Mortgage Broker Greensborough Diamond Creek Eltham

Your local mortgage broker in Greensborough, Diamond Creek, Eltham and surrounds

Call: 03 9432 6070

Looking for a home loan, car finance or financial advice? The team at Mortgage Choice in Greensborough is here and ready to help you. Our mortgage brokers will research and compare over 20 lenders for you.

Call Us Mortgage Choice Greensborough
Office - 03 9432 6070
Fax - 03 9432 1520

Open Hours Mortgage Choice Greensborough
Monday - Friday 9.00am - 5.30pm
After hours and weekends by appointment
Free Appointment

Address

Suite 4, Level 1/86 Grimshaw Street GREENSBOROUGH, VIC 3088

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Welcome to Mortgage Choice in Greensborough.

These days, choosing the right home loan is a lot like online shopping... But beware, it's more complicated than it seems. When you order a shoe in the wrong size or a dress in a wrong colour, it's a headache, but can be easily fixed... But there's no refund if you get your home loan wrong...

At Mortgage Choice Greensborough, we will find you a tailored solution from a variety of lenders and will be on your team to minimise the chance of rejection.

So while it might seem easy to shop your application online, it pays to speak to a real person, one who'll find the right home loan for you.

We can help you with

Buying your first home
Upgrading to a new property
Investing in property
Refinancing your existing home loan
Personal loans, car loans and equipment finance
Retirement planning and wealth creation
Protecting your most valuable assets

Enlisting our help will save you time and hassle. With over 50 years combined experience, our mortgage broker and financial advice experts have helped thousands of people with their home loan and financial planning needs.

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!

We have over 25 lenders on our panel

At Mortgage Choice in Greensborough, we have over 25 lenders on our panel including the big four banks and a selection of specialist lenders, with hundreds of home loan products.

We don't just let any lender on our panel either.

They have to be the best at what they do and have a great range of home loan products and rates available for our clients. You can rest assured that our team of mortgage brokers are searching through the best of the best home loans to find you the right one.

Now we'd like to help you...

Take the first step: We’ll meet you at a time and place that suits your schedule. Taking the time to understand your financial and lifestyle goals and how your loan fits into these goals.

Find the right solution: We’ll analyse the loans available from our wide choice of lenders and match your requirements to the features of the loans, providing you with a selection from which you can choose. We’ll also explain the features, fees, costs and other details associated with the loan you choose.

Support your financial wellbeing: We’ll discuss the importance of building solid financial foundations to make sure you can meet your financial commitments, protect yourself, your assets and your loved ones, and be confident in your financial security.

Put the wheels in motion: We’ll make the home loans process as hassle-free as possible by doing the legwork to find the right solution, helping you with the paperwork and submitting the loan application on your behalf. We’ll communicate with your chosen lender throughout the process and keep you up to date along the way.

Success: Once your loan documents arrive we can help you complete them.

Keeping in touch: Our service doesn’t end once your loan settles. We’ll make sure that your loan continues to meet your needs, regardless of how your life changes.

Not sure if your interest rate is still competitive?

We can help! Our FREE Home Loan Health Check compares your current interest rate with thousands of others to see if we can find a better deal. We'll also compare features and lenders to make sure it fits you well.

Click to book your Home Loan Health Check

Or speak with us direct

Call Hannah, Debra and the team at Mortgage Choice in Greensborough on 03 9432 6070 or contact us online at the bottom of this page.

Visit us at:
Suite 4, Level 1/86 Grimshaw Street, GREENSBOROUGH VIC 3088.

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. ~

Google Reviews

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L Carboni, Doncaster East, VIC
- Refinancer
Hannah and team were very prompt and professional. Communication even through lockdown was smooth and we were kept informed through the whole process. Highly recommended!

Leigh Aggett, Diamond Creek, VIC
- Upgrader
Hannah is very thorough and committed professional who works hard to achieve a positive outcome for her clients. Her ongoing communication made the process hassle free and we are extremely thankful for both Hannah and Mortgage Choice for a seamless finance process from start to finish.

G Buchanan, Diamond Creek, VIC
- Refinancer
Hannah was fantastic to deal with! She always kept us in the loop and always got back to us with any questions we had!

Lynette, Northcote, VIC
- First Home Buyer
I'd like to praise the work Hannah Fox and her team provided me with. Some of the staff, like Nicole, are truly committed to providing their best customer care services.
Thank you for turning a stressful situation, such as applying for a mortgage, into an exciting experience.

Not just Debra but the whole Mortgage Choice team from Greensborough was fantastic!! Very friendly feel like they really care love helping you out, nothing is ever to difficult for them and they always go the extra mile to make sure everything is done correctly and in time. We have already recommended them to friends and family. Will definately be back in the future for any other financial assistance.
S Mascoulis, St Helena, VIC
- Upgrader

If I could recommend mortgage choice high than 5 starts, I would. Both Deb and Nicole have been not only fantastic and professional but an incredible support system with helping me find the right mortgage. Any time of the day or night they have helped me with any questions I have had. They have your best interest at heart and really do care about the individual. Thankyou so much Deb and Nicole! I wouldn’t be a home owner without you!
T.W., Yallambie, VIC
- First Home Buyer

Deb Allen has been instrumental in our property investment journey and without her commitment and focus we wouldn't be where we are today. When people ask me about loans etc I always recommend Deb and I will continue to do so. Deb has always given us brilliant customer service, we feel that she has our best interests at heart and we feel very confident with her and what options she gives us when we make our lending decisions.
A & J Hodges, Eden Park, VIC
- Property Investor

I just wanted to express my enormous gratitude to Deb and her team. They are doing such a great job making sure we get the best possible loan and services.
Their service to us is 5 stars and we are treated with great care and great honesty.
Thanks a lot much appreciated and keep up the good work.
B Grbevska, Greensborough, VIC
- Refinancer

This is the second time we have dealt with Hannah. As previously, she does what she says she will do and gets on with looking after you immediately. She is completely wonderful in our eyes!
Brad & Jill, Bittern, VIC
- Refinancer

Thank you so much Deb and Nicole. You were both always on hand to explain and advise me of what I needed to do. Nothing appeared to ever be too much trouble and all the questions I asked never appeared to be too silly. Thank you for guiding me thought the process for a second time!!
DP, Greensborough, VIC
- Upgrader

Thanks Deb for going above and beyond to help me secure my refinance and to help me get out of the financial hole i was finding myself in.
J Pollock, Kingsbury, VIC
- Refinancer

We were extremely happy with the assistance and advice we received from Narelle Young backed up by Debra Allen in the office. Narelle was always available for any questions we had and never made us feel like a nuisance. She was always extremely professional, helpful and obliging. I would recommend her to anyone seeking loan assistance.
GC, St Helena, VIC
- Property Investor

Thanks Mortgage Choice, your customer service was exceptional with updates as they came in. I was notified via email and phone at each step, which to me is the highest form of service (phone - in case your not at your desk and email so you have a record).
Chris was extremely helpful with the type of loan, professional advice on loan options and direction in my decision making. I felt very comfortable with Chris, his professionalism and trusted his advice.
I would use Chris again and currently recommend him to my clients.
R Glenn, Doreen, VIC
- Upgrader

Hannah was awesome! I have recommended her to several of my friends over the years based on an initial enquiry 4 years ago. Having only recently purchased my first home she was just as attentive and happy to answer any question I might have. I think what made it so easy was that she is a great communicator and ultimately knows her business.
R Dobson, North Fitzroy, VIC
- First Home Buyer

This was our first time applying for a home loan so it was very big scary step made so easier with the service we received. Thank you Debra and everyone at Mortgage Choice greensborough!
N Orvis, Watsonia North, VIC
- First Home Buyer

First home buyer's guide

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process.

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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 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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Your local mortgage broker in Greensborough, Diamond Creek, Eltham and surrounds

Greensborough

Latest home loan interest rates

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

Welcome to Mortgage Choice in Greensborough.

We can help you with

No cost to you

We have over 25 lenders on our panel

Now we'd like to help you...

Not sure if your interest rate is still competitive?

Or speak with us direct

The right home loan for your needs

Google Reviews

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First home buyer's guide

Help me calculate

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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