Dean Calver and Angelina Calver Mortgage Brokers in Geraldton Midwest Region and surrounds

Facebook

Call: 08 9964 4770

Principals Angelina Calver, Dean Calver and the team at Mortgage Choice Geraldton pride themselves on providing a stress-free experience for clients, ensuring they find the right loan to suit each client's personal circumstances.

Angelina and Dean, are pioneers of mortgage broking in Geraldton, starting in business way back in January 1996. With their dedicated team, they can help you with finance for just about anything.

Call Us Mortgage Choice Geraldton
Office - 08 9964 4770

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

Address

67B Forrest Street GERALDTON, WA 6530

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

Start your home loan journey today

Services

Trusted lending advice from the team who understand the financial needs of borrowers across our region. We’ll help you make smart decisions that align with your current situation and will deliver great results for your finances in the long term.

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

A little information about our service

Angelina and Dean and their team have a vast knowledge of the loan product market, and every client benefits from their experienced, personalised guidance and excellent negotiation skills. Over the years they have helped hundreds of people achieve their home ownership dreams and investment goals.

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 the team at Geraldton to discuss your unique situation.

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

Both Angelina and Holly have made our process easy and effortless. They both helped and guided us as was our first time and Ange went over and above to get our loan over the line.

Ellerby
11 August 2022

The staff , in liding tash, were very helpful, freindly and welcoming, and very helpful with some online signing issues l was having. Went well and above, thank you very much. Andy Thompson.

Andrew
09 August 2022

The guidance and support my partner & I had with buying our first home together was great. Also the pressure and amount of work leading up to settlement was made so much easier and more relaxing with the group of people assisting us with buying our first home.

Ashley
20 July 2022

Fantastic service from the whole team! Thank you

Paul
13 July 2022

Angelina went above and beyond and made the dream of a second home come true absolute champ

Robert
30 June 2022

Would definitely recommend smartline. Angelina and Holly were always willing to help will any questions

Sarah
25 June 2022

Angelina met all our expectations plus some with the finance timelines and availability for contact throughout the process to achieve the next stage of our lives with our new home.
This is the second time we have dealt with Angelina and on both occasions she has proven to be a brilliant broker for helping us achieve home ownership.
Thank you Angelina for being amazing.

Susannah
23 June 2022

The team at Smartline were fabulous. I tell everyone if they want to buy their first forever home, go speak to them. Also Holly Montgomery was a gem to deal with.

Renae
09 May 2022

Angelina and Dean go above and beyond to help dreams come alive. This is the third house we have purchased and as always our first point of contact is Smartline Geraldton with our questions of is this doable, what do we need etc. Without their advice many many years ago we would not have been able to achieve what we have. Thanks team Calver !

Robert
22 April 2022

This was my first time using a broker and Dean, Angelina and the team made the process very straightforward - keeping me informed the whole way through.
I'm happy with the product they offered and will be using them again should the situation present itself.

Roland
30 March 2022

Paul Pollard’s service was exceptional throughout. He made sure we got the best loan available to suit our needs, even changing banks after our house sold to get the best construction loan. He was always available when needed

Caroline
19 September 2022

Our experience with Paul Pollard was wonderful. Our loan was not a standard one, which made it more difficult but Paul went above a beyond to secure us the best outcome. We were somewhat nervous first time home loan participants who asked an array of questions, Paul handled our inexperience professionally and in a personable, friendly manner. We'd recommend Paul and Smartline for anyone looking for a loan. We... read more

Robyn
15 August 2022

I was very happy with my experience. Paul was great at keeping me up-to-date with the process of the refinancing of my home loan. 100% recommend

Sarah
20 July 2022

Paul went above and beyond to get the home we wanted, he made the whole process stress free. I’ll be recommending Paul to any of my friends and family if they need a broker. Thanks again Paul!

Blaine
16 July 2022

Paul was fantastic throughout the whole process and we would highly recommend his experience to anyone thank you so much Paul

Wilawan
13 July 2022

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

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

PAYG Self Employed

My monthly income before tax

Rental income

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

You could borrow up to

Repayments
/ month
Expenses
Remaining

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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

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.

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

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.