Your local Mortgage Brokers & Home Loan Experts | Wembley, Subiaco, Floreat & surrounds

Call: 08 9287 1030

Whether you're looking for your first home or next investment, the team at Mortgage Choice Wembley are here to help.

With hundreds of home loans available from over 20 lenders, we take the hard work out of shopping around, all at no cost to you.

Call Us Mortgage Choice Wembley
Office - 08 9287 1030
Fax - 08 9287 1040

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

Address

361b Cambridge Street WEMBLEY, WA 6014

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Helping you with your home loan from start to finish

Finding the right property isn't the only thing that matters - finding the home loan that suits you is important too.

Mark, Kristine and the team of brokers at Mortgage Choice Wembley can help!

We take the hard work out of shopping around

Instead of spending hours searching home loans online, or being stuck with the limited range of home loans from your bank, Mortgage Choice Wembley can give you access to hundreds of home loans from a range of over 20 lenders.

We sit with you to figure out what you need from your home loan, and then search through our range to find one that suits your needs.

We help you from start to finish

We can take the stress out of the process with expert home loan advice and management.

You might be a first time buyer, a savvy investor or somewhere in between. Wherever you are, the team of brokers at Mortgage Choice Wembley work hard to make the process easy.

Not only do we help you find the right home loan, we complete the paperwork and submit to your lender for you. Our team then does the follow up on your behalf from submission through to final settlement, so you can spend more time doing the things you love.

At no cost to you

Your chosen lender pays a commission after your loan settles, so our home loan service is no cost to you.

Our focus is you

Our team of brokers at Mortgage Choice Wembley take the time to explain the process as well as providing support along the way. Our aim is that you remain our life long customers, so that we can assist you with your differing financial requirements throughout your changing circumstances.

And throughout the process we can help you answer any questions like:

Which home loan has the lower interest rates and lowest fees?
Should I split my loan or fix my home loan?
How can I use the equity in my home to purchase another property?
What amount do I need to save to purchase my first home?

Your team of mortgage brokers are ready to help

Book an appointment with the team at Mortgage Choice Wembley by calling 08 9287 1030 or click on the Contact Us button at the top of the page to get started.

We service Wembley, Floreat, Subiaco, Wembley Downs, Jolimont, West Leederville and surrounding areas.

Our range of services:

Home loans

Investment loans

Refinancing

Debt consolidation

Insurance

Car loans & sourcing

Equipment finance

Commercial loans

What our clients say

Visit us in Wembley

We know that sometimes it might be more convenient to meet you at your home or at work during your lunch break. We can come to you at a time and place that suits.

Or you can book an appointment at our office, located on Cambridge Street in the heart of Wembley. Find us on Google maps.

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

Mark and his team @ MC Wembley has helped me with 3 properties and construction loans over the past few years. I have been through many 5 loan brokering companies over the past decade and this team, by far, is very professional, accurate and has been very prompt in their communications.
The team I dealt with were seasoned property traders so they know the ins and outs of the property process and all... read more

Kai
18 July 2020

With us knowing almost nothing about re-mortgaging and title transfers, Mark and Kristine were extremely helpful and informative throughout the entire process.

Keith and Sarah
16 December 2017

I am grateful for your assistance and patience in guiding me through the process. I have visited my house (already done a week's blitz) on it and am very happy. It is already being rented!!

Evelyn
16 December 2017

Thanks Mark, you were fabulous. We really appreciate the extra time you put into explaining the entire process to us. We would have been completely lost without you!!!

Mark & Rhiannon
16 December 2017

Scott is very friendly and helpful. He is always willing to go the extra mile to assist me to explore other lending options.

Yk
19 July 2016

Mark was great to work with in both the process of initial getting a home loan, and a subsequent refinancing. Always relaxed and open with all the information, and responds much more quickly than the banks

David
19 July 2016

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.

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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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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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