Chris King & Byryn Bruce -Mortgage Choice Home Loan Brokers in Malvern, Unley, Burnside, Hyde Park & Suburbs Eastern Adelaide

Call: 08 8272 5010

Looking for a home loan? Talk to Chris & Byryn, your local Mortgage Choice broker in Malvern, Unley & adjoining suburbs.

Call Us Mortgage Choice Malvern
Office - 08 8272 5010

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

Address

309 Unley Road MALVERN, SA 5061

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Start your home loan journey today

Obtaining advice on Home Loans and Investment Loans has never been easier. Our Loan Consultants are available to visit you at your home or workplace at a time that is convenient for you.

Why choose us?

2018 Finalist MFAA Excellence Awards - SA/NT Community Champion Award
2017 Franchise Council of Australia (FCA) State Winner of Franchise Community Responsibility & Contribution Award - Greg Campbell
2015 Dick Gillard Volunteer of the Year - Greg Campbell
2014 State Finalist in the Mortgage Choice Business Excellence Awards - Multi Operator
Mortgage Choice "2200 Club" inductee at the Mortgage Choice National Awards 2013
Mortgage Choice National High Flyer 2011, 2010, 2009, 2008, 2007 & 2006
Franchise Council of Australia State Community Service Merit Award 2011
Franchise Council of Australia (FCA) National Franchisee Community Service Award 2010
Franchise Council of Australia (FCA) National Franchisee Community Service Award 2009
Mortgage Choice Business Excellence Award Winner 2009
Mortgage Choice Business Excellence Award Winner 2007
Mortgage Choice SA/NT Rookie of the Year 2004

Mortgage Choice has established itself as Australia's leading Mortgage Broker. We have access to a large panel of Australia's leading bank and non-bank lenders which allows us to analyse hundreds of products to help you choose the home loan that best meets your needs.

We offer outstanding service, understanding, and above all CHOICE from a panel of Australia's leading lenders.

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 us to discuss your unique situation.

Ready to start your home loan journey with our help?

Find out for yourself why my customers are so happy. I'll make your next purchase an easy one.

Call us on (08) 8272 5010 today.

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

Chris King, Mortgage Choice - Malvern, has been a smooth and seamless experience. Chris' knowledge, professionalism and organisation was paramount to a successful experience and mortgage transition. We highly recommend Mortgage Choice, Malvern.
Kate
13 December 2022

The service from Chris King and the team at Mortgage Choice in Malvern has been wonderful. Thanks team for helping to make our land purchase drama free. Jo Paul
Joanne
29 November 2022

Chris and the team were excellent and attentive. we had a few issues and hiccoughs with the bank but they solved the problems without fuss. I would recommend them to anyone looking for finance
Russell
11 November 2022

We appreciated the willingness to meet our particular needs also some personal insights into your account set up and how to utilise certain features.
PM
02 September 2022

The service provided and willingness to answer any question, no matter how trivial really impressed us. The willingness to work around our schedules for meetings and regular follow ups and progress checks made us feel as if we were more than just a "number". Couldn't recommend Greg, Kristy & the team highly enough!
GW
31 August 2022

Just keep doing what you're doing! Yet again Greg, fantastic, friendly professional service!
J James
16 August 2022

Outstanding service each every time Greg goes above beyond. If you are wanting someone that has got your best interest at heart - you can not go past Greg the staff at Mortgage Choice MalvernUnleyBurnside.
Shane
27 July 2022

You know your stuff, explained things well, and kept me posted on updates.
Donna Martin
14 July 2022

You made the process very good. No stress. No bother. 110%
John & Lisa Rosevear
13 July 2022

From our initial mortgage affordability enquiry, right through to the day of settlement, Greg's expertise, warmth and genuine care made our first home purchase a breeze Nothing was too much trouble, Greg ran multiple scenarios for us to consider all of our options at this major juncture of our lives and took the time to help us really consider our long term financial goals to help our family on our jour... read more
amy
03 July 2022

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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 $650,000.

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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