Mortgage Broker Beaumaris, Mentone, Highett, Bonbeach & Surrounds

Call: 0401 134 650

Brooke Alexander is your local mortgage broker from Beaumaris to Bonbeach, Sandringham to Seaford and will give you expert home loan advice. Contact Brooke today to discuss your home loan needs.

Call Us Mortgage Choice Beaumaris
Office - 0401 134 650

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Monday - Friday: 9:00am - 5:00pm
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How can a Mortgage Broker help me? | Beaumaris, Mentone and Highett

As your mortgage broker, Brooke Alexander can offer you convenience! Brooke can offer appointments to you at the time and place that’s convenient for you, including after work hours or on weekends.

This can be a huge benefit if you’re time-poor or have work or family commitments to consider.

We also do all the legwork in finding the right home loan for your needs and support you throughout the entire application and settlement process. This includes doing all the paperwork, sourcing pre-approval, helping you to apply for any government grants or incentives that you may be eligible for, and keeping you up to date with the progress of your application. If you would like to have a chat with our team, book an appointment this week!

Contact our team today!

We can help you get pre-approval!

Did you know that loan pre-approval provides you with conditional approval of a loan amount? Generally speaking, it's based on an assessment of your individual circumstances, needs and ability to repay the loan.

It may be your biggest weapon when it comes to buying a home, as it allows you to understand how much you can borrow and therefore, what you can spend on a property. It also puts you in a stronger position to negotiate with a vendor or bid at an auction, giving you more confidence when it comes to bidding.

As your mortgage broker in Beaumaris, Mentone and Highett, Brooke Alexander can help you organise your home loan pre-approval. Just get in touch with her this week to start the process.

To learn more about home loan pre-approvals, check out our short video below.

If you're ready to speak with a broker who truly cares, then get in touch with Brooke Alexander. Call her on 0401 134 650.

Brooke Alexander can also help you with:

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Beaumaris, Mentone, Highett, Bonbeach and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with us to discuss your unique circumstances.

Frequently asked questions about home loans!

How much can refinancing save me?

To work out what your monthly repayments might be and how much you could save by refinancing, you can use our home loan repayment calculator.

Home loan calculators!

What is stamp duty and how much is it?

Stamp duty or transfer duty as it's sometimes known as is a tax charged for property purchases by each Australian state and territory. Costs can vary from state to state, so it's worth speaking to your mortgage broker in Beaumaris, Mentone and Highett to understand how much it will cost you.

To book an appointment with Brooke, click the button below!

Email Brooke today!

Home Loan Resources

If you're researching the best ways to enter the property market, then you may find our guides useful. Feel free to check out some of our free resources below.

Ready to kickstart your journey to home ownership?

We’ll assist you along the way and do all the legwork for you! Call Brooke today on 0401 134 650.

Get in touch with mortgage broker Brooke Alexander to discuss your home loan needs - 0401 134 650.

Client reviews

Brooke has been a fantastic mortgage broker. She managed to navigate the complexities of my refinancing and secured me a great deal especially given the climate. I am overseas, my property is in a different territory, time differences, changing goal posts were all dealt with and communicated to me efficiently and with humour making what would have been extremely stressful process relatively easy. Thanks Brooke

Georgia
20 November 2023

Brooke was friendly and professional. She was able to assist us with all of our enquiries. Brooke worked through our scenario in a consistent and patient manner and left no stone unturned.

Matt
27 August 2023

Thank you Brooke You were such a pleasure to deal with. Your knowledge and honesty made me feel at ease. I would have no hesitation recommending you to my family and friends

sports
19 July 2023

Brooke was an excellent mortgage broker for me and I would have no hesitation in recommending her to friends and family. She was very well organized, really knew the ins and outs of brokering, gave clear explanations, and provided me all the information I needed to make decisions regarding loan options.

Best of all, Brooke was friendly, very easy to talk to, and made the whole process for me very... read more

Brandon
28 June 2023

Brooke is a knowledgeable, responsive and friendly broker and she has made the finance process very easy to navigate. Brooke answered all my questions throughout the process with patience and good-humour and always kept me updated where things were progressing. It was a pleasure working with Brooke on my first property purchase in Melbourne and I look forward to working with her in the future - Highly recommend

Samantha
15 May 2023

Brooke has been a great Mortgage broker.
I had a quite a unique situation with finances, Brooke was very helpful in researching the ins and outs and all that was required to get me across the line with the banks.
Brooke was flexible with working hours, communication methods, email, text, WhatsApp and was more than happy to help out with any questions day or night.

I would happily recommend Brooke to any friends and family.

Joel
04 April 2023

Brooke Alexander expertly supported us through the home loan process until the eventual settlement of our loan. She was responsive, knowledgeable and very helpful in getting our loan through, even with some complex hurdles. We highly recommend Brooke, you will be in excellent hands

Alicia
07 February 2023

Brooke was amazing to work with on my mortgage application as a first home buyer. Super flexible with availability for meetings and very responsive. The whole process ended up being a lot easier and smoother than I expected

Mitchell
11 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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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.

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.