Your Local Mortgage Broker for Richmond, Hawthorn and Kew

Call: 0413 187 837

Looking for a home loan? Let us compare from our panel of over 35 lenders for you whether it's your first home, your second, refinancing for a renovation, or an investment.

Call Us Mortgage Choice Elwood
Mobile - 0413 187 837
Office - 0413 187 837

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

Working with you

I’m here to answer all your home loan questions.

There are a variety of ways I can support your home loan needs whether it be meeting face to face, via Skype, Google Hangouts or perhaps via mobile. We will work together to make it work.

It is, as always, important to speak to an expert to make the right financial decisions. The important thing is, I am here to help. Give me a call today on 0413 187 837, and we can help you achieve your property goals.

What's different about us?

As a boutique Mortgage Choice franchise our focus is on you being happy in the knowledge that we not only help match you to the most suitable product on the market, but also give you the best possible experience in achieving your goals.
We will keep you up to date, whether it be better products coming onto the market during your search for a property, weekly loan status updates or next steps required.
Our boutique size is our strength, we will be by your side from start to finish. Our focus is on:

Comparing the most suitable and competitive products on the market for your specific circumstances and requirements
Providing ongoing communication on where your loan application is at throughout the process, ensuring you are kept up to date from initial discussion through to the point you are relaxing in your new home
Being by your side, helping you step by step throughout the loan and home buying process

And...NO CHARGE! There is no charge to you for our home loan service because the lender pays us after your loan settles.

How can we help you achieve your goals?

First Home Buyer Loans (learn about stamp duty savings and the first home owners grant (FHOG)

Investment Property Loans

We do the research

Whether you prefer a "big 4" bank like CBA, ANZ, NAB or Westpac, or you prefer your existing bank like ING or Bank of Melbourne, or want to try a less traditional lender like HSBC or GSB (formerly CUA), we will compare all of the products from our panel of over 35 banks and lenders to help you get the most suitable loan for your situation.

Free Property Profile Reports

We have access to detailed property profile reports on almost any residential property in Australia. We offer these reports FREE to our clients, saving you the normal cost of $40 per report.

They include key data for the property such as property sales history, listings history, rental history and development permit activity where available.

Let us know what property you would like more information on and we will happily produce a property report to give you the best and most current information available.

What Does a Mortgage Broker do - what to expect when you engage with us

We do the research to help you find the most ideal loan to suit your circumstances, and answer any questions to ensure you get a great home loan that you are happy with.

It can be done in 4 steps:

Step One: Let's Chat

We can do pre work from a quick phone call or meeting so we can understand your goals, circumstances and preferences.

We can catch up face to face in any convenient location for you in Melbourne.

Simply click on the "contact us" button up the top of this page or give us a call on 0413 187 837 to arrange a meeting. Obligation free.

Step Two: We'll Get to Work

From our discussion we will look for the most suitable loan or plan for your situation, goals and preferences.

We will look at the best interest rates but also look at the complete picture accounting for fees, considering fixed or variable rates, ensuring no stone is left unturned in saving you money.

Step Three: Sharing Knowledge

We will submit to you the best options explaining the key benefits of each so you can make the most informed decision.

Lastly: Game Time!

The ball is in our court, we will let you know what information we need to submit the loan on your behalf, follow up with the lender, conveyancer and any party involved to make sure everything is on track, keeping you informed until your loan settles.

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

Gorana and her team are really wonderful to work with Really dedicated and invested in everyones property journey. Highly recommend and will be staying with her for any future re-financing needs.

Chloe
02 April 2024

Gorana has been an absolute pleasure to work with. She made the entire process very easy and saved me a lot of heartaches. Excellent and timely communication. Managed to turn around the loan and settlement process within a very tight timeframe. I would certainly recommend Gorana for a quick and easy mortgage process.

Anand
11 March 2024

Very understanding and kept informed through the whole process. Always my 1st choice. Thank you

Albert
07 March 2024

Have worked with Gorana on several occasions and its always been an incredibly professional, hassle free experience. She is well informed and has gone over and above on a couple occasions to expedite settlements. Totally recommend.

B
03 March 2024

Gorana has just assisted me in the purchase of my first home and I cannot thank her enough it was such a flawless, easy process and I felt like I always had all the information provided to me with honesty, understanding and my best interests at heart. Gorana was always prompt in her correspondence and made the home buying process one that I didn't need to stress over. Thank you so much, can't recommend you highly enough

Matea
02 March 2024

We had a pleasure to work with Gorana Masic and her team a couple of times. Their professionalism and attention to details made everything to go smoothly. I would highly recommend Gorana and her team.

nikola
25 February 2024

Gorana supported us every step of the way as first home buyers. She is thorough and super personable. Communication was clear and timely. We had a lot of questions and she was always happy to explain. Thank you so much, Gorana

Rosa
24 February 2024

Getting my refinance done with Gorana was a great and seamless experience. Communication was amazing. Gorana and her team consistently provided updates and answered any queries I had. Highly recommend

Andrea
14 February 2024

We were more than happy with Gorana's service during our recent home purchase. She is knowledgeable, friendly and quick to respond to enquiries. We needed things sorted in a bit of a rush and Gorana was on top of everything all the way through the process. We have no hesitation in recommending her and have already recommended her to some of our friends.

David
02 January 2024

Gorana and Linda are exceptional at what they do. They made the process for getting a home loan easy and talked me through the best options that work for my situation. From the get-go I was offered guidance on what documents I needed to provide. I was regularly updated with progress and next steps, which put my mind at ease. It is clear that Gorana and Linda have the customer front of mind, and not once did I have to chase anything up. Thank you for making this experience completely stress free

Peter
19 December 2023

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You could borrow up to

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/ month
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Based on standard variable rate over years.

Start the pre-approval process

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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Total fees:

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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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