Kerry McKenzie Mortgage Broker in Ballarat, Creswick, Ballan & surrounds

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Call: 0407 088 901

Kerry’s 26-year career in the banking industry has given her a comprehensive knowledge of all lending and financial products. She prides herself on her commitment to her customers, and to providing prompt, friendly service. “If I say I will call or find out an answer – I will, and I’m always willing to go the extra mile,” she says.

Kerry offers a mobile mortgage broking service in Ballarat and surrounding areas.

Call Us Mortgage Choice Creswick
Office - 0407 088 901

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

Address

86a Albert Street CRESWICK, VIC 3363

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Services

Buying your first home, refinancing an existing loan, or planning to invest? Kerry can provide expert advice and draws on her extensive industry knowledge find a finance solution that will work for you now and into the future.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Deposit Bonds
Bridging loans
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)

Other areas I service

Kerry is an experienced, local mortgage broker with a well-deserved reputation for excellence. Professional, patient, and dedicated to getting great results for her clients, she’ll go above and beyond to simplify your borrowing experience.

She offers a mobile service across Ballarat and surrounding regions, and can meet at a time and place that’s convenient for you.

Ballarat
Creswick
Daylesford
Maryborough

Check out our free calculators!

Wanting to find out your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Ballarat, Creswick, Ballan and surrounds we understand that finding out how much you can borrow for a property can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with us to discuss your unique circumstances.

Ready to kickstart your journey to homeownership?

We’ll assist you along the way and do all the legwork for you! Call us today on 0407 088 901

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

Kerry has been wonderful to deal with for my mortgage. She has been able to answer every question and scenario while I was looking for a house. She made getting the loan simple, easy and stress free. I would recommend her for anyone who is looking for a mortgage. The whole process has been so easy and exciting for my first home.

Belinda
28 October 2024

Kerry was very professional guiding me through the process of buying my very first house. Her knowledge was outstanding and she is very approachable with any concerns and questions I had during this process.
Kerry helped me obtain the most suitable home loan that enabled me to buy my very first home.
I highly recommend Kerry -

Kellie
01 October 2024

Kerry was amazing to deal deal with I found her very knowledgable and helpful, and her experience was invaluable in my home purchase. Would definitely recommend her

Shona
31 July 2024

Kerry has been fantastic with helping me get my loan, any questions I had she was very helpful and friendly. I would go to Kerry again if I needed to.

Andy
09 July 2024

Thank you Kerry for all your support .
We really have appreciated everything you have done.
Definitely recommend Kerrys services

Simone
15 April 2024

We met Kerry as recommended by a friend. We were new to home loan and Kerry took us under her wings and guide us throughout the process. Kerry has been very professional, approachable, and patient in having all our questions answered. She went above and beyond supporting and advising us on matters that were outside her services at times. Overall, we have had a very positive experience and would highly recommend Kerry's services.

jerry
28 March 2024

Kerry was an absolute delight to work with. She was friendly, easy to communicate with, and very knowledgeable. Kerry helped us obtain the right home loan that allowed us to purchase our dream property. My partner and I would highly recommend Kerry to anyone seeking a mortgage broker.

Luke
03 December 2023

Kerry was recommended to us from a friend, and it was a great recommendation. Kerry guided us through the whole process of purchasing a Strata Tile unit in another state which adds a few complexities. And every step happened ahead of schedule so settlement happened 2 weeks earlier than originally scheduled.

We recommend Kerry to others for her excellent friendly professional approach. And for turning complex into simple.

John
20 November 2023

Kerry was fantastic to deal with yet again. Professional and prompt, getting us the best deal and stress free experience with our new home purchase and loan. Will be Confident to recommend her to anyone looking for assistance in the future. Thanks again Kerry

Shaz
09 November 2023

We had a very complicated loan refinance situation and wouldn't of got it over the line without the help of Kerry. She was extremely patient and helpful, couldn't ask for a better broker.

Gavin
09 June 2023

Refinancing guide

If you’re thinking about refinancing, this guide can help you learn more about the refinancing process, benefits and options available.

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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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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.

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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.