Ash Dalla Lana Mortgage Broker servicing Richmond, Hawthorn, Malvern & Surrounds

Call: 0412 809 827

Ash is passionate about providing an outstanding mortgage broking service and consistently strives to exceed customer expectations. “When dealing with lenders, I go in to bat for my clients, negotiating on their behalf to take the stress out of borrowing,” says Ash.

Ash can service all of the inner east, surrounding areas and beyond

Call Us Mortgage Choice Burnley
Office - 0412 809 827

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

Mobile Broker

Mobile Broker servicing Richmond, Hawthorn & Malvern & Surrounds

Latest home loan interest rates

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Comparison rate

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Start your home loan journey today

Services

Loan solutions developed to meet your individual needs and financial circumstances, backed by attentive, responsive service and professional support right through to settlement.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Bridging loans
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)

More information on Ash's service

Ash is an experienced mortgage broker who brings clarity to the process, researches loan options and negotiates with lenders on your behalf. Wherever you are in Melbourne, and whatever type of loan you’re after, Ash provides a mobile service to help you access the finance that’s right for you.

What is your borrowing power?

When you're ready to purchase your property, it's important to have a good understanding of how much you can borrow. We know that finding out how much you can borrow for a property can be a bit confusing, which is why we have some great resources at your disposal.

Feel free to check out our easy-to-use home loan calculators here or get in touch with Ash to discuss your unique situation.

Ready to kickstart your journey to home ownership?

We’ll assist you along the way and do all the legwork for you! Call Ash today on 0412 809 827

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

Ash and his team have been professional, proactive and supportive at all stages of the house buying experience. Helping us navigate from the beginning with prompt input on variable financial and buying options through to settlement on our final purchase. Their complete approach to service has been greatly appreciated and huge comfort to us. We highly recommend Ash and his team to anyone looking to ge... read more

Darryl
04 April 2024

Ash went above and beyond helping us buy our first home. It was a long journey to get there... approximately 18mths and involving a change in jobs more than once and at the 11th hour when our pre-approval was going to expire. Ash did an outstanding job in helping us and getting a reasonable loan with terms and conditions that met our needs. Highly recommend.

Michelle
05 December 2023

Ash went above and beyond to help me and my family get our first home. But on top, he was always available to explain and often calm us down through the journey. If I could give more stars I would. Ash is the only person you need to help you secure your home.

Kalvin
04 December 2023

Ash and his team at Mortgage Choice are responsive, creative and fantastic to deal with. Ash took the time to understand our needs and delivered us a choice of great products - giving us a clear understanding of our options and helping us through the process of initially finding a home loan to suit our needs and most recently on refinancing. Thanks for your brilliant service

Jesse
21 August 2023

I have been lucky enough to be using Ash for the last 4 years - And will continue to do so. Thanks Ash and Team for another great result Always communicating throughout the process and putting in that extra personal touch that you dont get these days from most services. I will continue to support Ash and recommend him to my family and friends

Kyall
02 August 2023

I am thrilled to write this review to express my utmost gratitude to Ash for his exceptional service in helping me successfully refinance my mortgage. From start to finish, Ash and his team demonstrated an unparalleled level of professionalism, expertise, and dedication.
What truly set Ash apart was his meticulous attention to detail throughout the application process. His expertise and personalized... read more

Yohannes
06 July 2023

Thanks Ash for providing a smooth, professional and helpful service when we refinanced. Couldn't be happier with his service. We have used Ash a couple of times ready and will highly recommend using him.

Kate
21 June 2023

I couldn't be more grateful to Ash. He made the whole process of buying out home seamless and dare I say stress free. We felt comfortable and well informed, and like our best interest was always considered.

Ash is knowledgeable, experienced and thoughtful, and put everything in layman's terms - which as a first time buyer was greatly appreciated.

Thanks Ash, I'll be recommending you to everyone and anyone

Ashlea
16 January 2023

We have used Ash as our mortgage brokers several times. He has always been very informative and responsive and we would highly recommend him to others.

Kate
06 November 2022

Ash has been and continues to be our go-to on all things mortgage and refinancing We have been fortunate enough to have Ash support my husband and I in refinancing twice and securing a new mortgage in the last 2 years. Not only is he is an expert as his craft but he is a lovely human to work with. Thank you Ash for your support

Emily
06 October 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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2nd applicant monthly rental income before tax

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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.

Your borrowing estimate

Recalculate borrowing power

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

Repayment options

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?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

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.