Your local Mortgage Broker & Home Loan Expert 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

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

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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, our Mortgage Broker Boronia & Ferntree Gully team can help!

We over 30 lenders on our panel and thousands of home loans.
We provide expert support throughout the home loan process.
We focus on finding the right home loan, with a low rate & great features.
We do all the legwork and follow-up for you.
Our home loan service is at no cost to you.

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. We love that anyone can access our home loan service, to make choosing a home loan less stressful and more fair for you - the borrower.

Worried about interest rates?

The best way to have peace of mind about rising interest rates is to chat to us! We'll start with a free Home Loan Review to see how your home loan compares to others on the market. We look for lower interest rates, better features & cashback offers.

We're ready to get started

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. We're here to make the process as easy as possible for you.

Call the Mortgage Broker Boronia team on 0403 778 668 or book a call back on the button below.

Call: 0403 778 668 Request a call back

^{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.}

What our customers say

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

Dean made our home buying experience quick and stress free. He was able to find us a good home loan and walk us through all the steps to buying our first home. Highly recommend.

Patrick
17 November 2023

Excellent service and communication throughout.

Chris
31 October 2023

Absolutely fantastic Mortgage Broker to have with me through the entire process of applying for a loan, until settlement. Dean was efficient, knowledgeable, prompt and provided outstanding communication. He was patient with me as I asked questions, and was professional throughout. Dean applied for the loan twice over as the property settlement was delayed for over a year, and I appreciate that Dean s... read more

Elissa
31 August 2023

Hubby and I were looking to change our home loan provider and our neighbour recommended Dean from Mortgage Choice as he, and his extended family, have been repeatedly happy with Dean's quality of service. After meeting with Dean we were assured we were in the right hands, his knowledge and expertise were evident. Dean was quick to find us a new lender in line with what we wanted, with the process being very smooth and without complications or stress. I highly recommend Dean and his team

Rachel
29 July 2023

Dean is fantastic to work with

We are highly appreciative of Deans expertise, professionalism and knowledge. He has assisted us with complex loan structures with absolute ease and is highly knowledgeable with the ins and outs of various options and structures.

We will absolutely use Dean again in the near future and would recommend him to friends and family as we know they would be in very good hands

Andrew
15 January 2023

I cannot recommend Dean from Mortgage Choice in Boronia highly enough. He is extremely knowledgeable, professional, courteous and above all very patient. Not having had to apply for a mortgage for many years I felt quite lost and confused until I engaged Dean's services. He explained everything in a way I could understand and was very patient and helpful when I discovered I needed to go back and borrow m... read more

Kylie Martin
26 September 2022

We used Dean from Mortgage Choice in Boronia to help with finance purchasing our first home. The service was fantastic. Dean was helpful, professional, knowledgeable and went above and beyond for us. He made the whole process an absolute breeze, was always there to answer our questions and was extremely personable. We highly recommend his service and cannot thank him enough!

Stephanie Attwood
26 September 2022

Dean Yeomans did an amazing job for us. I’d highly recommend Mortgage Choice Boronia and Dean Yeomans.

Nathan Hastings
26 September 2022

Dean has helped us twice with our home loans, he took the time to make sure we had the best available deal. Highly recommend.

Ricko
26 September 2022

Hi Dean, Now things are starting to settle down, I just wanted to take a moment to say thank you so much for everything you have done for me and amy. I really do appreciate all the help and support with the process. It was a drawn out process at the start, plus lots of annoying questions I asked. You have helped us with getting into our perfect home, which we really love. Have been singing your praise to... read more

Scott Winder
26 September 2022

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.

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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.

Click here for more information on the WA First home Owner Grant.

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