Peter Machell

Covering Woodend, Gisborne, Kyneton, Lancefield, Daylesford & Macedon Ranges

Call: 03 5427 4262

Our team in Woodend & Bendigo research & compare loans from up to 35
lenders to match the one for you, not the lender.

Call Us Mortgage Choice Woodend
Office - 03 5427 4262

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

Address

87 High Street WOODEND, VIC 3442

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My promise to you

A mortgage is a big commitment but it need not be a big headache. I work hard to make your life as easy as possible.

~ Peter Machell
(Owner, Mortgage Choice Macedon Ranges)

Here’s my mobile number:

👉 0438 117 706

Call me at any time to get friendly, expert advice about your mortgage ... even on a sunny Sunday afternoon 😎

Press here to call me

Start your home loan journey today

Covering Woodend, Gisborne, Kyneton, Lancefield, Daylesford, Macedon Ranges and surrounding areas.

When it comes to choosing a mortgage broker, there are numerous options available. Mortgage Choice Woodend stands out as the premier choice for several compelling reasons:

1. Local Expertise: We have an in-depth understanding of the local markets and the unique needs of local residents.

2. Comprehensive Services: We offer a comprehensive range of services beyond just mortgages. We provide holistic solutions to help you achieve your long-term financial goals.

3. Personalized Approach: At Mortgage Choice Woodend we believe in taking a personalized approach to every client interaction, understanding your individual circumstances, preferences, and objectives.

4. Access to Leading Lenders: With access to an extensive panel of lenders, with over 35 financial institutions.

5. Transparent and Honest: Transparency and honesty are at the core of our values, providing clear and straightforward advice for you to make an educated assessment.

6. Exceptional Customer Service: We strive to provide a seamless and stress-free experience, keeping you informed every step of the way.

7. Proven Track Record: Mortgage Choice Woodend has earned a reputation as a trusted and reliable partner in the community.

In summary, when you choose Mortgage Choice Woodend you're choosing a local partner with the expertise, resources, and dedication to help you achieve your financial goals.

Contact Peter Machell and the team at Mortgage Choice on 03 5427 4262 or email peter.f.machell@mortgagechoice.com.au

Mortgage Choice Macedon Ranges can help you with:

🏠 Home loans - find out how much you can borrow

🚗 Car loans

🏪 Business lending

📈 Property investment

💰 Personal loans

Places that Mortgage Choice Macedon Ranges serves include:

🍻 Woodend

🍛 Kyneton

Malmsbury

Castlemaine

🦢 Daylesford

🥔 Trentham

Romsey

Lancefield

🌄 Mount Macedon

🍂 Macedon

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

Everyone at Mortgage Choice Macedon Ranges and Bendigo have gone out of their way to assist me with the purchase of my new home as they have done several times in the past. The staff are all professional, caring and empathetic to individual circumstances. I highly recommend their services to anyone looking for a Mortgage Broker.

Julie
15 October 2024

Everyone at Mortgage Choice Macedonia Ranges and Bendigo have gone out of their way to assist me with the purchase of my new home as they have done several times in the past. The staff are all professional, caring and empathetic to individual circumstances. I highly recommend their services to anyone looking for a Mortgage Broker.

Julie
10 October 2024

All of the team were exceptional. Rhiannon and Bianca were key in guiding me through the process of applying for my first real mortgage. They were attentive, quick to communicate and extremely proactive when any additional documents were requested. I really appreciated how personable Rhiannon and Bianca were, I really felt like a duck out of water at the start of the process, and they help my hand through it all. I couldn't recommend Mortgage Choice highly enough

Victoria
09 October 2024

Both Bianca and Peter were extremely helpful throughout the whole process of applying for a loan. They thoroughly explained the process from start to finish and always kept us in the loop. The information and advice they provided was invaluable especially as a first home buyer going through this process for the first time. Could not recommend them enough

Shannae
23 August 2024

Could not recommend Bianca from Mortgage choice enough She made sure everything ran smoothly from start to finish. She answered all my questions big or small and made me feel much more at ease through the whole process. Even replying to me out of work hours. Definitely recommend Bianca for anyone looking to buy their first home Thanks again Bianca.

Veronica
28 July 2024

The Mortgage Choice team was really helpful, patient and knowledgeable. We were guided through multiple options in plain language and were able to make the best choice for our circumstances, confident we'd made the right decision. Big thanks to Bianca in particular for her expert guidance.

Tim
23 June 2024

Great team, quick and efficient service. Thank you

Rapier
06 May 2024

On behalf of my mother and I wholeheartedly agree and recommend too Best in the business
Thank you to Peter all the team at Mortgage choice for your guidance, advice and professionalism. A special thanks to Bianca for going above and beyond and your patience helping us through the steps, always there for our many questions.
I cannot thank you all enough.
I would highly recommend Mortgage Choice to anyone.

J
25 February 2024

Working with the team at Mortgage Choice has been great. They took the time to explain things thoroughly, and talk through options etc, in person and virtually, which was very reassuring. They have been very responsive and quick to help. The entire process has been smooth - many thanks to the team for their support.

J
21 November 2023

Its been a very good experience using Mortgage choice woodend for my housing loan. I strongly recommend using them, it was very easy and a positive outcome.

Echuca
20 September 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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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.