Rhye Livingstone

Covering Frankston, Cranbourne, Langwarrin, Carrum Downs, Seaford and surrounds.

Call: 0459 958 893

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

Call Us Mortgage Choice Mordialloc
Office - 0459 958 893

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

Mobile Broker

Servicing Frankston, Cranbourne, Skye, Langwarrin and surrounds

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

Start your home loan journey today

As your local Mortgage Choice Broker, we will take the stress and confusion out of finding the best finance option for your needs.

Serving the areas of Frankston, Cranbourne, Langwarrin, Carrum Downs, Seaford, and beyond.

When selecting a mortgage broker, you want a partner that stands out from the rest. Mortgage Choice Frankston is the top choice, and here’s why:

Local Expertise: Our deep knowledge of the local markets means we understand the specific needs of our community and its residents.
Comprehensive Services: Beyond mortgages, we offer a full range of services designed to help you reach your broader financial goals.
Personalized Approach: At Mortgage Choice Frankston, we tailor our approach to each client, taking the time to understand your unique circumstances, preferences, and long-term objectives.
Access to Leading Lenders: With a panel of over 35 leading lenders, we ensure you have the best options available to suit your needs.
Transparent and Honest: We pride ourselves on being transparent and honest, giving you clear, straightforward advice to help you make well-informed decisions.
Exceptional Customer Service: We work hard to make the process stress-free, guiding you through each step and keeping you informed along the way.
Proven Track Record: As a trusted and reliable partner in the community, Mortgage Choice Frankston has earned a strong reputation for delivering results.

By choosing Mortgage Choice Frankston, you’re partnering with a dedicated team equipped to support your financial success.

Get in touch with Rhye Livingstone and the Mortgage Choice team today at 0459 958 893 or via email at rhye.livingstone@mortgagechoice.com.au, and experience the Mortgage Choice Frankston difference!

BOOK AN APPOINTMENT

Let us handle the stress so you can get back to important things in life.

As a husband, father, property owner, and investor, Rhye understands the pressures of everyday life and the importance of making the loan approval process as smooth and stress-free as possible. He takes care of the tasks that banks usually leave to you, handling the paperwork and running around, so you can focus on what matters most.

We offer home loan services & advice for:

Home Loans
Investment Loans
Refinancing
Car Loans
Business Lending
First Home Owners
And More!

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

Rhye is the best. From a Saturday pre approval to a formal approval within days. Rhye works so hard and I wouldn't go anywhere else, simply the best. This is our third mortgage with Rhye and its always so smooth.

K
03 October 2024

Rhye is amazing Very quick to respond and goes above and beyond every time.
Would highly recommend.

E
21 September 2024

Rhye has helped us with time and time again with all of our mortgage needs over almost the last decade.
I cannot recommend his services enough, always helpful, prompt, kind and there to answer any of our questions, Rhye takes all of the worry and stress out of arranging finance.
When it comes time for us to consider making a financial change, we know we can turn to Rhye for exceptional service.

Rainer
30 July 2024

We are so appreciative of Rhye's help so we could purchase a family caravan. Nothing was too much trouble and all documents went through quickly.

Justine
27 July 2024

Rhye is absolutely brilliant at what he does. You will not find a better mortgage broker to assist with everything. He explains the process and is always able to answer any questions that you may have. Thanks for being amazing Rhye

Tristan
17 July 2024

Rhye is an absolute professional. Passionate, capable and just a ripping guy.

Made our agent look like he was asleep at the wheel. Highly recommend.

Matt
16 July 2024

I have been a client of Rhye twice now, once in 2019 and now this year and I can happily say that both times he did not disappoint. Given the current market situation, this time was a little more difficult as our borrowing capacity had gone down due to the interest rates, however, Rhye managed to get our loan approved in such a quick turn around, which meant that we were able to purchase our dream... read more

Jesekah
22 February 2023

Rhye was awesome once again, really appreciate all of the effort he puts in. i would highly recommend anyone looking to re-mortgage to give Rhye a call.

tony
21 December 2022

Rhye truly goes over and above Tailoring a short list of lenders to fit my niche of requirements. Ultimately securing a great rate and package. Saving me thousands

Rob
30 November 2022

We have been using Rhye for many years now and he has always provided the most helpful professional information. Everything has been streamlined and efficient in dealing with Rhye in making any changes to our home loan. I highly recommend him as a broker.

Bec
10 November 2022

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

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

PAYG Self Employed

My monthly income before tax

Rental income

My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

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

Repayment options

Extra monthly repayments

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.

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

Need help with your next home purchase?

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.