Award-Winning Mortgage Broker in Narre Warren, Beaconsfield, Pakenham, Officer, Clyde & Berwick

Call: 03 9707 1199

Located in the heart of Berwick since 2007, we have an amazing team of Mortgage Brokers in Narre Warren, Berwick, Beaconsfield, Pakenham, Officer and Clyde ready to assist with your first home loan or your seventh.

Give us a call today on 9707 1199!

Call Us Mortgage Choice Berwick
Office - 03 9707 1199

Open Hours Mortgage Choice Berwick
Office Open 8-5 Monday to Friday
Available After Hours By Appointment
Free Appointment

Address

11 High Street BERWICK, VIC 3806

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Home Loan Experts - Berwick, Narre Warren, Pakenham, Officer & Clyde.

Welcome to Mortgage Choice in Berwick – Your Trusted Mortgage Brokers Serving Narre Warren, Berwick, Pakenham, Officer & Clyde

At Mortgage Choice Berwick, we take pride in being your local, award-winning mortgage brokers in the Narre Warren, Berwick, Pakenham, Officer, and Clyde areas. Whether you're a first-time homebuyer or seeking to refinance and consolidate your debts, our team is here to assist you every step of the way.

Why Choose Us?

With over 20 years of combined experience, we possess the industry knowledge to find you the best mortgage deals tailored to your specific needs. Our mission is to build lifelong relationships with our clients, and we achieve this by setting high service standards and consistently surpassing expectations.

Don't just take our word for it – hear what our clients have to say:

⭐⭐⭐⭐⭐ "I would like to take a moment to express my sincere appreciation for the excellent service you and the team at mortgage choice provided from start to finish. Your commitment to understanding our needs and delivering a tailored solution for our refinance was evident from the start.

Throughout the refinance, the coordination among the mortgage choice team members was seamless and the consistent communication and transparency kept us informed and confident throughout the process.

The expertise and passion of all the team members truly stood out, delivering a great end result. I wouldn't hesitate to recommend your team to others seeking similar services.

Thank you again for the outstanding service. We look forward to working with you in the future. Best regards and have a great day."

- Gary & Nardia Lyle

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Our Comprehensive Mortgage Broker Services

At Mortgage Choice Berwick, we offer a comprehensive range of services to cater to your mortgage needs:

Residential Purchase Home Loans
Refinancing Home Loans
Commercial Finance
Business Finance
Auto Finance
Personal Loans
Equipment Finance

Setting Ourselves Apart

What differentiates us from other mortgage brokers is our unwavering commitment to providing exceptional service to each and every client. Here's what you can expect when you choose us:

Regular Updates: We keep you informed with updates every Monday and Thursday, rain or shine.
Availability: Our mortgage brokers are available 7 days a week, ensuring you have access to our expertise when you need it.
Flexible Appointments: We offer appointments at a time convenient for you, accommodating your busy schedule.
Trusted Network: Gain access to our extensive network of trusted professionals, including conveyancers, accountants, building inspectors, and financial planners.
No Charge for Our Home Loan Service: Rest assured, our home loan service comes at no cost to you. We are remunerated by the lenders, allowing you to benefit from our 20 years of industry experience and access to over 300 home loan products from more than 35 lenders, all without any charges.

Supporting First Home Buyers in Narre Warren & Surrounding Areas

If you're a first-time homebuyer, we understand the importance of having a patient and experienced mortgage broker by your side. We assure you that we will answer all your questions, making you feel well-informed throughout the decision-making process. Our team is available during evenings and weekends when you need us the most, ensuring a stress-free home loan experience.

Download our FREE First Home Buyers Guide! This essential resource provides invaluable information for anyone looking to purchase their first home.

Our local area includes:

Clyde
Endeavour Hills
Hallam
Hampton Park
Koo Wee Rup

Our dedicated team also manage Mortgage Choice Frankston, Mortgage Choice Waverley & Mortgage Choice Mornington Peninsula.

To discuss your mortgage needs or schedule an appointment, please reach out to our dedicated team of mortgage brokers:

David Thurmond
Manjula Ezra
Alston Soff
David Lelean
Karley McCahon

Call us on 03 9707 1199 or send us a message via our convenient contact form. We look forward to assisting you on your home loan journey.

Stay Connected

Be sure to follow us on social media for updates, tips, and insights:

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Award-Winning Mortgage Broker | Mortgage Choice Berwick & Narre Warren

Mortgage Choice Berwick & Narre Warren named in the Top 100 Brokers in Australia for 2017, 2018, 2019, 2020 & 2021

Mortgage Choice Berwick - Top 100

How we saved a young family $500 per month.

Refinancing & Debt Consolidations

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

The exceptional team at Mortgage Choice Berwick has been instrumental in our property purchase. We've consistently experienced unparalleled service from David and his team, leaving us completely satisfied. I wholeheartedly endorse them without any hesitation.

ramyar
08 April 2024

Amazing team at Mortgage Choice Berwick. We have used David and his team for 3 purchases and have never been happier with their service. I would highly recommend, without any doubt at all.

James and Terry

Terry
28 February 2024

This is my second time using David and his team to help with my mortgage.

Each time they have all been knowledgeable, helpful and on top of everything.

Special mentions go to Julianne and Taylah who were handling our mortgage this time round. Both friendly, helpful and very professional. Their efforts made the whole process easy and efficient.

Would certainly recommend speaking with them for help with a mortgage.

Andrew
30 January 2024

Honestly the most incredibly helpful and honest humans. I couldnt recommend these guys highly enough. So greatful for all the help they have given me.
Communication has been unmatched Thanks again guys

Morgan
29 January 2024

What an amazing experience We linked in with David Thurmond at Mortgage Choice and he made us feel at ease straight away with the whole process of buying a new house It was our very first home so we had no knowledge of anything really He guided us through each step alongside the rest of the team, Julianna, Taylah, and David Lelean who were also there throughout the process helping with the admin sid... read more

Eliza
16 January 2024

David, Julianna and Taylah were a blessing in disguise. Following a painful marriage breakdown they were the light in the dark guiding me through the process to secure my family home. They were extremely thorough and pursued the best loan for my circumstances. They worked tirelessly securing my new home loan and making sure I was financially secure. I can't thank them enough for their kindness and compassion. I would recommend them above any other brokers.

Janelle
14 January 2024

This is not our first time with Mortgage Choice, Congratulations again for job well done. Special thanks to Manjula Ezra who always shown great skills, expertise and professionalism in assisting us with Refinancing our Home Loan , not only treated us as a client but as a family that we can count on . Well done Mortgage Choice your efforts as a team are much appreciated.

alvin
11 January 2024

Taylah and Manjula worked very hard to get a better rate for us.

Andrew
19 December 2023

This is truly a rockstar service provider. From the 1st day with the exploratory call with David, it has been a fantastic experience with Julianna and Becky. Ours was a very complex case and they were thorough, prompt and always willing to find a solution. We got our approvals within 48 hours once the application went in, thanks to the level of attention that was given. Without a doubt an amazing team thanks DavidJuliannaBecky

Nachiket
01 November 2023

Manjula has consistently been our go-to person for all our property purchase. Her combination of professionalism with a personal touch has meant that we never had to worry about a thing, and her unwavering support has been invaluable throughout our journey.

Deepu
09 October 2023

First home buyer's guide

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process.

Download now

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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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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.

If you buy a home costing up to $430,000, no stamp duty is payable at all. If the value of your home is between $430,000 and $530,000, you’ll be entitled to a reduced rate of stamp duty. There are no additional concessions for homes valued above $530,000 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.