Our award-winning Mortgage Broker team in Camberwell, Canterbury, Glen Iris, Hawthorn & Surrounds

Call: 03 9813 3522

Our team at Mortgage Choice in Camberwell & Canterbury take the hard work out of finding the right loan at the right rate from over 35 lenders. Our free home loan service means that we'll do all the research & legwork, managing the home loan process on your behalf.

Call Us Mortgage Choice Canterbury
Office - 03 9813 3522
Fax - 03 9813 3544

Open Hours Mortgage Choice Canterbury
8:30am - 6pm Monday to Friday - After hours by appointment
Free Appointment

Address

59 Canterbury Road CANTERBURY, VIC 3126

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Start your home loan journey today

Welcome to Mortgage Choice in Camberwell & Canterbury

Mortgage Choice in Camberwell & Canterbury has been helping the local community with their home loans & finances for over 15 years. Our team of mortgage brokers & home loan experts specialise in helping people find the right home loan with the features and benefits they need.

Our free home loan service

Finding a home loan with the right features at the right rate, can be daunting. Our free home loan service means that we'll do all the work for you, and make the process as easy as possible. We do all the research and negotiate with your lender to get you the best deal.

We do the research for you from over 35 lenders;
We do all the paperwork and put together your application;
We negotiate with the banks & do the follow-up on your behalf;
We talk you through each step of the process to settlement.
We review your loan when it's time to see if you could save.

We have over 35 lenders on our panel

We all know that a wide range is the key to finding the right deal - and the same is true for your home loan! At Mortgage Choice in Camberwell & Canterbury, we have over 35 lenders on our panel, giving you access to thousands of home loans at once.

We don't just let any lender on our panel either. They have to be the best at what they do and have a great range of home loan products and rates available for our clients.

Get started with us today

Helping people with their home loans is what we love to do! Contact our team at Mortgage Choice in Camberwell & Canterbury to chat about your next move via phone, video or in person at our office located at 57 Canterbury Rd, Canterbury 3126 .

Call 03 9813 3522 Request a call

^{The Mortgage Broker Camberwell team service the areas of Camberwell, Canterbury, Glen Iris, Balwyn, Hawthorn, Richmond, Deepdene, Mont Albert, Surrey Hills & surrounding Melbourne.}

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Camberwell, Canterbury, Glen Iris & Hawthorn and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

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

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

We use the lovely people at Mortgage Choice Camberwell Canterbury not just because they are friendly and very knowledgeable but because they are extremely professional and attentive. We wont use anyone else. Do yourself a favour and do the same.

Ryan
10 July 2024

I could not more highly recommend Morgage choice. They have been nothing but amazing helping me refinance. The process was so easy and smooth and they were extremely helpful Thank you guys so much

Madeline
27 June 2024

Matt has been great to deal with purchasing my new car. He was so easy to communicate with, making the whole process smooth and stress free. Matt was always more than happy to answer any questions I had. Far exceeded my expectations, highly recommend

darcy
01 June 2024

Micheal the team at Mortgage Choice were amazing They were all so helpful, informative friendly through the whole process. I would highly recommended using them as your broker

Caitlin
28 May 2024

Michael and his team are an absolute pleasure, we highly recommend connecting with them. We were provided with detailed information to assist us to make the best informed decision. Michael is highly knowledgeable and patient and was able to walk us through tough market conditions, tactics, variables on loan parameters, investment options, home ownership options and more so we felt confident with our p... read more

M
26 May 2024

Michael and team made the purchase of my first home absolutely seamless. Very candid about my options and put my mind at ease at every turn. Would absolutely recommend to any first home buyer

Chris
16 May 2024

A massive thank you to Geoff, Matt, Lavida, Kate and Thomas for doing such a wonderful job in helping me with my first home loan. Geoff was excellent with his knowledge and his patience and Matt who was not even technically my mortgage broker jumped in whenever Geoff couldn't get back to me and he even called me when it had been approved to personally congratulate me to me, I just felt like it was suc... read more

12 May 2024

Geoff, Kelly and the team have provided exceptional service over many years. As well as brokering the right mortgage solution for you, on an ongoing basis they proactively work with your lender to obtain better interest rates. I have also reached out to Geoff for other financialloan guidance for my parents - he always takes your call and supports. Highly recommend

Jude
21 April 2024

We couldnt be happier with the service that we received from Geoff and his team. They didnt stop working for us even after they secured an initial loan, they then went and got us better interest rate with a better bank after we bought our house and didnt need to borrow as much. Itll save us thousands long term. So easy to communicate with and the system that they use to gather information made the who... read more

Emma
20 April 2024

Michael and the team's advice, product knowledge and customer service are first class. Their expertise and deep product knowledge helped me lock in the best rates and terms initially. Over the last 5 years, the ongoing monitoring and follow-up have also been excellent. Michael and the team have always been ready to assist with questions and changes - e.g. locking in a fixed rate when rates started... read more

A
17 April 2024

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

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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.

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You may borrow up to

Value of property

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Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

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Your monthly repayments
Total loan repayments:
Total interest charged:

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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Total fees:

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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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Our award-winning Mortgage Broker team in Camberwell, Canterbury, Glen Iris, Hawthorn & Surrounds

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