Mortgage broker & home loan expert in Boronia

Your local Mortgage Broker team in Boronia, Ferntree Gully & Yarra Ranges

Call: 0403 778 668

Are you ready to take the next step with your property & finances, but just need a bit of help? You've come to the right place! Dean Yeomans and the team in Boronia & Ferntree Gully can help you find the right home loan and complete the application process - all at no cost to you.

Call Us Mortgage Choice The Basin
Office - 0403 778 668

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

Mobile Broker

Servicing Boronia, Ferntree Gully, The Basin & surrounding suburbs. We come to you!

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

Making the home loan process as easy as possible

Going straight to your bank gives you a limited range of home loan options which might not suit you. It's important to shop around to find the best deal.

While shopping around for your home loan might sound like hard work, we can help! The Mortgage Broker Boronia & Ferntree Gully team have thousands of home loans to choose from. And with over 25 lenders on our panel, you can be sure that we've got you covered.

And on top of finding you a great low rate and features, our Mortgage Broker Boronia team will complete all the paperwork and follow-up for you, so you can spend your time finding a great property - instead of on the phone with your bank.

All at no cost to you

Our home loan service is no cost as your chosen lender pays us a commission after your loan settles. As each lender pays a different commission - we introduced our 'paid the same' approach to ensure our clients know we're focused on the right outcome for you and not for us.

As Mortgage Choice brokers, we're paid the same rate of commission regardless of the home loan you choose from our wide choice of lenders. With other mortgage brokers, that may not always be the case.

Refinancing your current loan

Being stuck in a home loan that no longer suits you is frustrating. You may not have the lowest interest rate or the right features, which could wind up costing you money in the long run. Refinancing could help you switch to something that suits you better and reduce those monthly repayments.

And if you're not sure how your home loan compares, book a free Home Loan Health Check with our mortgage broker Boronia team. We will compare your current home loan with hundreds of others on the market to see if Mortgage Choice can get you a better deal.

The Mortgage Broker Boronia team

Dean and the Mortgage Broker Boronia & Ferntree Gully team are ready to get started on finding you the right home loan, car loan or business loan.

We are mobile and can come to you at a time and place that suits you best. It might be at a local cafe during the day or after the kids are in bed. We're here to make the process as easy as possible for you.

Call the Mortgage Broker Boronia team on 0403 778 668 or click on the Speak to us button to get started.

Get a quick quote

^{The Mortgage Broker Boronia team service the areas of The Basin, Boronia, Ferntree Gully, Lysterfield, Upwey, Belgrave, Coldstream, Healesville, Emerald, Macclesfield, Gembrook, Sassafras, Olinda, Sherbrooke, Monbulk, Mount Evelyn, Yarra Junction, Warburton & surrounds.}

"Truly honest & hardworking, Dean will get you the best of deals available. Highly recommended for any financial help & will go out of his way to help you." (C.Thomas, Yarra Valley)
"Dean goes to great lengths to get things right the first time. I wouldn't hesitate to recommend him to anyone for their finance." (R.Williams, Boronia)

Our range of services

Why Mortgage Choice?

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. ~

Dean is great to deal with. Thank you for all your hard work.
H. Dunn, Mt Evelyn, VIC
- Property Investor

Truly honest & hard working, Dean will get you the best of deals available. Highly recommended for any financial help and will go out of his way to help you.
C. Thomas, Yarra Valley, VIC
- Upgrader

I know Dean well, a top bloke and always very helpful. As honest as the day is long - If you’re looking for a loan - Look no further.
M. Lavale, Ferntree Gully, VIC
- Property Investor

This bloke did a great job for my mortgage and I couldn't have been happier with the results. Highly recommended.
R. Alexander, Boronia, VIC
- First Home Buyer

Dean goes to great lengths to get things right the first time. I wouldn't hesitate to recommend him to anyone for their finance.
R. Williams, Boronia, VIC
- Upgrader

First home buyer's guide

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process.

Download now

Eguide First Home Buyer New Cover 255X360

Help me calculate

More calculators

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

Need help with your next home purchase?

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.

State / Territorial Revenue Web Sites

View