Mortgage Choice in Rosanna - Ashley Arrowsmith. Mortgage broker and home loan expert for Rosanna, Heidelberg, Watsonia North, Macleod, Ivanhoe and surrounds.

Call: 0425 826 967

Looking for a home loan? Talk to Ashley Arrowsmith your local Mortgage Choice broker servicing Rosanna, Watsonia, Macleod, Heidelberg, and surrounds.

Call Ashley at Mortgage Choice Rosanna today on 0425 826 967 or use the 'Book a meeting' link on this page.

Call Us Mortgage Choice Rosanna
Mobile - 0425 826 967
Office - 03 9432 2121

Open Hours Mortgage Choice Rosanna
Mon - Fri : 9am - 5pm
Sat & Sun by appointment
Free Appointment

Address

Level 1, 116 Lower Plenty Road ROSANNA, VIC 3084

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Start your home loan journey today

The home loan expert who works for you

Ashley and the team at Mortgage Choice Rosanna are experts at helping home buyers just like you achieve their dreams.

Talk to us whether you are:

A first home buyer
Seeking next home finance
Refinancing your current loan
Investing in property
Topping up your existing loan
Looking to buy a new car

With access to over 35 of Australia's leading banks and lenders, you can rely on the Mortgage Choice home loan specialists in Rosanna to pinpoint the home loan that's ideal for your goals and budget.

We can also assist you with car and personal finance and look after all your insurance needs.

No hassle. More home loan choice.

As your home loan experts, Ashley and Mortgage Choice Rosanna make your next loan easy with a proven 5-step process:

We work hard to understand and analyse your home loan requirements
Next, we filter through hundreds of home loan options on the market to find the loan(s) that most suit your individual circumstances
We'll work through the entire application process alongside you until the loan is settled
We can even liaise with your lender, conveyancer or real estate agent on your behalf
Finally, we'll stay in touch to ensure your home loan continues to be the right choice for you.

Our specialist knowledge could even save you money in mortgage costs.

Best of all, at Mortgage Choice our home loan service doesn't cost you anything because the lenders pay us.

Let's meet

Our office is located at Level 1, 116 Lower Plenty Road, Rosanna 3084, call us today on 0425 826 967 to make an appointment.

Enjoy the process of finding your perfect home or investment property

Yes, it can be done! Discover how, call Ashley at Mortgage Choice Rosanna today on 0425 826 967 or use the contact link at the top of this page.

Ashley has recently been awarded 'Community Hero' by the Today Show and his local community.

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

Ashley has just helped me with the purchase of my first home and he was wonderful from start to finish - from the initial phone call where I was seeing what I could afford right through to settlement. He always kept me updated and answered all my silly questions. I would definitely recommend Ashley. Thanks for all your help with this big step in my life

Bec
20 November 2023

Ashley provides such an amazing service that you would never, ever consider going anywhere else.

izzy
25 September 2023

Ashley was excellent at answering any and all questions. He never rushed me and always made sure I fully understood every step of the process. Very easy start to finish. Would highly recommend.

Thomas
19 September 2023

It was pleasure working with Ashley, very professional and easy to talk to. Thank you heaps for your help and getting us a good deal.

Ola
05 September 2023

Ashley has helped me with a number of home loans over the years. He is always very helpful and does a great job. Highly recommend his service.

Adnan
29 August 2023

Ash was great, very easy to deal with and highly recommended buying a home with him.

jake
24 August 2023

Ash helped us sort out our house car loans easily and painlessly. He made sure we got the best deal and didn't get in over our heads. I trust him 100 with all my finance needs. Thanks Ash

Anna
24 August 2023

I have used Ashley twice now for refinancing and for both transactions Ashley was quick to act, informative and achieved the best result possible.

Andrew
31 July 2023

Just a good, authentic, honest broker. No magic tricks, nothing hidden, very professional and accommodating in terms of meeting times, silly questions, etc. I highly recommend Ashley.

David
23 July 2023

Thanks Ashley, for being very responsive and guiding me through the process. Appreciate all your help Cheers

Bryan
19 July 2023

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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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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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.

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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.

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

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