Mortgage Choice Greg Vine - Your local Mortgage Broker servicing Caroline Springs, Taylors Lakes and across Melbourne

Call: 0401 957 256

Everyone deserves the benefit of choice when it comes to their home loan. As your local Mortgage Choice broker, I offer access to over 30+ lenders, as well as expert advice on which one will suit your needs. My goal is to save you time and money by doing all the research & legwork for you. Get an expert in your corner, contact me today!

Call Us Mortgage Choice Brentford Square
Mobile - 0401 957 256
Office - 0401 957 256
Fax - 03 9005 2708

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

Mobile Broker

Mobile broker servicing Caroline Springs, Taylors Lakes, Melton and surrounding Victorian suburbs.

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Give yourself the benefit of choice

Going to one bank for your home loan doesn't give you access to the range of home loans you need to get the right one. That's where I come in! I can give you access to over 30 lenders at once, while also providing expert advice at each step of the process.

I have access to over 30 lenders, including all the big banks.
I analyse thousands of loans to find one that suits what you need.
I do the legwork for you, including the application and follow-up.
My home loan service is free as your chosen lender pays a commission at settlement.

I act in your best interests

It's my job to ensure we get you the right outcome and that the lenders are doing their best for you. I know where to look for the right deal and how to present your application to give us the best chance of approval. I'm the expert you need in your corner on your next home loan.

Let's chat about your next loan

As your mobile Mortgage Choice broker in Caroline Springs, I'm available 7 days a week and can come to you anywhere across Melbourne. I can help provide advice on your first home, investment loan, business lending, car loans and more.

Call Greg Vine at Mortgage Choice on 0401 957 256 or request a call back below.

Call: 0401 957 256 Request a call

^{Greg Vine is your local Mortgage Choice home loan broker for Sunshine, Caroline Springs, Taylors Lakes, St Albans, Deer Park, Kealba, Hillside, Burnside Heights, Cairnlea, Keilor, Melton, Kurunjang and Eyensbury.}

AU18+ only. Ends 6/12/24 11:59pm AEDT. Limit 1 entry per person. State/Territory prize groups: NSW/ACT, VIC/TAS, QLD, WA, SA/NT. T&Cs apply, see http://www.mortgagechoice.com.au/win-30k/ . Mortgage Choice Pty Ltd ACN 009 161 979 (Australian Credit Licence 382869) and Smartline Operations Pty Ltd ACN 086 467 727 (Australian Credit Licence 385325) are owned by REA Group Ltd.

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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

Greg was incredibly helpful when I was looking for a mortgage - shared many great options with me and talked me through the process I was a first home buyer. When we ran into some delayed timelines because I bought a new build, Greg kept me well-informed about next steps and made sure that everything went smoothly. Highly recommend working with Greg, he's an excellent broker and a great guy.

Jordan
22 September 2024

Greg provided outstanding service as our mortgage broker for a new inner-west Melbourne apartment purchase. He was engaged, helpful, and presented a variety of tailored options that aligned with our needs. His attention to detail and support throughout the process made everything seamless. Highly recommend Greg for anyone seeking a mortgage broker

Josh
21 September 2024

Greg has been excellent from first contact to settlement. Always keeping me updated and service has been excellent, prompt and responsive to any queries or requests. First time home buyer who has been completely satisfied with the service received. Thanks Greg.

Mark
02 September 2024

Could not thank recommend Greg highly enough Being a first home buyer can be daunting, however Greg made the process easy, answered all my questions in a way that was easy to understand, never missed a phone a call, even spoke to my parents to make sure they understood the whole process. If you want a quality and reliable mortgage broker, the only way to go is with Greg

Jacob
07 July 2024

I have worked with Greg on many matters together and it has been easy dealing with Greg when assisting with clients finances on their purchase. Any communation is responded quickly and always answer calls immediately. Greg has shown compentence and professionalism in his field and assists clients with one of the most important financial endeavours of their lives.

Margarida
27 May 2024

Greg Vine was the utmost professional. He went above and beyond throughout the process. An absolute pleasure to deal with and made the whole process very stress free. Can not recommend highly enough. Superb

Adam
22 May 2024

Greg is a fantastic Mortgage Broker Id happily recommend him to friends and family.
Greg is knowledgeable and has been incredibly supportive and patient with me through the entire process ensuring that I understand my options and are looking for the right properties.
If youre thinking about buying a home, give Greg a call.

m
23 April 2024

There are not enough great things I can say about Greg. I've known Greg for over 10 years and he has been the only person I trust completely to help me with my home loans.
Greg is friendly, honest and knowledgeable and he will find the best outcome for his clients. He will help you beyond your expectations he is also a decent and great person and I cannot recommend Greg enough for all your home loan needs.
If I could give Greg more than 5 stars I would Thank you so much for everything you do

Harmz
02 November 2023

We used Greg to organise our home loan, and we couldn't be happier with the service he provided. He not only got us a good rate but was also able to find a lender who did not have issues that many banks have lending to retired people. He is very personable and trustworthy and we'd recommend him without reservation.

Anney
18 September 2023

Completely recommend Greg Vine, he has been excellent in helping me out with my situation, He's been excellent to deal being both friendly and professionally. Thank you Greg and Mortgage Choice.

Gesmond
17 August 2023

Property Ownership

This guide outlines the essential steps to achieving property ownership, starting from the first appointment with a mortgage broker all the way to settlement.

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You could borrow up to

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Based on standard variable rate over years.

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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.

From 09 May 2024, if you buy a home costing up to $450,000, no stamp duty is payable at all. If the value of your home is between $450,000 and $600,000, you’ll be entitled to a reduced rate of stamp duty.

There are no additional concessions for homes valued above $600,000 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.