Your local Mortgage Broker & Home Loan Expert in Frankston, Carrum Downs, Langwarrin & surrounds

Call: 0499 999 956

With over 30 lenders on our panel, Mortgage Choice Brad Kirby in Frankston give everyday Australians access to thousands of home loans, as well as expert advice to guide you through the process. Our free Home Loan service means we'll do all the research & paperwork on your behalf - at no cost to you.

Call Us Mortgage Choice Frankston South
Office - 0499 999 956

Open Hours Mortgage Choice Frankston South
As a mobile Mortgage Broker, I can come to you at a time & place that suits you best. I am available weekdays, evenings & weekends.
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We service the areas of Frankston, Carrum Downs, Langwarrin & across Victoria.

Latest home loan interest rates

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Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

Get a Home Loan Expert in your corner

We know that many people feel overwhelmed by the home loan process. That's where we can help! Mortgage Choice Brad Kirby in Frankston offer a free Home Loan service to help you find a great home loan: we do all the research, paperwork and negotiation for you at no cost.

We love helping everyday Australians feel confident throughout the process, knowing they have an expert team to back them up.

We chat with you to find out what you want from your home loan & chat you through borrowing power & repayments.
We then do all the research from you from over 30 lenders.
We complete the paperwork & submit to the lender.
We negotiate & liaise with the bank on your behalf.
We follow your home loan through to settlement to make sure everything is running smoothly.

A home loan that fits you

Many people go straight to their bank for their home loan, which gives them a very narrow range of home loan options. In contrast, we have over 30 lenders on our panel - including the big banks - giving our customers thousands of home loans to choose from.

And the best news is, our home loan service is available at no cost! We offer a free service because your chosen lender pays us a commission when your home loan settles. It's one of the reasons we love being mortgage brokers: we can help anyone who needs support.

Contact Mortgage Choice Brad Kirby in Frankston

As your local Mortgage Broker in Frankston & Carrum Downs, we would love to provide our expert advice & support to get you into your next home, investment property or business. As a mobile mortgage broker, Brad can come to you - making the home loan process even easier.

Call Mortgage Choice Brad Kirby in Frankston today on 0499 999 956 or book an appointment below.

Book an appointment Home Loan Quick Quote

^{We service the areas of Frankston, Patterson Lakes, Seaford, Frankston North, Frankston South, Tooradin, Carrum Downs, Langwarrin, Lydhurst, Cranbourne, Pearcedale, Skye & across Victoria.}

How much can I borrow?

What is a home loan pre-approval?

When should I refinance?

See our property videos

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

Brad was so helpful with the process of applying for my home loan, finding the best rate, getting it all approved. But most of all answering all my questions promptly. He has also previously helped me out with a personal loan and re financing. I cannot recommend him enough I will never use anyone else to help with my finances in the future. Well deserved 5 stars

Lisa
26 June 2024

Working with Brad as our mortgage broker was a really great experience from start to finish, we approached Brad based off a review for assistance with purchasing our very first home early in 2024.
Throughout the process Brad was really understand and realistic of the length of time this process may take due to my unique financial circumstance and always demonstrated a high level of professionalism, expe... read more

Amy
24 May 2024

Brad was very informative and understanding of my situation. He explained things that I was not familiar with and gave me good advice

Megan
22 May 2024

I recently had the pleasure of working with Brad, and I couldn't be more impressed with the exceptional service I received. From start to finish, Brad demonstrated professionalism, expertise, and a genuine commitment to ensuring I secured the best possible mortgage deal.
Right from our initial consultation, Brad took the time to understand my financial situation and requirements. His depth of knowledge... read more

Natasha
14 March 2024

great service all throughout the process

Rahmat
18 December 2023

If you want a worry free and smooth transanction as a first time home buyer, I highly recommend Brad Kirby. He will update you every step of the way from securing the best home loan until settlement. What a stress-free journey Thank you Brad for helping my family secure our first home.

Raymund
07 December 2023

Brad has been so easy to deal with. He answers every phone call, and is quick to resolve any issues. This is my 4th home purchased and the first time using Brad. I wouldnt use anyone else again. He is the best broker Ive used. He made the process simple and easy. Highly recommended

Mel
05 December 2023

Was the quickest and easiest re-finance I have ever done.
Was a pleasure to deal with Brad from mortgage choice.

Glenn
31 October 2023

Cannot recommend Brad enough He has been an absolute pleasure to deal with, answering all my questions promptly and communicating with me every step of the way. He has made what can be an extremely stressful time, a breeze. Thank you Brad

Frances
31 August 2023

Brad found the right products with the right lenders for my particular needs. The process was smooth. He understood from the start what I needed and we planned around financials cleverly to achieve my goals. Thank you for a great service. AT

B
20 August 2023

Property Ownership

This guide outlines the essential steps to achieving property ownership, starting from the first appointment with a mortgage broker all the way to settlement.

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You could borrow up to

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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.

From 09 May 2024, if you buy a home costing up to $450,000, no stamp duty is payable at all. If the value of your home is between $450,000 and $600,000, you’ll be entitled to a reduced rate of stamp duty.

There are no additional concessions for homes valued above $600,000 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.