Home Loans l Mortgage Broker l Mandurah | Halls Head

Home Loans - Mortgage Broker - Mandurah, Halls Head and surrounding areas

Call: 0457 227 227

Looking for a home loan? Talk to a Mortgage Choice's broking expert on 0457 227 227. We service the Mandurah, Erskine, Madora Bay, Lakelands, Greenfields, Falcon, Wannanup, Meadow Springs, South Yunderup and Halls Head areas.

Call Us Mortgage Choice Hamilton Hill
Office - 0457 227 227
Fax - 08 9336 7593

Open Hours Mortgage Choice Hamilton Hill
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
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Let us help you

Mortgage Choice's home loan experts service the Mandurah, Halls Head and surrounding areas to assist the locals with their home loan and financial needs.

Our mortgage brokers will assist you to find a home loan that suits your needs and guide you through the whole process. At Mortgage Choice we look forward to helping you achieve your dream of property ownership.

Our Mortgage Brokers can assist you with the following:-

Purchasing and First Home Owners - Loan and grants
Refinance & Debt Consolidation
Investment Loans
Renovation, Extension & Construction Loans
Commercial Loan
Personal Loans
Car loans
Car Buying Service
Equipment Loans
Loan Protection Plans
Low/Docs Loan (Limited Financial Information required)
Building and Contents Insurance

Our home loan service is at no cost to you

Mortgage Choice's expert brokers, who service the Mandurah & Halls Head areas, offer our home loan expert's advice at no cost to you because the lenders pay us after your loan settles. Each lender pays different commissions but through the Mortgage Choice payment system, we get paid the same rate of commission regardless of which home loan you choose, as long as it's a residential home loan with one of the 20+ lenders on our panel. This ensures our Mortgage Brokers are focused on the right outcome for you.

We can come to you

We will come to your office or home at a time that is most suited to you.

Call us in the office today on 08 6311 9166 or for your mortgage brokers details click here.

To see our full list of services we offer click here.

At Mortgage Choice we service the Mandurah and the Halls Head areas, we also service the surrounding suburbs: Banksiadale, Barragup, Birchmont, Blythewood, Bouvard, Clifton, Coodanup, Coolup, Dawesville, Dudley Park, Dwellingup, Erskine, Etmilyn Fairbridge, Falcon, Furnissdale, Greenfields, Halls Head, Hamel, Herron, Holyoake, Inglehope, Karnup, Keralup, Keysbrook, Lake Clifton, Lakelands, Madora Bay, Mandurah, Mandurah East, Mandurah North, Marrinup, Meadow Springs, Meelon, Myara, Nambeelup, Nanga Brook, Nirimba, North Dandalup, North Yunderup, Oakley, Parklands, Pinjarra, Point Grey, Preston Beach, Ravenswood, San Remo, Silver Sands, Singleton, Solus, South Yunderup, Stake Hill, Teesdale, Wagerup, Wannanup, Waroona, West Coolup, West Pinjarra, Whittaker.

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. ~

Brett provides a fantastic service and is prompt and advises you what is required for a smooth and hassle free settlement. I wouldn’t hesitate to recommend Brett to any of my family and friends.
Fraser & Lee, Swan View, WA
- Refinancer

Brett has been excellent since we switched from another Mortgage Adviser. The mortgage wasn't straight forward but Brett kept us up to date with progress and looked at many options and eventualities. This made the process smoother for my wife and I as first time buyers in Australia. I would strongly recommend Brett and his team and will most definitely be using them again.
Ben & Claire, WANNANUP, WA
- First Home Buyer

I can highly recommend Brett Mallott at Mortgage Choice.
It is wonderful to finally find a broker who is committed to his clients and goes beyond the call of duty. This has been the first time that I have built and the journey has been fought with obstacles. Having a compassionate and understanding broker such as Brett has put my mind at ease, and his extensive knowledge of construction loans and bank procedures has been invaluable.
Andrea, BEELIAR, WA
- Upgrader

With the help of Mortgage Choice our experience of buying our first home was easy. Our consultant Denis was accessible. He helped us navigate through the confusion of mountains of paperwork and decisions, and was always available to talk when we had questions.
Allison, Warnbro, WA
- First Home Buyer

I would highly recommend Brett and Amy at Hamilton Hill to help you with your mortgage requirements. Not only are they great at what they do, they are lovely people as well :-)
Alison & Doug, Leeming, WA
- Upgrader

Our experience with Brett was flawless. His extensive knowledge was such a help to us as first home buyers, and he dealt with our more-than-a-few panicked phone calls with efficiency and professionalism. We would highly recommend Brett to anyone looking for a thorough, attentive broker. Thanks Brett!
Lauren and Arran, Treeby, WA
- First Home Buyer

The service was impeccable and the right product was found for us.
Richard and Leanne, Lesmurdie, WA
- Property Investor

Brett and Lisa were fantastic. Ours wasn't the easiest application in the world, but they made it a relatively stress free and streamlined process. Thank you both for all your help!
Louise & Leif, Success, WA
- Upgrader

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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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 $176,000 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.

The Territory’s First Home Owner Discount has been in place since 8 February 2019. It lets you save up to a maximum of $18,601 on the cost of stamp duty. The savings is available whether you buy a new or established home as long as the home is 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 $15,000 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 $400,000 or less for your block. Whereas if your first home is valued up to $500,000, you pay zero stamp duty. That’s a saving of $8,750, 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 $505,000, you pay stamp duty of $1,050, a saving of $7,875. These savings cut out altogether if your first home costs $550,000 or more. On a property valued at $550,000, for example, the stamp duty would work out to be $10,600.

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 or build a brand new home. You can choose from a house, apartment, townhouse or villa, but you will only be able to claim the FHOG SA if you pay below $575,000 for your home.

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 $20,000 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.