Your local Mortgage Broker and Finance experts in Sandringham, Black Rock, Hampton, Highett, Beaumaris, Mentone and surrounds.

Call: 03 9585 2000

Your local Mortgage Choice broker and finance expert servicing Sandringham, Black Rock, Hampton, Highett, Beaumaris, Mentone and surrounds. Let us help you find the right home loan and guide you through the process. Give us a call today on (03) 9585 2000 or book your appointment!

Call Us Mortgage Choice Sandringham
Office - 03 9585 2000

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

Address

Unit 7 / 23-35 Melrose Street SANDRINGHAM, VIC 3191

Latest home loan interest rates

Starting from

p.a.

Comparison rate

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

We are passionate about helping our local community across Sandringham and surrounding suburbs reach their financial goals by finding the most competitive home loans and financial solutions.

Start your home loan journey today

4 Reasons to use Mortgage Choice Sandringham for your home loan

1) Your local Sandringham experts in home loans and property investment

Our experienced team of mortgage brokers is led by Ian Celantano, Kate Gorman, Jeff Morel and Megan Anderson. Ian and his team cumulate over 20 years of experience in the mortgage broking and finance industry. We'd like to invite you to read our team profile as each of us has a specific area of expertise.

Our office is conveniently located at the heart of Sandringham, on suite 7/23-25 Melrose Street right next to Hobsons Pub. Pop in for a chat and a free coffee!

2) We do all the legwork for you

At Morgage Choice in Sandringham, we do all the research and manage every step of the application process for you on your behalf, saving you time shopping around and filling in multiple applications.

We make your home loan process simple, efficient and stress-free. We are available to meet with you at our office in Sandringham, at your home or at any location convenient for you.

3) A comprehensive choice of home loans

At Mortgage Choice in Sandringham, we have access to hundreds of different home loan products and features to suit any situation. We can analyse and compare hundreds of home loan products available in the market to find the most competitive and suitable loan for you.

4) 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 services do we offer?

We can help with:

First home buyer home loans - as well as the First Home Owner Grant
Home loans
Free Home Loan Health Checks/Reviews
Refinancing
Property Investment loans
Guarantor home loans
Construction & Renovation loans

Home Loans FAQs

How much can I borrow?

Your borrowing capacity is determined by a number of factors. The two main factors that we assess to determine how much you can borrow is

The amount you earn minus
Any debts you may have.

The great thing about dealing with a mortgage broker is that we can look at all the lenders' current servicing calculations to determine how much you can borrow, without the need for you to contact each bank.

Check out our Borrowing calculators here.

When will I receive my loan funds?

This will depend on the individual situation and the type of loan you have applied for. However, typically you will receive your loan funds within six weeks of starting your home loan process. As your Mortgage Choice in Sandringham brokers, we will keep you updated throughout your entire process so you know exactly how your application is going.

Get in touch with our team at Mortgage Choice in Sandringham today on (03) 9585 2000

Why use a mortgage broker rather than talking to my bank directly?

When you walk into the branch of a bank or lender, you will only ever be offered their small range of typically 4 or 5 home loan products. Banks also don't compare their products to other home loan products available in the market. So you won't even know if there is a better product on the market for you.

By choosing a mortgage broker, you are getting more choice and information, hence you have more chances to get the most suitable and competitive loan for your 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

I cant thank Ian enough for his guidance, support and expertise through the loan process. First class example of doing whats best for the client. 1010 would recommend every time. Ian is not only an expert in his field but also a genuinely lovely person. Thanks for all your help through the home buying process

Cindy
22 October 2024

Ian and the team were a pleasure to work with - nothing is too much trouble for them.
Ian made the process of getting mortgage approval enjoyable through his patience and enthusiasm.
Would recommend him to any of our friends and family.

James
25 September 2024

Listened to our needs and made the process of getting a mortgage as easy as is possible for getting a mortgage. Got the mortgage very quickly once everything was submitted.

24 August 2024

Belated review, for Ian and his team at Mortgage Choice. We engaged Ian to support the mortgage process for our new home. He was referred by a family member. From the start we were very impressed with the service. Ian took the time to meet us in person to get a thorough understanding of our needs. We had a lot of questions along the way, through a number of attempts at purchasing a house. It took us... read more

Cameron
28 July 2024

Its been a great to work with Ian and his team at Morgage Choice Sandringham, they were able to secure us our first home loan in a professional manner when other people were not able to help Would highly recommend Ian and his team to anybody looking for a loan

Mikaila
25 June 2024

Ian and his team helped us with the process of buying our first home. Ian was always honest with us from the start, keeping us informed about the process and the best deals available. It's not just about buying a property it's about making the process easier and smoother for us.

Thank you for all your support. We are now living in our first home thanks to your team.
Paula Juan

Juan
13 June 2024

Ian was an incredible help throughout the entire process, finding us a suitable loan. He and the team were very generous with their time, as well as being lovely to work with. Highly recommend

25 May 2024

Ian and his team have been amazing in every part of our loan process for purchasing our first home.

He not only facilitated our home loan but also took the time to educate us on various aspects of the mortgage . His patience and clarity in explaining concepts were invaluable, especially for first-time homebuyers like us.

The team was always available to address our questions and concerns, even on... read more

Bhavana
22 April 2024

I would like to say a big thank you to Ian, Lachlan and Sandra for their patience and help in assisting me to secure my home loan. I really appreciated their prompt communication and knowledge which made the process much less stressful. Also, I found it reassuring that i could meet with Ian in person and that he took the time to explain everything to me. Thanks for a great service

Komal
18 April 2024

I had the pleasure of working with Ian in securing a home loan. Ian's professionalism, thoroughness, responsiveness, and willingness to explore and explain all the options that were available to me, is exceptional. I asked a lot of questions, I reached out to Ian a lot, and Ian was always engaged, patiently explaining to me different options considerations, and together with that all, Ian has an ex... read more

13 April 2024

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.

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.

Click here for more information on the WA First home Owner Grant.