Jeremy Kruse Mortgage Broker in Richmond, Hawthorn, Camberwell, Kew, Balwyn & surrounds

Call: 03 9855 1100

The team is committed to providing the very best in customer service for first home buyers through to experienced property investors, including commercial investors.

Their breadth of knowledge and skill in the banking and finance industry makes them well-suited to assist a wide range of clients.

Call Us Mortgage Choice Balwyn East
Office - 03 9855 1100

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

Address

PO Box 4126 BALWYN EAST, VIC 3103

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

With his wide-ranging financial expertise and results-focused approach, Jeremy specialises in tailored lending solutions aimed at strengthening your financial future. He can look after all your borrowing needs including home and investment loans, car finance, and commercial financing.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Car and asset finance
Business equipment finance
Commercial property finance

Other areas I service

Jeremy optimises your borrowing process by offering well-informed advice and high-level professional care right through to settlement and beyond. He is based in Melbourne’s east and offers a mobile service covering the Melbourne metropolitan area.

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 us to discuss your unique situation.

Ready to start your home loan journey with us?

Find out for yourself why my customers are so happy. I'll make your next purchase an easy one.

Call Jeremy on 0411 149 662 today.

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

First class experience with Jeremy Rolando, arranged a loan at a great rate in quick fashion and provided detailed assistance at each stage of the application process. Highly Recommend

Ben
03 July 2024

Jeremy was super friendly, responsive and helpful along the whole journey. Made it really easy and gave great advice. Couldnt recommend more

Jarrod
02 July 2024

Highly recommend the services provided by Jeremy Kruse at Mortgage Choice. Jeremy has helped me navigate the confusing world of banking and found the best home loan deal for my last two properties. He was quick to get back to me and always happy to spend time answering my questions. Jeremy is so knowledgeable and his team made sure the whole process ran smoothly. I wouldnt trust anyone else. Ive recommended Jeremys services to all my friends and family, and they all loved his service too

Nicole
21 June 2024

Jeremy has provided insight and assistance during the whole process. As a first time home buyer I was made to feel secure and had every question answered during the process. Recommend Jeremy for both first home buyers who need additional support or experienced home buyer who needs efficient service.

brenton
28 May 2024

Jeremy was absolutely exceptional
Jeremy and his team assisted us greatly during the purchase of our first home.
He was readily available and communicated the process, and our loan options, in a clear and simple manner. He was able to find us a loan that provided competitive rates and met our needs.
His service went above and beyond He even advised us during the negotiation process and saved us a sign... read more

Stuart
27 May 2024

I recently had the pleasure of dealing once again with Jeremy from Mortgage Choice. Jeremys professionalism, reliability, and efficiency made the entire process of getting finance for our new home seamless and stress-free.
Communication with Jeremy was excellent throughout the entire process. He was prompt in responding to my inquiries, keeping me informed about the progress of our application and pro... read more

Monica
23 May 2024

We have been so lucky having Jeremy on board with us as our broker. As first time home buyers in our 60s we never thought it would happen. With Jeremy amazing help and guidance we are about to enter the realm of our own place.

sharon
06 May 2024

I found Jeremy to be available, reliable, supportive, knowledgeable, efficient, and a complete pleasure to interact with. I would sincerely and unquestioningly recommend this service.

Renée
13 March 2024

We would highly recommend Jeremy to anyone needing a mortgage broker.
This is the second time we have worked with Jeremy, and he has been incredibly helpful for both our home purchases. He went above and beyond to assist us and was always available to provide his expertise, responding quickly to emails, following up to check in on our progress, and meeting with us whenever we needed.
Jeremy helped us... read more

Steph
06 February 2024

Jeremy has assisted me over the past 15 years, with all manner of investmentproperty advice, he has always been great to deal with, offering excellent service and advice, listening to my needsconcerns and coming up with options and solutions that are relative to my situation and financial goals. His professionalism and service are awesome and I often pass on his details to family and friends as I'm 100 confident he can effectively assist them.

Michelle
17 November 2023

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.

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.

Jeremy Kruse Mortgage Broker in Richmond, Hawthorn, Camberwell, Kew, Balwyn & surrounds

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing