Your home loan expert: Mortgage broker in Rosanna

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Ashley Arrowsmith

Mortgage Choice Watsonia North, mortgage broker and home loan expert for Heidelberg, Rosanna, 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 Us
Mobile - 0425 826 967
Office - 03 9432 2121

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

Address

Level 1, 116 Lower Plenty Road ROSANNA, VIC 3084

The home loan expert who works for you

Ashley and the team at Mortgage Choice Watsonia North 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 20 of Australia's leading banks and lenders, you can rely on the Mortgage Choice home loan specialists at Watsonia North 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 Watsonia North 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 new 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 Watsonia North today on 0425 826 967 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. ~

Google Reviews

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We have recently restructured our home loan ,and with many options to be considered we are very happy with the loan set up we have inplace now. Ashley is fantastic. We were impressed with his knowledge of the banking products available and how quick he would respond to our emails and keep us informed with the application process. I have already passed his number to friends and will continue to do so. And a big thankyou for the wonderful gourmet hamper we received! it was totally unexpected.
Annette and Chip, Coburg, VIC
- Refinancer

Ashley's service was great. He kept us up to date and informed in a timely manner. Gave us heaps of information and pointers, which given this was our first home was extremely useful. We would use his services and recommend them to friends with no reservations. Thanks Ash.
Nick and Ainsley, Ivanhoe, VIC
- First Home Buyer

After meeting with 3 mortgage brokers we found Ashley by far the best. He is clear in explaining the process involved with getting a home loan and worked hard to give us many different and workable options to suit our needs. Thank You
Chantelle, Yallambie, VIC
- Property Investor

My partner and I contacted Ashley for assistance with purchasing our first home. We were very happy with the service we received. Ashley was prompt and professional. He was also very patient with us as we are very new to the housing market. Thanks Ashley!
Leigh, Heidelberg, VIC
- First Home Buyer

Our second experience with Ashley. He is a very personable person with a stress free no pressure approach. He helped us with the purchase of our next project, which was not a straight forward process but made it very easy. Thanks Ashley, I would recommend you to anyone looking for assistance
Mark, Rosanna, VIC
- Property Investor

Ashley was excellent. He went above and beyond in assisting us to ensure the whole process went smoothly. He was very flexible and always worked in with us and we will definitely be highly recommending him to anyone looking to buy a home. Thanks again Ashley.
Sian & David, Richmond, VIC
- First Home Buyer

Ashley's service was great. He kept us up to date and informed in a timely manner. Gave us heaps of information and pointers, which given this was our first home was extremely useful. We would use his services and recommend them to friends with no reservations. Thanks Ash.
Nick & Ainsley, Ivanhoe, VIC
- First Home Buyer

Ashley was excellent and found something that worked in with our needs and found us exactly what we needed. He was very patient with the process and flexible. He made the whole process extremely easy for us and always worked in with us and we will be recommending him to other people.
Katie & Paul, Frankston, VIC
- Upgrader

We got in contact with Ashley after being told by 2 other mortgage brokers and a bank that we couldn't buy the house we wanted. Ash was able to get us a loan for the house we wanted, and made the process stress free. Everything was explained clearly so we could understand what was going on during the application process. Thanks again Ash
Justin and Adele, South Morang, VIC
- Upgrader

A friend put us on to Ashley to refinance as we weren't happy with our bank. Ashley not only found the best loan to suit us he organized it all without any stress. He was really helpful professional friendly and made everything easy to understand. The whole process went smoothly and we highly recommend him and will certainly call on him again if needed in the future. Thanks again Ash.
Chris & Vicky, Diamond Creek, VIC
- Refinancer

I highly recommend Ashley. He was prompt to respond to my (numerous) emails and calls and explained the process thoroughly.
Jess, Greensborough, VIC
- First Home Buyer

Ashley was great! He was thorough and informative, very important for us first home buyers! He also went out of his way to meet with us even though we lived pretty far away. The whole process was easy and I'd certainly recommend him to anyone in the market.
Chris & Whitney, Macedon, VIC
- First Home Buyer

Ashley's knowledge of the available products has allowed my husband and I to make investments we would not have been able to had we simply gone to one bank. This, combined with Ashley's relaxed and friendly demeanour has made our experience with him entirely positive.
Claire & Sam, Ivanhoe, VIC
- Property Investor

Ashley has been fantastic to deal with over the last few years... We have had a very long settlement and he's been there every step of the way with great advice and the best possible deals he could get us. Very happy with our service and will be using him in the future also.
Kate & Ryan, Lower Plenty, VIC
- Upgrader

Ashley’s knowledge, professionalism and ability to assist with a wide range of questions throughout our recent purchase made the entire bank process an easy one. Thankyou for fitting into our busy schedules and answering the various questions we had throughout the process. If you’re looking for a broker who will assist with trying to find a bank deal that works for you then Ashley is your man. Highly recommend and we will definitely use in the future.
Joel & Lizzi, Greensborough, VIC
- Upgrader

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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 Melbourne. Or you can receive a FHOG of $20,000 if you buy/build a new home in regional 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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Mortgage Choice Watsonia North, mortgage broker and home loan expert for Heidelberg, Rosanna, Macleod, Ivanhoe and surrounds.

Rosanna

No hassle. More home loan choice.

Let's meet

Enjoy the process of finding your perfect home or investment property

The right home loan for your needs

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