Your Local Home Loan Expert: Hawthorn, Richmond & Kew

Call: 0406 046 660

Need help with your finances? Talk to Glen Voss and the team in Hawthorn for help with home loans, car loans, business lending, financial advice and more.

Call Us Mortgage Choice Hawthorn West
Office - 0406 046 660
Fax - 03 9315 0521

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

Address

PO Box 6078 HAWTHORN WEST, VIC 3122

Looking After Your Needs

"Choosing Glen to help us refinance 3 properties at the same time was one of the best decision we have made.

C Thomas

Qualifications, Accreditations and Experience

More than 10 years of industry experience
Graduate Diploma in Financial Planning
Diploma of Finance and Mortgage Broking Management
MFAA Accredited Member
Expert Lending Advice

With More Than 30 Lenders To Choose From

First Home Buyer Loans
Upgrading to a new home
Refinancing and existing loans
Investment Property Loans
Bridging Loans
Car Loans
Home Equity/Line of Credit Loans
Fixed Rate vs Variable Rate
Commercial Loans
Free Home Loan Health Check

The Process Is Easy. I Can

Meet you at our office, your home, or any other location that is suitable.
Find the right loan and interest rate by analysing and sorting through more than 30 plus lenders and thousands of products.
Lodge the paper work and liaise with lenders from the initial application through to settlement.
Review and reassess your loan over time, to ensure you still have a competitive deal.

No Cost To You

My service is no cost to you.

Location Is No Problem

Regardless of where you live or where you want to buy, I can help. This includes Melbourne, Victoria, interstate and abroad.

Contact

Call me today on 0406 046 660 or email me at glen.voss@mortgagechoice.com.au for a friendly chat to see how I can help build your dreams.

Hawthorn, Hawthorn East, Kew, Kew East, Richmond, Cremorne and Burnley.

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

We had quite a journey navigating both selling our property in Melbourne and buying a new one in Queensland But having a reliable mortgage broker like Glen on our side has made a significant difference. The fact that Glen came highly recommended through word of mouth speaks volumes about his professionalism and the quality of service he provides. It's always reassuring to work with someone who has a soli... read more

Max
10 March 2024

Glen helped me and my husband to get an investment loan. He has been incredibly patient, explaining every aspect of the process, providing prompt and comprehensive advice. We could not be happier with his exceptional services. We highly recommend him for anyone seeking a trustworthy and fantastic broker.

Ank
20 November 2023

Me my wife were referred to Glen by a friend to assist us with our loan approval. We cannot thank Glen enough for the exceptional service. He is kind, genuine and super responsive throughout the entire process, providing us with great support and information. There is no doubt that we will be referring Glen and continue to use his services.

Kevin
18 November 2023

Glen has been incredibly supportive and helpful in each instance we have used his services. He makes sure you understand everything and answers all questions. We highly recommend his services.

Tess
16 November 2023

Glen Voss provides exceptional service and is a kind, genuine professional. He was very helpful and made time for us to explain in great detail, options which would provide most value to us. I am very happy with the outcome and will certainly recommend him to friends and family.

Aravinthan
03 October 2023

Glen was an absolutely incredible partner in guiding us through the unknown of purchasing our first home. Glen was genuine, sincere, empathetic and super responsive throughout the entire process which for us, was 3 years providing us with a great deal of information and advice. There's no doubt that we'll be referring Glen to our friends and family whenever the chance arises.

Charlie
24 July 2023

Glen has been incredibly valuable to us in our mortgage journey. His assistance and guidance have been truly exceptional. He patiently explains every aspect of how mortgages work, ensuring that we fully understand the process. Whenever we reach out with additional inquiries, he is consistently there to provide prompt and comprehensive advice. We wholeheartedly recommend him to anyone seeking professional mortgage services.

Jacqui
27 June 2023

Glen was absoloutly amazing to deal with. His knowlege of the industry and involvement throughout the entire process speaks volumes and he ensured everything was meticulously managed from start to finish.

I absoloutly recomend his services

Luke
01 June 2023

Glen has been a superstar. Happy to refer him to any of my friends or family. My friend was very grateful for the recommendation. Communication has been clear and concise. Glen will always provide us with accurate information for us to make informed decisions while getting results ASAP Thanks Glen.

Louis
05 May 2023

Glen helped my partner and I through the nightmare of finding the best option for our mortgage and even offered to help us look at potential property too. Seeing how it was our first home purchase, we were totally clueless on the process and had an unending amount of questions. Glen was very responsive and would check up on us during the home loan process to make sure we were in the loop of what was goin... read more

Andrew
18 July 2020

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You could borrow up to

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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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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 $176,650 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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