Justin Smith, Greg Moss and Rebecca Semark are Mortgage Brokers in Busselton,Vasse, Broadwater & Surrounds

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Call: 08 9751 4118

Justin, Greg and Rebecca are highly experienced, award-winning mortgage brokers who have earned a reputation for outstanding service. As long-term residents of Busselton, they pride themselves on their commitment and integrity, and are passionate about helping their clients achieve their financial objectives through strategic lending practices.

Call Us Mortgage Choice Busselton
Office - 08 9751 4118

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

Address

56 Causeway Road BUSSELTON, WA 6280

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Services

The team at Mortgage Choice Busselton take the time to understand your unique requirements before finding suitable loan options from our wide variety of lenders. Offering expert assistance and guidance from start to finish, their service, commitment and confidentiality are guaranteed.

Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Bridging loans
Reverse mortgages (Referred to third party)
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans

Ready to start your home loan journey with our help?

Find out for yourself why our customers are so happy. we will make your next purchase an easy one.

Call us on 08 9751 4118 today.

Professional, personalised mortgage broking services delivered by an experienced and friendly team. Peter and Greg service all areas, including but not limited to:

Busselton
West Busselton
Yalyalup
Vasse
Kealy
Geographe
Wonnerup
Reinscourt
Ambergate
Broadwater
Abbey
Ruabon
Abba River
Ludlow
Anniebrook
Marybrook
Siesta Park
Carbunup River
Capel
Forrest Beach

What is your borrowing power?

When you're ready to purchase your property, it's important to have a good understanding of how much you can borrow. We know that finding out how much you can borrow for a property can be a bit confusing, which is why we have some great resources at your disposal.

Feel free to check out our easy to use home loan calculators here or get in touch with us to discuss your unique situation.

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

Can’t recommend Peter and his team enough! Exceptional knowledge, brilliant communication throughout the whole process, went above my expectations on communication throughout the whole process, walked me through anything I didn’t understand and got me a great deal on a mortgage. Thank you Peter??

Tony
16 October 2022

Peter and His team were brilliant, my situation was for a better part "complicated" but Peter and the team in Busselton were able to guide me through a very long process. Even to the extent of extending settlement due to a holdup with some legal paperwork. I could not be any happier with their professionalism and there help in getting me the loan. I would not hesitate in recommending their services to anyone needing financial assistance, in fact i already have twice.

James
09 September 2022

Our adviser Peter Camplin was incredible. He was very professional and made the whole process easy. We would highly recommend Peter’s services to others.

Aidan
18 August 2022

We have had 3 home loans arranged for us by Pete and couldn’t be happier with the fantastic service he’s provided us. Pete has had his finger on the pulse at all times and offered us the best loans to suit our requirements. He’s also a really lovely man that we enjoy catching up and chatting with.
We would highly recommend Pete and Smartline.

Lynn
12 April 2022

Smartline in Busselton are the best, great service, go above and beyond.

Peter
01 April 2022

Peter and his team have provided an excellent service for the last 3 loans I have used them for.
Wouldn’t go to anyone else.
A pleasure to work with every time.

Steven
27 March 2022

Greg and the team at Smartline Busselton were amazing to deal with and we couldn’t be happier with their service. Highly recommend them and we will be back when it’s time to refinance.

Liam
17 February 2022

Peter Camplin and his team (Greg, Steph, Kerrie, Chris and Allison) were amazing. So professional and diligent; they got the best loan product and rate for our new property purchase. I can't wait to start building our new home with the help of Smatline Busselton. Thanks Peter and team.

Aaron
17 January 2022

I am more than happy to recommend Peter and his team for an easy & painless finance experience.
We were an unusual situation but Peter gave us options, different scenarios and between him & Kerrie (his amazing assistant), took care of everything for us and made it a stress-free experience.
Can't thank you enough for your knowledge & professional attitude, our balcony is waiting for you both to come for our celebratory drink.

Jodii
14 January 2022

Just the best! Supportive and awesome! Recommend to one and all.

Tessa
01 January 2022

Never had any issues the Greg and Chris. Best advice, they make getting loans very simple and easy

Jo
31 October 2023

Rebecca helped us to negotiate a better interest rate on our home loan. She was professional and so lovely to work with. Will definitely use her again. Thank you

Marie
02 August 2023

Smartline go the extra mile when it comes to loans. Very professional, good communication and staff are thoroughtimely with correspondence. They excel with construction loans, progress payments and all the small things the big 4 cant be bothered doing. Overall great experience.

Joe
17 June 2023

Always fast to respond to any enquiry. We have had Greg working to better our mortgage options for a few years now. A great service

Louie
17 March 2023

Great help, really easy to get hold of and answered all my questions and explained everything well. Thanks for your help

Matthew
27 October 2022

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.