Your award winning Mortgage Brokers & home loan experts in Balwyn, Balwyn North, Glen Iris & Surrey Hills

Call: 03 9432 5484

Are you looking for help to find the right home loan? There's a lot of details to consider - let us help! Our award winning Mortgage Broker Balwyn team can be your advocates with the banks & help you through the process. Chat to us about our free home loan service!

Call Us Mortgage Choice Wantirna
Office - 03 9432 5484
Fax - 03 9432 5845

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

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The right home loan makes a difference

We know the huge difference your home loan can make to your finances, which is why it's important to make sure you have one that suits your budget and lifestyle.

Our Mortgage Broker Balwyn team will find you the right home loan from our panel of over 30 lenders - including the big banks and some specialist lenders. We search through thousands of products to find you the right one at a great rate.

We do the shopping around for you from 30+ lenders
We give you expert advice on your home loan structure & lender.
We complete the application & admin for you, it's all taken care of!
We negotiate with the bank on your behalf and liaise with them throughout.
Our home loan service is free, as the lender pays us a commission.

We make sure you get a fair go

Gone are the days when the banks had all the power over your home loan. We love being able to shop around for you from over 30 lenders to put you back in control of your loan. We negotiate on your behalf to make sure the banks are offering a loan that will suit your new purchase. We'll even remind you when it's time to refinance your loan to get a better deal.

Book an appointment with the Mortgage Broker Balwyn team

Let our award winning team help you get the right home loan. We can come to you at a time that suits you best, or you can meet us at our Wantirna or Eltham offices.

Chat to our team on 9580 6922 or click the button below to request a call back.+

Call: 03 9432 5484 Request a call back

^{Our team service the areas of Balwyn, Balwyn East, Deepdene, Stradbroke Park, Balwyn North, Greythorn, Camberwell, Camberwell North, Camberwell South, Camberwell West, Hartwell, Middle Camberwell, Camberwell East, Canterbury, Mont Albert, Surrey Hills, Surrey Hills North, Glen Iris, Tooronga & surrounding areas.}

Hear from Dwayne

With Mortgage Choice, you're never a loan

How do construction loans work?

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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

Brendan and his amazing team were absolutely wonderful They made the entire process incredibly easy and were helpful every step of the way. I couldn't recommend them more highly

Facetology
03 September 2024

Great service professionalism. Thank you.

Melissa
28 June 2024

Dwayne and the team have helped us refinance a couple of times now. Each time they have made the process very easy and have found us much better deal.

Chris
12 May 2024

In Dwayne we trust
Without his professionalism and determination we would not have succeeded
Highly recommend this business

David
28 March 2024

I can't fault the service from Mortgage Choice Wantirna, I want to offer my gratitude to Mitch Wise, who has helped my family through a refinancing and now into a purchase of a forever home, Mitchell has always been really clear on his guidance and instruction and what would be required to get us to our goal as a family, never once dodged a call or an email from me and was always personable. His... read more

Zane
12 March 2024

Very Professional Service

Peter
04 March 2024

Working with Dwayne Brittain and the entire team was an exceptional experience. As a first time homebuyer, I had many questions and uncertainties, but they guided me through the process with professional and expertise. Dwayne went above and beyond to find the best mortgage solution for me, and I couldnt be happier with the outcome. I highly recommend their services. Thank you Dwayne and team.

Carlene
26 February 2024

Thanks Mitch and his team Worked tirelessly through an at times stressful mortgage process. Found the best deal and had great communication. Will be using again

Ryan
05 February 2024

Brendan from Mortgage Choice Wantirna deserves nothing short of an accolade for his unwavering commitment to guiding us, young first homebuyers, through the world of mortgages. His extensive knowledge and countless hours spent explaining the nuances of the housing market made a lasting impression. Brendan's use of top-quality equipment and engaging sessions with my wife, mother-in-law, and me sho... read more

Ian
23 January 2024

My family has used Mortgage choice Wantirna many times now and I was very happy with Dwayne and the team. I had a short settlement that was able to be achieved on time. Dwayne and the team are very professional and know what needs to be done to get your loan complete.

Cutting
12 December 2023

Property Ownership

This guide outlines the essential steps to achieving property ownership, starting from the first appointment with a mortgage broker all the way to settlement.

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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.