Your Experienced Mortgage Broker for Melbourne’s West.

Call: 0433 251 953

Looking for a loan? Talk to Glyn Camilleri, your local mortgage broker, for home loans, asset finance, debt consolidation, and much more. With personalized service and expert advice, Glyn is here to help you navigate your financial journey.

Call Us Mortgage Choice Altona
Mobile - 0433 251 953
Office - 03 9398 1390
Fax - 03 9398 1672

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

Address

13 Harrington Square ALTONA, VIC 3018

Latest home loan interest rates

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Why Choose Me?

I make things simple!

I will save you time and money by doing all the legwork. Starting with searching for the right loan for your needs and supporting you through the entire application process. Better yet, my services and years of knowledge are at no cost to you.

How does it work?

Make an appointment

Book in a time to discuss what you are searching for in the way that suits you best. Whether it's after work, over the phone, on the weekend or a visit to your home or workplace.

Quick and easy loan comparisons

Based on your circumstances, I use sophisticated Loan Qualifier software to compare and investigate hundreds of home loans from a wide choice of lenders, including the big four banks.

Choose a loan and apply

Together, we'll pick the right home loan for you based on your individual needs. Should you decide to go ahead with an application I will prepare and submit the required paperwork, help you to apply for any eligible government grants or incentives and keep you up to date with the application progress.

What makes me different?

There is no cost to you

Mortgage Choice brokers do not charge customers for our home loan service. Banks and lenders pay us a commission for the home loans that we settle with them.

My Services

I have a wealth of knowledge built over years of helping clients with every scenario under the sun.

Some of the services I can help you with include:

Home loans
Investment loans
Refinancing
Business finance
Equipment finance
Car and vehical loans
Personal loans
Debt consolidation

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

Glyn is the best of the best. He made the process of purchasing our first home completely stress free for us. Having only ever owned a home in Canada, we were extremely nervous of the differences in Australia and Glyn was able to simplify streamline the process for us.

Travis
10 July 2024

Glyn made the whole process of buying a home less complicated and more enjoyable. I would highly recommend utilising his services.

Shannan
04 July 2024

We recently refinanced for the 1st time and was a little concerned that we wouldn't understand what and how to go about it so we decided to enlist a Mortgage Broker. Glyn from Mortgage Choice Altona to the rescue. Glyn made the experience so easy and explained all aspects of the process so we felt comfortable.
Would definitely recommend Glyn for any refinancing that we have in the future.

Mellissa
04 July 2024

Glyn with his professional experience has provided us with helpful suggestions and helped us to refinance our mortgage and decrease the monthly repayment. Thank you

Stef
01 July 2024

Glyn helped us through the whole process of our first home purchase. No question was left unanswered and Glyn gave excellent advice on each step of the buying process which helped us immensely. Thanks Glyn we will be forever grateful.

18 June 2024

Glyn Camilleri is an incredibly reliable and trustworthy mortgage broker. He goes above and beyond to ensure you have everything you need, consistently checking in and providing excellent service. He is passionate in helping his clients and has exceeded my expectations in every way. Thanks to his support, I was able to successfully purchase a great property. I highly recommend his services. Thank you

William
27 May 2024

Glyn made the refinancing of an ordinary Home Loan to a competitive one quite seamless and easy. We are now competitive in our repayments, have more cash flow and are with a market leading lender. Highly recommend Glyn and his team for a smooth and supportive transition when trying to refinance.
Thanks Glyn and Team.

John
23 May 2024

Glyn was a terrific helping us secure our home loan. He provides easy to understand advice on the loan process and was on hand to answer any questions we had. Would highly recommend Glyn if you are looking to get yourself a home loan.

Sean
10 March 2024

From the moment I walked in to mortgage Choice Glyn put me at ease to obtain a mortgage

I highly recommend him and Altona mortgage Choice

terry
19 January 2024

Extremely knowledgeable and professional. Glyn has completely taken the stress away from dealing with banks. He has undoubtedly saved us both precious time and money . We would highly recommend Glyn and his team.

Deana
18 January 2024

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You could borrow up to

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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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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.