Gina MacKichan

Your local Mortgage Choice brokers & home loan experts | Canning Vale, Cockburn & Atwell

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Call: 0414 756 049

Are you confused by the home loan process? Or not sure where to start?

Our team at Mortgage Choice in Canning Vale, Cockburn & Atwell are here to help!

Call Us Mortgage Choice Canning Vale
Office - 0414 756 049

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

Address

Suite 16, 2 Batman Road CANNING VALE, WA 6155

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Start your home loan journey today

We're here to help at every step of your home loan journey

Our team of mortgage brokers are with you every step of the way from finding the right home loan to settlement and beyond.

We make the process easy

You may be looking at your first home loan, investment property or car loan, but the journey can be complicated and it can be hard to know where to start.

As mortgage brokers, we help you find the right home loan from our panel of over 20 lenders, comparing hundreds of home loans with your goals to find the right one for you.

We then put together the paperwork for you and submit it to your chosen lender following up and keeping you informed the whole way through. In fact, we help you right through to you settling your loan and receiving the keys to your new property or car.

Our home loan service is no cost to you

Mortgage brokers are paid a commission by the lender after your loan settles, so our home loan service is no cost to you.

We have an award winning team

Our main focus as a mortgage broker team is to help our clients find the right home loan or finance solutions. But it's such a compliment to receive awards for doing what we love!

Helping you make better financial choices

At Mortgage Choice in Canning Vale and Cockburn, we believe that making better financial choices now can lead to a better life.

So, we are passionate about helping you make the right decisions not just about your home loan or investment loan but each part of your finances. That's why we offer a range of financial services, and can help you with:

Buying your first home
Investing in property
Building a new home
Buying a house and land package
Refinancing your current home loan
Consolidating your debts
Buying a new car
Renovating
and more!

Refinancing your current home loan

You are not expected to keep the same home loan forever. Our lives change quickly and it's important that your loan changes with it.

In fact, we recommend reviewing your home loan every 2 years to make sure the loan still fits your life and you are on the best rate possible.

At Mortgage Choice in Canning Vale & Cockburn, we offer a free home loan health check, comparing your current home loan with hundreds of others to see if we can get you a better deal.

To book your free home loan health check with our team of mortgage brokers just click the Contact us button at the top of the page or call 08 9259 4488.

Find out more about refinancing your home loan here.

Talk to us today

We would love to chat to you about your home loan or business goals, so we can help you reach them! We want to make it as easy as possible, so we can meet at your home or office at a time most suitable for you.

Click the Contact us button at the top of this page or call 08 9259 4488 to book a time to chat.

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. ~

Google Reviews

Bloody awesome! Your team were so helpful and make it all so easy. Thanks again guys, we are forever grateful.
Bianca & Shane, Cockburn, WA
- First Home Buyer

Both Gina and Lance are fantastic people and very helpful, not to mention a funny duo they were always there to help and guide me without hesitation and tell it to me straight. They helped me into my first house and I would highly recommend them and will definitely use them again for my next adventure into buying a property.
Brody, Atwell, WA
- First Home Buyer

I have quite simply never experienced a higher level of service from anyone in my life. Lance and Gina have managed to procure me a highly satisfactory outcome to the difficult and demanding mortgage requirements I have presented them with on more than one occasion, and it is always a genuine pleasure dealing with them.
Derek, Canning Vale, WA
- Upgrader

Thank you Lance and his lovely wife for helping our family get our 1st home! Lance explained everything to us and always answered any of our questions even if you think it's a silly question he made us feel comfortable and reassured. Thank you for making this process feel so easy. I will definitely be recommending you.
IZharrmaiine Vdl, Canning Vale, WA
- First Home Buyer

Lance and Gina have been supporting my family and I with financing since 2009. They hold our confidence and thanks for handling the matters we have entrusted them with.
Jane, Canning Vale, WA
- Refinancer

Gina and Lance are a wonderful professional and very efficient team. I would have no hesitation in recommending or using their services again. They kept me informed at all times and reassured me of any questions or concerns i had in a prompt manner. I look forward to a long business relationship with their company for all my future financial needs. Thank you Lance and Gina very happy.
Jodie, Cockburn, WA
- Refinancer

This is the second time I have used the services of Lance and Gina. They were able to refinance my home loan at a much better rate than my current bank was offering, even after I approached them to see if there was anything they could do. From the initial contact until the day my loan was settled both Lance and Gina explained my options in a way that was easy to understand. They continued to keep me up dated throughout the process and also were able to help me out with advise on saving on additional services such as my home and contents insurance. I would have no hesitation in recommending Lance and Gina to anyone looking at finance options.
Kim, Cockburn, WA
- Refinancer

From start to finish Lance has been professional, knowledgeable and friendly. He was confident and knew exactly what he was doing. He kept us informed and was always contactable. We loved dealing with Lance and Gina. It was a wonderful experience and we will definitely be back with our next project :)
Liran & Paul, Willetton, WA
- Refinancer

These guys made the whole process hassle free and easy. They were very friendly and easy to talk to and genuinely cared. Would highly recommend.
Lorraine & Craig, Cockburn, WA
- First Home Buyer

You can't beat these two for making the home loan process an easy experience. Thanks!
Sarah & Andrew, Canning Vale, WA
- Refinancer

Lance and Gina were fantastic. They both kept us informed the whole way through and made the whole process a very easy and pleasant one. We will definitely be coming back if we need to in the future.
Sheridan & Thomas, Atwell, WA
- Refinancer

Lance and Gina at Mortgage Choice have been amazing throughout our whole experience. They ensured we were updated throughout the whole process. Thank you so much guys.
Tamika & Andrew, Atwell, WA
- First Home Buyer

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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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 $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 $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 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 $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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Your local Mortgage Choice brokers & home loan experts | Canning Vale, Cockburn & Atwell

Canning Vale

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

We're here to help at every step of your home loan journey

Our team of mortgage brokers are with you every step of the way from finding the right home loan to settlement and beyond.

We make the process easy

Our home loan service is no cost to you

We have an award winning team

Helping you make better financial choices

Refinancing your current home loan

At Mortgage Choice in Canning Vale & Cockburn, we offer a free home loan health check, comparing your current home loan with hundreds of others to see if we can get you a better deal.

Talk to us today

The right home loan for your needs

Google Reviews

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