Lance Mackichan & Josh Michael, Your local Mortgage Choice brokers | Canning Vale, Applecross & Booragoon

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Call: 0435 262 165

Are you confused by the home loan process? Or not sure where to start?

Our team at Mortgage Choice in Canning Vale, Cockburn & Atwell are here to help!

Call Us Mortgage Choice Canning Vale
Office - 0435 262 165

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

Address

Suite 16, 2 Batman Road CANNING VALE, WA 6155

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Start your home loan journey today

We're here to help at every step of your home loan journey

Our team of mortgage brokers are with you every step of the way from finding the right home loan to settlement and beyond.

We make the process easy

You may be looking at your first home loan, investment property or car loan, but the journey can be complicated and it can be hard to know where to start.

As mortgage brokers, we help you find the right home loan from our panel of over 20 lenders, comparing hundreds of home loans with your goals to find the right one for you.

We then put together the paperwork for you and submit it to your chosen lender following up and keeping you informed the whole way through. In fact, we help you right through to you settling your loan and receiving the keys to your new property or car.

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.

We have an award winning team

Our main focus as a mortgage broker team is to help our clients find the right home loan or finance solutions. But it's such a compliment to receive awards for doing what we love!

Helping you make better financial choices

At Mortgage Choice in Canning Vale and Cockburn, we believe that making better financial choices now can lead to a better life.

So, we are passionate about helping you make the right decisions not just about your home loan or investment loan but each part of your finances. That's why we offer a range of financial services, and can help you with:

Buying your first home

Investing in property

Building a new home

Buying a house and land package

Refinancing your current home loan

Consolidating your debts

Buying a new car

Renovating

and more!

Refinancing your current home loan

You are not expected to keep the same home loan forever. Our lives change quickly and it's important that your loan changes with it.

In fact, we recommend reviewing your home loan every 2 years to make sure the loan still fits your life and you are on the best rate possible.

At Mortgage Choice in Canning Vale & Cockburn, we offer a free home loan health check, comparing your current home loan with hundreds of others to see if we can get you a better deal.

To book your free home loan health check with our team of mortgage brokers just click the Contact us button at the top of the page or call 08 9259 4488.

Find out more about refinancing your home loan here.

Talk to us today

We would love to chat to you about your home loan or business goals, so we can help you reach them! We want to make it as easy as possible, so we can meet at your home or office at a time most suitable for you.

Click the Contact us button at the top of this page or call 08 9259 4488 to book a time to chat.

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

These guys provide a great service. I've used them for my past 3 mortgages, and one re-mortgage. They make everything easy, find great rates and are always there for advice.

Bill
11 August 2024

Josh helped my partner and I through the process of buying our first home. He was very thorough and helpful throughout the whole process. Always happy to pick up my calls texts at all times to answer any of the many questions I had throughout the buying process which was a huge help and relieved many of our home buying anxieties.
Would highly recommend Josh and Mortgage Choice Canning Vale. Cheers guys

charlie
08 June 2024

Lance the team have gone above and beyond to provide us with the best service possible with the best outcome. We appreciate everything you have done will forever recommend you to anyone looking for mortgage support. Thank you.

Jessie
14 February 2024

Thank you Josh and Gina for helping us refinance and finally get ahead Not only did you team help us, you found an issue we didnt even know about, which was a big deal. Informative, thorough, professional and helpful. We will without a doubt use your services again and we highly recommend your services to our family and friends. Gavin and Storm

Storm
06 December 2023

From the very first phone call with Lance to the last appointment with Gina, the mortgage choice team have been amazing I am so grateful for the time they took to educate me on the different options available for my refinancing process. Their efficiency and timely responses ensured that the whole process took less than 6 weeks to complete. They also helped me with other outstanding debt which has lift... read more

Alice
13 October 2023

Lance and Gina at Mortgage Choice Canning vale are hounds down the best As first home buyers we were super overwhelmed but these guys made buying a home a breeze They took all the stress out of the process for us and were very attentive Super grateful for all their help and we couldnt recommend a better financial broker.

22 January 2023

A friend in the industry recommended these guys to us. She said Lance knows his stuff She wasnt wrong.
After our first meeting to assess our finances Lance told us to go and find a house. That was actually the hard bit When we finally found something the mortgage choice team were incredibly efficient and helpful throughout the whole process. And as clueless first homebuyers thats very reassuring.
They... read more

Laura
05 July 2022

My Testimony I approached Gina and Lance with the ambition to buy my first house within 6 months and they confidently shook my hand and said Lets Do IT Gina and Lance were with me every step of the way, from deciding a budget to signing contracts, they answered all of my questions throughout the entire process of obtaining my home loan. They were professional, efficient and an absolute pleasure to dea... read more

Alanah
18 June 2022

Mortgage Choice went up and beyond in the organisation and execution of buying my new home. Would recommend to anyone wanting a stress free home loan.
Josh Michael was very professional, knowledgeable and punctual.
Thanks Mortgage Choice

adam
18 June 2022

Lance and Gina helped me purchase my first home, couldn't be happier with their advise and assistance through the whole process

Jacquelin
18 June 2022

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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.