*Refinance

You're in great hands...

With the team at Mortgage Choice Bayside and Beaumaris, Andrew and Jacqui Kerr provide over 40 years of combined finance experience.

Our goal is to have clients for life, so we have set our service standards high to ensure our clients keep coming back. And so far so good!

There's been a lot of interest rate movements lately so we encourage you to please call us today on 9589 1329 to book in your Free Home Loan Health Check just so that we can check you're still on a competitive rate .

With over 40 years’ combined experience our team will become your financial guides, taking you step-by-step through life's big moments.

We are local to Brighton, Brighton East, Hampton, Hampton East, Moorabbin, Bentleigh, Bentleigh East, McKinnon, Ormond and Heatherton. We also assist clients from anywhere across Bayside and greater Melbourne.

5 simple steps make your next loan easy

Mortgage Choice Bayside saves you time, hassle and cost with a clear 5-step process

We take time to understand your needs
We filter through the hundreds of available home loan options from dozens of Australia's leading banks and lenders
We pinpoint the loan(s) most suited to your needs - you make the final choice
We work alongside you from application to settlement to ensure a hassle-free, seamless loan process
You'll have the benefit of our support over the long term to ensure your loan continues to meet your needs if your circumstances change.

5 reasons why to choose us

1. WIDE CHOICE OF HOME LOANS

When you choose Mortgage Choice to help you find your new loan it's like having 20 of Australia's leading banks and lenders all competing for your business

We pinpoint the loan(s) most suited to your needs - you make the final decision.

2. CONVENIENCE

One of our experienced mortgage brokers will meet with you at the time and place that best suits you to establish your home loan needs and preferences. We do all the research and manage every step of the application process for you.

3. SAVE MONEY

Our exclusive use of Mortgage Choice's Loan Qualifier software helps us identify the most suitable home loan for you. This could help cut the current interest rate you are paying, as well as reduce your mortgage fees and monthly repayments.

4. PROFESSIONAL HOME LOAN ADVICE

We are experienced professionals - fully trained and accredited with every lender we represent. Our brokers are members of the Mortgage & Finance Association of Australia, and we keep abreast of Australia's ever-changing financial services industry by enrolling in educational courses, attending seminars, and reading the financial news.

5. THERE IS NO CHARGE FOR OUR HOME LOAN SERVICE

Our home loan service is free of charge because the lenders pay us.

We offer specialist financial solutions

Commercial - we have a range of solutions for business finance and commercial property.

SMSF borrowing - if you’d like to add some property to your self-managed super fund, rest assured, we work closely with a number of business partners offering financial advice, accountancy services, and access to property around the country.

Vehicle and equipment - leasing and personal loans for all your personal and business needs from a large range of providers

Reverse mortgages - we make it simple for you to access your home equity after retirement, without having to downsize your home.

Get the right home loan for your needs

Call the team at Mortgage Choice in Bayside today on 03 9589 1329, (remember we are also happy to come to you).

AU18+ only. Ends 6/12/24 11:59pm AEDT. Limit 1 entry per person. State/Territory prize groups: NSW/ACT, VIC/TAS, QLD, WA, SA/NT. T&Cs apply, see http://www.mortgagechoice.com.au/win-30k/. Mortgage Choice Pty Ltd ACN 009 161 979 (Australian Credit Licence 382869) and Smartline Operations Pty Ltd ACN 086 467 727 (Australian Credit Licence 385325) are owned by REA Group Ltd.

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've been dealing with Aaron, Jacqui and Andrew for about a year now with a new home loan and a loan refinance. Throughout the whole time, everyone has been very professional and responsive. With my home settlement, Aaron was able to resolve an issue my own solicitor wouldn't bother explaining. And on the refinance, Jacqui was great in following up and compensating for Bank of Melbourne's incompetence. I highly recommend to any people looking for a new loan or refinancing.

Hugh
04 June 2023

From the start to the end of my journey with Aaron Jacqui has been immaculate. As a first home builder they made the process super easy and explained everything in great detail.

Aaron has been super helpful answering my questions and leading me to the right path anytime of the day.

Id highly recommend Aaron to anyone looking to get a loan out as i will definitely be back

Chantelle
18 April 2023

Aaron and Jacqui made refinancing unbelievably easy Professional, knowledgeable and great to deal with. It is the second time I have gone to them and I will again when need.

Lee
07 March 2023

Thank you Aaron and Jacqui for your creative solution to helping us build our new home. As always your service and professionalism is impeccable. We could not have done it without you. Thank you

Glen
01 March 2023

The most helpful team. Super friendly and quick to respond. Took their time to explain all options to me and made sure I was comfortable with every choice. Highly recommend

Emma
15 December 2022

Thanks Aaron Jaqui,
Very professional Pleasant experience working with the mortgage Choice Team Port Melbourne, Very professional AAA Service received regular ongoing updates any questions explained, easy to contact and replies quickly very efficient had very happy client so would easily recommend to friends and family.

Richard
01 December 2022

A big Thank You to Aaron, Jacqui and the Mortgage Choice team for their support and guidance while navigating the refinancing process. They assisted us all the way through the process, and I would highly recommend them for all mortgage relevant challenges and information.

Alexandra
26 October 2022

Excellent service again

Daniel
17 October 2022

Very good service, they did the work and allowed me to get on with everything else Very responsive and kept me informed.

Cassie
28 July 2022

Aaron and Jacqui and the team at Mortgage Choice are amazing to deal with They looked after us from the beginning and I would highly recommend them, thanks again for everything

Nick
27 July 2022

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You could borrow up to

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/ 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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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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Need help with your next home purchase?

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.

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