Daryl Clark from Mortgage Choice in Somerville & Mornington Peninsula

Call: 03 5977 3870

Looking for a home loan? Talk to Daryl Clark, your local Mortgage Choice broker from Langwarrin South, VIC. Let him research and compare over 20 lenders for you.

Call Us Mortgage Choice Somerville
Office - 03 5977 3870
Fax - 03 5977 3869

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

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Daryl Clark - Servicing Mornington Peninsula and Langwarrin

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Mortgage Choice in Mornington Peninsula

Looking for a property loan could be the single biggest financial decision of your life, but it is more than just looking for the cheapest interest rate or the cheapest fees.

Obtaining the right style of loan for your particular circumstance is just as important as the interest rate. A flexible loan or perhaps a fixed rate loan, can greatly assist you with life whilst you work toward achieving financial security.

You may have a few questions about your loan decision:

How much can I borrow?
What deposit do I need?
Should I borrow interest only?
Should I place my salary into my home loan?
Is using a credit card what I should do?
Negative Gearing?
Offset or redraw?

All these questions can be easily answered with an understanding of your financial situation and future objectives. Let our experience make it easy for you.

No matter whether you are looking for a home or an investment property, or borrowing $50K to $1.0M or more, we have the expertise to ensure you get it right.

Mortgage Choice in Mornington Peninsula can help you with:

Home loans
Investment loans
Refinancing and top ups
Car loans
Personal loans
Commercial loans & equipment finance

Contact us today

Please arrange a consultation by phone, fax or email on the following: Phone: 03 5977 3870 or 0413 751 568

Email daryl.clark@mortgagechoice.com.au

A little information on me:

Over 20 years experience in commercial and consumer finance with one of Australia's leading top four banks. I have been a franchise owner with Mortgage Choice since 1999.

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

Daryl was a delight to work with, he was clear and made the whole process flow
He even fixed my printer
And to boot hes a really nice person
Would highly recommend

Sandy
17 March 2024

Strongly recommend Daryl Clark.He instills confidence, has excellent communication skills, is supportive and reliable.Daryl always follows up phone calls and answers any questions.He is trustworthy and genuine . Many Thanks

Jill
17 March 2024

Daryl has been our broker for 15 years - We keep coming back to Daryl for
our home loan and investment loans. He has always been honest in his advice
and his industry knowledge has always given us the best deal. He has always
conducted business with integrity. I highly recommend Daryl

Eleanor
12 March 2024

Daryl was fantastic with my refinancing. Incredibly efficient and thorough. I highly recommend him

Ashleigh
12 February 2024

As a first home buyer it is safe to say I have had no idea what I am doing and needed a lot of guidance and assistance throughout the process of purchasing my first home. Daryl has been amazing throughout the whole process, assisting me with all my questions, guiding and capacity building me to understand and action what is involved. Would highly recommend Daryl to anyone, particularly first home buyers like me looking for someone they can trust to guide them through this process.

Olivia
27 December 2023

Cannot speak highly enough of Daryls work with us. He was thorough from the start which meant that we didnt need to keep having to obtain more paperwork He was communicative throughout the entire process and understood the sensitive timeline that we were on. He got us a great deal. We will definitely be using him again.

Dionne
26 December 2023

Im an extremely difficult client with limited knowledge of how to buy a house. Daryl was a rock all the way through, dealing with a trust for a deceased estate was enough to make me want to rip up contracts several times.Daryl made it possible, having to make multiple changes daily to appease the vendors. Would never go anywhere else.

Benn
28 November 2023

I have used Daryl Clark as my mortgage broker for over 25yrs.
His experience in the banking sector is a total asset and his understanding on the internal workings of the banks is definately a bonus when it comes to getting things approved.
I would highly recommend Daryl to anyone looking to get a loan or re financing an existing loan
Easy to talk to and a total gentleman.
5 Stars all the way.

saki
15 November 2023

I approached Daryl feeling overwhelmed by the prospect of refinancing. From the first chat on the phone to the final stages, Daryl has been beyond helpful. He provided clear, honest and impartial advice in a way that made me feel reassured and confident that I was making the best possible decisions for my future. I cant thank Daryl enough for his guidance through this process.

Melissa
10 November 2023

The service provided was professional from start to finish. Daryl is very easy to work with, and a stalwart of the industry and he had great advice and knowledge of all aspects of the purchase process. The process was smooth sailing start to finish. BZ to Mortgage Choice and Daryl.

Matthew
08 November 2023

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

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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.

Daryl Clark from Mortgage Choice in Somerville & Mornington Peninsula

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