Riley Capararo

Riley Capararo Mortgage Broker in Subiaco, Shenton Park, City Beach Jolimont & surrounds

Call 08 9381 9766

Riley is a dynamic and engaging mortgage broker who helps people achieve their property goals. Offering a wealth of experience in lending, as well as a friendly and personable manner, Riley will take care of every facet of your home loan – from application, all the way through to approval, regardless of the size of the loan, or challenges involved.

Call Us Mortgage Choice Subiaco
Office - 08 9381 9766

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

Address

5/245 Churchill Avenue SUBIACO, WA 6008

Latest home loan interest rates

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Services

“Service with style”: Fiona’s in-depth knowledge, experience and commonsense advice means you can rest assured you are in the right hands. Whether you’re seeking your first home loan or funding a property portfolio, Fiona will carefully develop a competitive, sustainable lending solution to help you get there.

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

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 0417 983 987

Other areas I service

Fiona’s award-winning mortgage broking service is based in Subiaco in Perth’s west. She can assist clients in Subiaco and its surrounding areas, including:

Shenton Park
Floreat
Nedlands
Wembley
Doubleview
Mt Hawthorn
Northbridge
North Perth
Leederville
Stirling
Fremantle
City Beach
Mt Claremont
Jolimont

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Subiaco, Shenton Park, City Beach Jolimont 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 (link to calculators page) or get in touch with us to discuss your unique circumstances.

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

I had a great service from Fiona. She went above and beyond to find a mortgage lender for me and ensured we could secure the property which is now our family home. Highly recommend Fiona and her team.

Graham
01 August 2023

Great service as always from Fiona and the team

Darryl
23 July 2023

It pays to shop around for a better mortgage deal and I didn't hesitate to return to Fiona Dempsey and the team at Mortgage Choice.
Fiona's attention to detail and seeking the best offer for me and my circumstances made the whole process stress free.
Fiona and her outstanding team provided the best professional service and in a timely manner.
I can highly recommend Fiona Dempsey and her team at Mortgage Choice, Subiaco and will continue to review mortgage options as the market changes.

Jennifer
30 June 2023

First home buyer and admittedly a fairly high maintenance one. It took me 8 months and 5 offers to finally get one accepted. Throughout the whole process our personal circumstances have changed on many occasions along with interest rates and Fiona and her team have not waivered once in their patience, support and generosity of time, to help us through it all. Fiona came highly recommended from my brot... read more

Luke
26 May 2023

Fiona and her team are fantastic and we would recommend Fiona to anyone seeking assistance with a home loan. Her advice and guidance was incredibly useful and helped ensure the process was smooth and without stress. Fiona and the team are always responsive, timely with their assistance and a pleasure to deal with.

Daniel
29 March 2023

Fiona and her team were excellent to work with from start to finish. This was my second time seeking Fiona‘s assistance with obtaining home loans, and my partner and I returned to her services because of my excellent experience the first time round. Fiona and her team were consummate professionals, providing us with all the information we needed to make informed decisions, and were responsive to all of our querie... read more

Claire
19 September 2022

Fiona Dempsey and her team were exceptional on every level in securing me my new mortgage loan. It was a complex and lengthy process but her advise and decision making was excellent resulting in a great outcome. I cannot recommend Fiona and team highly enough.

Renee
31 August 2022

Thank you Fiona, Simona and Linlee.
From the start the smart line team had my best and future interests at heart. Not only did I get the best package, great advise, and CUSTOMER SERVICE, but the whole process was made easy and explained in terms I understood.
See you when it’s time to purchase my next house or refinance this one.

Thank you once again ????

Francesco
06 August 2022

Fiona and her team once again managed my remortgage. I returned due to my previous experience and was not disappointed. There were a few challenges (from my now ex bank being difficult and the current bank requesting the wrong document) along the way, but the team handled these for me and my the new communication/upload system ensured all comms and documents required were swiftly seen and responded to from both s... read more

Michelle
25 July 2022

Being the Covid era, Fiona took us through the process remotely explaining each stage as it happened.
A very good overall experience!

Iain
01 June 2022

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
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Remaining

Based on standard variable rate over years.

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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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First Home Buyer?

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Total fees:

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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.

Riley Capararo Mortgage Broker in Subiaco, Shenton Park, City Beach Jolimont & surrounds

Start your home loan journey today

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