Greg Vine, Mortgage Broker Caroline Springs, VIC

Greg Vine

Home loan and finance specialist Caroline Springs, Taylors Lakes, Melton and surrounding suburbs.

Looking for a home loan? Talk to Greg Vine, your local Mortgage Choice broker from Caroline Springs, Taylors Lakes & surrounds in VIC. Let us research and compare over 20 lenders for you.

Call Us Mortgage Choice Brentford Square
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

Give yourself the benefit of choice

Asking one bank or lender is not necessarily a choice.

That's why talking to Greg Vine and his team of home loan specialists at Mortgage Choice makes good sense to help you achieve your goals.

We analyse hundreds of home loans from over 20 different lenders - all at no cost to you because the lenders pay us. In fact, it’s our goal to help you save time and money with your next loan.

You enjoy a real advantage no matter whether you are:

A first home buyer
Buying a new home
Refinancing your current loan
Investing in property.

We also provide:

car loans and personal finance
a unique range of commercial finance.

No cost to you

Our home loan service is of no cost to you as the lender pays us after your loan settles.

As Mortgage Choice brokers we are paid the same rate regardless of the home loan you choose from our wide choice of lenders. This ensures we are focused on the right outcome for you!

More convenience for you

We know how you feel about call centres and 9 to 5 branch hours that's why we come to you - 7 days a week, at a time and place that is best suited to your schedule.

We are the local Mortgage Choice home loan broker for Sunshine, Taylors Lakes, St Albans, Deer Park, Kealba, Hillside, Burnside Heights, Cairnlea, Keilor, Melton, Kurunjang and Eyensbury.

We’re with you every step of the journey

From finding the loan that’s right for your circumstances, to completing your loan application and tracking its progress through to settlement, you’ll benefit from our support at every stage.

Call Greg Vine at Mortgage Choice in Brimbank / Melton today on 0401 957 256 or 03 9802 3620.

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. ~

We would just like to say thank you for helping us obtain the home loan for the purchase of our first home and for being cool calm and collected throughout the process. We will have friends of ours in the future who will be purchasing a home and we will definitely recommend to go through Mortgage Choice.
Mr. T.M. & Mrs. J.M., Hoppers Crosing, VIC
- First Home Buyer

You have been such a fantastic help and very prompt with your replies from the very beginning, and I thank you so much for this as I have not received such great service from anybody else that I have previously dealt with. You have been fantastic and a pleasure to deal with.
Ms. A.B., Melton, VIC
- Refinancer

Once again thank you ! If you ever come across someone who would like to hear from someone you have assisted please do not hesitate to give them my number, I would be more than happy to let them know how fantastic your services are.
Ms.S.J., Caroline Springs, VIC
- Upgrader

Now we've met and seen what's possible, don't think I'll be going back to a bank anytime soon. Thanks again for the advice and help.
Mr. B.W., Vermont South, VIC
- Property Investor

Greg is a very professional mortgage broker with honest attribute and very helpful. He is so friendly and proactive.
Mr. A.H., Croydon, VIC
- First Home Buyer

Thank you ! I would like to thank you for all your help in getting my pre-approval, application and settlement done so smoothly.. I really appreciate everything... Thank you once again!
Ms. P.N., Reservoir, VIC
- First Home Buyer

A Mystery Shopper scored our service at 98 out of 100, raking us 3rd in a National review of 100 brokers. Copy of report available on request. May 2015.
Mystery Shopper Score Card - Greg Vine, Brimbank/Melton, VIC
- First Home Buyer

We are actually returning customers of Greg Vine and can not speak highly enough of the service we have received over the years. I would imagine we would have been at the more difficult end of the scale given some of our circumstances but from day 1, Greg was confident he could get us a great deal (which he did) He went above and beyond to keep us informed and continued to use his connections to get us in our house on time when it was not looking likely due to circumstances outside of our control. Our conveyancer even commented that his conduct was of the highest standard...much higher than they're used to seeing and that we had found a 'good broker' in Greg. He is clearly very knowledge and has a great deal of industry experience which was exactly what we needed to help get us the result we needed. We were initially reluctant to go with a broker but Greg's professional yet friendly nature made the whole experience very easy with minimal fuss. We will likely never purchase another property without Greg. Thanks again!
Mr. M.T., 3020, VIC
- Upgrader

The exceptional service of Mr Greg Vine his product knowledge and helpfulness was amazing, I would definitely recommend the services of Greg to anyone that I know.
Mr. J.E., Caroline Springs, VIC
- Upgrader

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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 $176,000 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.

The Territory’s First Home Owner Discount has been in place since 8 February 2019. It lets you save up to a maximum of $18,601 on the cost of stamp duty. The savings is available whether you buy a new or established home as long as the home is 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 $15,000 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 $400,000 or less for your block. Whereas if your first home is valued up to $500,000, you pay zero stamp duty. That’s a saving of $8,750, 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 $505,000, you pay stamp duty of $1,050, a saving of $7,875. These savings cut out altogether if your first home costs $550,000 or more. On a property valued at $550,000, for example, the stamp duty would work out to be $10,600.

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 or build a brand new home. You can choose from a house, apartment, townhouse or villa, but you will only be able to claim the FHOG SA if you pay below $575,000 for your home.

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 $20,000 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 Melbourne. Or you can receive a FHOG of $20,000 if you buy/build a new home in regional 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.

State / Territorial Revenue Web Sites

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Home loan and finance specialist Caroline Springs, Taylors Lakes, Melton and surrounding suburbs.

Give yourself the benefit of choice

No cost to you

More convenience for you

We’re with you every step of the journey

The right home loan for your needs

Help me calculate

How much can I borrow

Home loan repayment calculator

Stamp duty calculator

2nd Applicant

Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

State / Territorial Revenue Web Sites

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