Your Expert Mortgage Brokers in Joondalup, Woodvale & Butler

Call: 08 9485 0090

It's business as usual for us! COVID-19 has not impacted the services we provide for you.

If you are looking for a home loan or want to refinance your loan to save money - we're here to help! Talk to our experienced team at Mortgage Choice in the Joondalup, Woodvale & Butler area for help with home loans, car loans, business loans and more.

Call Us Mortgage Choice Perth
Office - 08 9485 0090
Fax - 08 9485 0041

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Your home loan experts in the Joondalup, Butler & Woodvale areas. Call us today.

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Welcome to Mortgage Choice in the Joondalup, Woodvale & Butler areas

The right home loan is built with the right team and advice

At Mortgage Choice in the Joondalup, Woodvale & Butler areas, our team help hundreds of locals to find the most competitive home loan and financial solutions to better their life.

In 2003, we started our business around the key values of always putting our client’s needs first, open and honest client communication, and offering expert advice on all types of finance. And we still stand by these values today.

We have an expert team of mortgage brokers and a financial adviser, who combined have decades worth of experience and expert advice to help guide you through your financial needs and goals. Here at Mortgage Choice in the Joondalup, Woodvale & Butler areas, our team are one big happy family, and we love to welcome our clients into our family with open arms.

Just one meeting with our team can change your life. So give us a call today to book your obligation free appointment, or simply submit our contact form and we will get in touch with you as soon as possible.

Office - 08 9485 0090

Find out how Mortgage Choice in the Joondalup area do it better than others

At Mortgage Choice in the Joondalup, Woodvale & Butler areas, we reveal how our team differs to other mortgage brokers & banks, so you can decide for yourself. Click here to read our recent blog post to find out 4 ways our team do it better than others.

Book in a chat with our team of home loan experts today. Let us help you find the right home loan for you.

Book in a chat with our expert team today.

We can help you with

At Mortgage Choice in the Joondalup, Woodvale & Butler areas, our expert mortgage brokers can help and advise you on all types of finance, including;

First home buyer home loans - as well as the First Home Owner Grant
Free Home Loan Health Checks/Reviews
Property investment loans
Guarantor home loans
Construction loans
Refinance home loans
Renovation loans
Land loans

Did you know? We are more than just home loans. Our team can also help you with;

Business Loans
Car Loans
Asset & Equipment finance

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

Amazing service. Definitely suggest to go with Mortgage ChoicePeter Keenan most knowledgeable and helpful in the business.

Yogesh
23 April 2023

Vaios and his team are extremely well respected, responsive and professional to deal with. They offer a terrific service from start to finish and keep you informed every step of the way. I highly recommend you seek the team out!

Fiona
02 December 2019

Mortgage Choice is the way to go when wanting to change your bank lender. Great service! great advice! and did all the hard work for us. Thank you so much for the great experience! We will be calling Vaios again in the future for sure!!

Alen & Shannon
02 December 2019

Vaios and the team made refinancing a simple and stress free process. Vaios found me an excellent rate!! Everything went very smoothly and they kept me in the loop every step of the way. It was a pleasant and seamless process and I gained valuable advice about my finances along the way.

Paula
02 December 2019

Vaios and Adele are fantastic brokers - attentive to detail, friendly, knowledgeable, and organised. Re-financing my home loan was such a simple, stress-free, timely and smooth process with them.

Anita
02 December 2019

Vaios and the team were fabulous. Very understanding and responsive. All in all a very positive and streamlined experience. Thank you!

Donna
02 December 2019

Amazing pro active customer service, out to get you the best possible deal! It's great to have such support from the team in what can be a daunting process. Thank you Vaios & Mortgage Choice!

Stephanie
02 December 2019

We were seeking to remortgage which we hadn't done in years. We were very nervous about the process. Vaios from Mortgage Choice walked us through the process from beginning to end. From the initial meeting to the final meeting we had regular updates and reminders, such that there was next to no effort required from us. Best of all Mortgage Choice was able to save us over $200 a fortnight in mortgage repayments. We have no regrets and will be going back in a year or two. Thank you, Vaios :)

Matthew & Melanie
02 December 2019

Vaios, Sonja and Adele worked extremely hard to make sure we settled today. Definitely a team that goes beyond to get the best result for you. Thank you again team!!!

Chlodaugh & Elvin
02 December 2019

Fantastic service from Vaios and the team at Mortgage Choice. They managed to save me heaps of money on my mortgage by organising a refinance and it was all so easy. I thoroughly recommend them.

Leeane
29 November 2019

Refinancing guide

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

Download now

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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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