Gavin Rushack Mortgage Brokers in Wembley, Floreat, Churchlands, Daglish & surrounds

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Call: 08 9389 4930

Gavin and the team at Mortgage Choice Wembley have well over 50 years combined experience in lending, and pride themselves on their impeccable ethical standards and reliability.

“I am passionate about helping borrowers find the right loan solutions so they can achieve their financial dreams,” says Gavin. “My team and I are completely committed to giving objective, trustworthy advice every time.”

Gavin is fully mobile in the Perth metropolitan area.

Call Us Mortgage Choice Subiaco
Office - 08 9389 4930

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

Address

Level 1, 350 Hay Street SUBIACO, WA 6008

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Services

Whatever your borrowing requirements may be, Gavin works with a focus on your individual circumstances and objectives to find the finance solution that’s the right fit for you – now and into the future.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Bridging loans
Reverse mortgages (Referred to third party)
Personal Loans
Car and asset finance
Commercial property finance
Business loans

Other areas I service

Professional, informative and dedicated to your financial success: Gavin’s expert advice and guidance are aimed at simplifying your borrowing experience while securing a positive outcome.

Gavin is based in Wembley and offers a mobile service to clients all over Perth.

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Wembley, Floreat, Churchlands, Daglish 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 or get in touch with us to discuss your unique circumstances.

Ready to kickstart your journey to homeownership?

We’ll assist you along the way and do all the legwork for you! Call us today on 08 9389 4930

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

My experience with myself and my wife’s Adviser was always helpful,reliable and got us a great home lone deal to suit us.I would highly recommend smartline. Darryl

Darryl
31 August 2022

I have been dealing with Gavin for the past 10 years and his customer service skills are excellent and exceptional and he always puts the customers first.

Harminder
29 August 2022

Gavin was excellent throughout the whole process. He was extremely knowledgeable in our initial meeting any the borrowing options available to me, and he was very accessible throughout the finance approval process and settlement. I would highly recommend his services to friends and family.

David
31 May 2022

Gavin is a very diligent, personable professional whom I have used as my broker for many years. I highly recommend him. Thanks for your continued support.

Sean
01 April 2022

Gavin was so great in helping us not only successfully purchase our first home, but also in assisting us with a loan for renovations and home improvements. Honestly could not have done this without his expert advice! Would highly recommend Gavin's professional assistance to anyone looking for mortgage or loan advice. Thanks Gavin!

Molly
04 March 2022

Gavin was excellent. He made the process very easy for us. He went out of his way to explain everything to us and he was always available to answer questions. Most importantly, he sourced a great finance option for us which allowed us to buy the house we wanted.

Michael
02 February 2022

Gavin Rushac was an exceptional adviser. No amount of words can ever tell you the amazing service Gavin provided. From day one Gavins service was professional and informative. The service he provided was out of this world. I have already recommended him to two of my friends. Thank you to Gavin Rushac and Smartline for making buying a house a smooth and carefree process.

Michelle
29 January 2022

Gavin Rushack is an amazing person who took most of the finance arrangement responsibility for my first home loan from the bank. As a first home buyer, I had no experience from where to start, Gavin guided me for each step, provided me customized opinions based on my circumstances for a home loan, and was very friendly and honest in conversation. He kept me informed of the progress of each step that he had to perform,... read more

Muhammad
07 November 2021

Very smooth process for two time-poor parents with Gavin Rushack. We particularly appreciated his ungrumbling accommodation of a last-minute change to fix part of our mortgage. We continue to recommend him to others.

Timothy
30 June 2021

Gav was really helpful, efficient and very pro-active. He kept us informed all the way through, making the whole application very simple. Best of all he looked over our whole finances and arranged a reduction in our original loan rate - Brilliant!

Simon
24 May 2021

Michael has been readily accessible and has helped us find a loan source which we were unable to obtain through our own bank. Very pleased with the outcome.

Michael
16 February 2017

I\'ve known Mike for many years so may be biased in my ratings but never had an issue with my transaction .

PETER
18 August 2016

I am most appreciative to Michael for the support he has provided to me on this, and other occasions in the past. Thank you!

Penny
03 January 2016

Michael Rushack has always been the best advisor to deal with, he is highly professional and always attempts to answer our million and one questions. We would recommend him to anyone who asks!

Greg
22 October 2015

I found Gavin to be very punctual and always following through with things he said he would do.

Brodie
10 October 2015

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

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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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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.

Gavin Rushack Mortgage Brokers in Wembley, Floreat, Churchlands, Daglish & surrounds

Start your home loan journey today

I want to buy a home

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I'm considering refinancing

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Other areas I service

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Ready to kickstart your journey to homeownership?