Mark Cleland

Local Mortgage Choice Broker, for the eastern suburbs of Melbourne.

Call: 0447 366 312

Need financial assistance? Talk to Mark Cleland, your local Mortgage Choice Maroondah broker.

Call Us Mortgage Choice Ringwood North
Office - 0447 366 312
Fax - 03 9012 7842

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

Address

PO Box 2116 RINGWOOD NORTH, VIC 3134

Latest home loan interest rates

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Comparison rate

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Start your home loan journey today

Buying a property is one of the biggest financial commitments you’ll make. Whether it’s your first, second or tenth purchase, you’ll have the same important questions and decisions to make and that's where we can help you!

Our team of brokers from Mortgage Choice Maroondah and Croydon are here to make it simple. As part of the service we offer, we will meet with you to discuss your personal situation. We take the time to explore your individual circumstances and goals to identify the right loan option for your needs.

Why use a mortgage broker in Maroondah?

As your local Mortgage broker, we can remove the time, hassle and confusion that often come with finding a home loan.

Our job is to:

Understand and analyse your personal home loan requirements
Filter through the hundreds of home loan options on the market
Find the one(s) that most suit your individual circumstances
Work through the entire application process alongside you right through until settlement
Be available long-term to help you reassess your home loan as and when your circumstances change.

With our assistance, you can be confident of making an informed choice and finding a home loan that fits with your particular financial situation and property aspirations.

We can help you find and secure many types of home loans including loans for:

First Home Buyers
Car Loans
Investors
Refinancers
Debt Consolidation
Construction
Business Owners

Hear what some of our customers have to say!

How much can I borrow for a property?

Our home loan service is no cost to you

At Mortgage Choice, our home loan service doesn't cost you anything because the lenders pay us.

Why work with Mortgage Choice Maroondah?

Mark Cleland from Mortgage Choice Maroondah is a local resident, with a commitment to the local community. Mark will take the time to understand your particular needs when it comes to getting a mortgage or refinancing.

Mortgage Choice Maroondah & Croydon has access to dozens of banks and lenders, and our team of mortgage brokers are up to date with all the latest product offerings, rates, structures and fees.

Contact Mortgage Choice Maroondah today

Servicing the Ringwood, Donvale, Croydon, Lilydale, Kilsyth, Warrandyte, Mooroolbark, Park Orchards, Hurstbridge and surrounding areas - contact us for a no-obligation chat about getting the mortgage you need.

Phone us on 03 9897 3729 or 0447 366 312, or use the contact link at the top of this page.

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

Best mortgage broker in Melbourne. Thanks Mark.

Lisa
22 March 2024

Very easy to deal with.

David
23 January 2024

I greatly value Mark's knowledge of the market and ability to get results for his clients. Their car buying service which I used is excellent

Richard
14 November 2023

Mark was fantastic at reviewing our finances and really helped us out

Haydn
14 November 2023

Thank you Mark for helping me secure my first home at such a crazy time in the market
His ability to answer any and all enquiries, stupid questions and knowledge in the industry makes the process very clear.
A home loan application process is not an easy or straight-forward one but with Mark's help and support we made it work.

Thanks again Mark. Will definitely recommend.

30 July 2023

Mark is outstanding to deal with and always loves a joke
Professional and high attention to detail is what makes him the best

Emily
08 July 2022

Great mortgage broker.
Easy to deal with , has your best interest at heart and is up to date with the latest statistics.

Rowan
15 April 2022

Awesome Mortgage broker .
He helped us to know whats the best investment and he was there for us to get the deal sealed .
Without him we would not have achieved what we did .
Thanks mark . I recommend him heaps

Seshadri
15 March 2022

Mark is fantastic to deal with

Matt
15 March 2022

I have worked with Mark Cleland from Mortgage Choice and seen his ability to understand his client's needs. He is very knowledgeable and helpful. A number of friends have got their mortgages through Mark and his connections through Mortgage Choice.

Amanda
15 July 2021

Refinancing guide

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

Download now

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Calculate

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.

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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

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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?

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Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
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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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Local Mortgage Choice Broker, for the eastern suburbs of Melbourne.