Multi award-winning mortgage broker in Williamstown, Newport, Yarraville and surrounds

Call: 03 9397 0365

Whether you’re a first home buyer, property investor or looking to refinance, we’re here to help take your wealth strategy further.

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WINNER Franchise Office of the Year Australian Broking Awards 2020 & 2021
WINNER Best Franchise Office VIC/TAS Better Business Awards 2022, 2020 & 2017

Call Us Mortgage Choice Williamstown
Office - 03 9397 0365
Fax - 03 9314 8856

Open Hours Mortgage Choice Williamstown
Monday - Friday: 9:00am - 5:00pm
Free Appointment

Address

39 Douglas Parade WILLIAMSTOWN, VIC 3016

Our goal is simple:

To help you make educated financial choices for a better life

Your expert broking team

Let us help you plan your financial strategy. Our unsurpassed knowledge on lending structures and access to hundreds of big bank and specialist lender loans means that we'll find a solution tailored for your situation.

Work smarter, not harder

From start through to finish we leverage our established lender relationships to take the pain out of the entire loan process - we'll help you manage the paperwork and lender chasing, streamlining the process for you!

No cost to you

Our services are at no cost to you because the lenders pay Mortgage Choice a commission when your loan settles.

Start your home loan journey

Start with a free 1:1 private consultation where your financial professional will get to know your current situation and long term goals before recommending a best path forward.

We ask clients to complete an online Fact Find and submit supporting income, expenses, assets and liabilities information as part of this step. This is so we can get a full picture of your financial story to ensure the strategies and products we recommend are right for your unique circumstances.

Let's catch up to get started. Contact us TODAY for your FREE no-obligation appointment.

What does a mortgage broker do?

Our mortgage broker services go beyond home loans

Home loans
Investment loans
Refinancing
Car loans
Personal loans
Mortgages for the self-employed
Equipment finance
Commercial loans
Insurances
Line of credit loans

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

Hats off to Cody Baxter for a seamless service. Arranged our construction loanmortgage with no fuss or stress,always helpful.
Great service Cody.

Steven
04 March 2024

James Ly his team are awesome to work with. They went out of their way to get things done, great communication and always keep us updated on each stages. Will always go back to them

06 February 2024

I have been very happy with the advice about mortgage options from James Ly.

Katherine
23 January 2024

Second time I come to this specific office of MC refinancing.
This time I had James Ly and Mandy Love handling my case and they didn't disappoint. Prompt replies, clear explanations and attention to detail throughout.
You don't often see local businesses with consistent 5 star ratings, so I can see I am not alone in recommending them.

Alex
15 January 2024

James Ly and Jess Watson were absolute stars and helped us navigate some pretty tricky circumstances that other brokers were either unwilling or unequipped to tackle. Highly recommended

Matt
14 December 2023

We've had the pleasure of working with James Ly the team. They were flexible with our timelines and helped us find a great deal before a tight deadline. They were attentive to our needs and were easy to communicate with. We would recommend them.

Rhys
10 December 2023

Our experience with James Ly was absolutely amazing He went the extra mile many times and was very patient with us. Can't thank him enough for all his help

Diane
10 December 2023

James Ly and Jess Watson were very helpful in helping set up a new mortgage.

Patricia
29 November 2023

Great experience with James Ly and the team. I was expertly guided by James through the process while great care was taken to find the perfect loan for my situation. Really impressed with the prompt turnaround, attention to detail and clear communication throughout. Highly recommend.

Tom
23 November 2023

James Ly and Mandy Love helped us secure pre-approval in lighting fast speed. They helped us through a very efficient evidencing process, were very approachable in answering any questions and on the ball with documentation, reviewing and making sure we got the best deal on the market. Thank you to all the team for working cohesively to make the client experience phenomenal

Clare
14 November 2023

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You could borrow up to

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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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Total fees:

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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.

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.

Click here for more information on the WA First home Owner Grant.

State / Territorial Revenue Web Sites

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Multi award-winning mortgage broker in Williamstown, Newport, Yarraville and surrounds

Our goal is simple:

To help you make educated financial choices for a better life

Start your home loan journey

Let's catch up to get started. Contact us TODAY for your FREE no-obligation appointment.

Our mortgage broker services go beyond home loans

The right home loan for your needs

Client reviews

Help me calculate

How much can I borrow

Stamp duty calculator

Compare interest rates

2nd Applicant

Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

State / Territorial Revenue Web Sites

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