Livio Tramontin

Home Loan and Financial Services Specialists in Findon, Port Adelaide, West Lakes, Largs Bay, Woodville, Croydon and surrounds.

Need help with your finances? If so, come and talk to the team at Mortgage Choice Findon for help with your home loans, car loans, business lending and more.

Call Us Mortgage Choice Findon
Office - 0468 967 224

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

Address

179 Grange Road FINDON, SA 5023

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Welcome from your local Findon home loan and financial service experts

At Mortgage Choice Findon, we pride ourselves on assisting our clients to make informed choices. Our team are focused on your home loan needs first and recognize that no two customers' circumstances are the same.

Findon and the Western suburbs of Adelaide are going through and will continue to undergo a rapid amount of exciting change, and with over 40 years experience in the finance industry, our team will make it our business to help you feel comfortable and confident in making decisions about your home loan options.

Our panel of over 20 lenders gives us access to hundreds of different home loan products with varying features to suit any situation. We will compare the hundreds of home loan products available and provide expert advice and guidance to find the most competitive and suitable loan for your needs, without the bias.

Our services

Your local team at Mortgage Choice offer professional mortgage broking experience and financial advice to help with:

Hear what some of our customers have to say!

Let us help you get a better choice of loan for a better life.

We are available five days per week and by appointment after hours. We can meet at a time and place that's convenient for you whether it be your home or office.

Phone: 0468 967 224 - Livio
Phone: 0422 842 266 - Paul
Email: livio.tramontin@mortgagechoice.com.au
Email: paul.magiafoglou@mortgagechoice.com.au

Office Hours:
Monday - Friday: 8:30am - 5:00pm
After hours by appointment

What makes us different?

At Mortgage Choice Findon, 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 your broker may charge a fee, which would be discussed with you before proceeding.

We can also provide assistance with:

Home, Contents and Landlord Insurance
Commercial and/or Business Loans
Car Loans
Asset & Equipment finance

Let our Findon team do the legwork and find the best loan for you!

Our Findon team looks after the following suburbs and surrounding areas of Adelaide: Alberton, Albert Park, Angle Park, Beverley, Birkenhead, Bowden, Brompton, Croydon, Croydon Park, Exeter, Ferryden Park, Findon , Grange, Hendon , Hindmarsh, Kilkenny, Largs Bay, Largs North, Mansfield Park, New Port, North Haven, Outer Harbor, Osborne, Ottoway, Pennington, Peterhead, Port Adelaide, Rosewater, Royal Park, Regency Park, Seaton, Semaphore, Semaphore Park, Taperoo, Welland, West Croydon, West Hindmarsh, West Lakes, West Lakes Shore, Woodville, Woodville North, Woodville West and Woodville South.

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

Knowledgeable and helpful - thanks Livio

Tobey
22 July 2024

Extremely helpful, answered all my questions regarding the steps in purchasing my property and made what I believed to be stressful much easier than first imagined.

Troy
08 July 2024

Livio listened to what I was looking for, gave me achievable realistic options that suited my goals and soon Ill be moving into my dream location He has a great understanding of the current future market and the western suburbs. He was patient with my questions and always had time to explain any part of the process I needed clarity on. Hes approachable you never leave a conversation without a sm... read more

Monique
19 February 2024

Livio was wonderful Very professional and helpful in assisting with my home loan.

Natalie
18 February 2024

We have used Livio a number of times to both source and review our home loan to best suit our needs. He created a thorough, timely and seamless process. Highly recommend

Romy
04 August 2022

Livio and Anna provided an excellent service when I went to them to refinance my loans. On short notice they were able to change my loan type given changing goals and a dynamic interest rate environment.

bradley
04 August 2022

I first approached Livio when I was just planning to buy my first home. He asked to meet me in person which was a really good experience as most people will just prefer talking on the phone. Our first meeting was absolutely helpful and it became clearer to me what I can actually afford, what should I do moving forward, and what are my options. I like that he explains everything in details.
Fast for... read more

Maya
30 July 2022

I first approach Livio when I was just planning to buy my first home. He asked to meet me in person which was a really good experience as most people will just prefer talking on the phone. Our first meeting was absolutely helpful and it became clearer to me what I can actually afford, what should I do moving forward, and what are my options. I like that he explains everything in details.
Fast forwa... read more

Maya
25 July 2022

The assistance and service given was outstanding, excellent communication and positive advice, through whole process. I recommend Mortgage Choice in Findon for all your mortgage needs.

Mark
13 July 2022

Have used Livio several times now Very happy with the service, support turnaround times throughout the entire process.

Blake
18 June 2022

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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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.