Mortgage Brokers & Home Loan Experts - Chadstone, Oakleigh, Ashburton & Malvern East

Call: 03 8652 1828

Talk to the team at Mortgage Choice in Chadstone, Ashburton, Malvern East for help with home loans, car loans, business lending, financial advice and more.

Call Us Mortgage Choice Chadstone
Office - 03 8652 1828
Fax - 03 9887 0820

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

Address

Suite 350, 1341 Dandenong Road CHADSTONE, VIC 3148

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

Welcome to Mortgage Choice in Chadstone

With extensive industry knowledge, the A Team at Mortgage Choice in Chadstone will help you find a home loan that best suits your needs.

Why choose Mortgage Choice in Chadstone?

Our team loves assisting our customers with potentially the biggest decision of their lives. Being a team of mortgage brokers & financial advisers we are able to reach your financial goals while having your best interests at heart.

We will help from the beginning to end making sure the process is as simple and smooth as possible for you.

We make the process easy for you!

Mortgage Choice in Chadstone will do all the research with the banks and provide you with the right options for your needs. We also do all the paperwork and follow up with the lenders the throughout the loan process to ensure that it works for you!

No matter what you’re doing, whether it be buying your first property or a new investment, refinancing your current loan, constructing or building a new home, cashing out, or topping up... we can help.

At no cost to you

There is no charge for our home loan service, as the lender pays us after your loan settles.

What else can I help you with?

At Mortgage Choice in Chadstone, we don’t just do home loans, we offer a wide range of services including:

Car loans
Personal loans
Commercial loans
Insurance and more.

This makes us a one stop shop for all your finance and loan needs!

Thinking of Refinancing?

Not sure what to do with the low rates? With rates at 50 year lows, now is the perfect time to see if you could save.

We offer a Free Home Loan Health Check on your current loan, not just comparing rates, but other loan characteristics, to make sure you are on the best loan for your life.

Contact us today to see how we can help you.

We would love to chat to you about your loan and finance needs! We can meet you at a time and place that suits you.

We service the areas of:

Bennettswood, Burwood, Surrey Hills South, Caulfield East, Central Park, Darling, Darling South, Malvern East, Ashburton, Ashwood, Chadstone, Chadstone Centre, Holmesglen, Jordanville, Carnegie, Glen Huntly, Murrumbeena, Hughesdale, Huntingdale, Oakleigh, Oakleigh East, Oakleigh South & surrounds.

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

Harry from Mortgage Choice made the whole process easy for us. My partner and I were first home buyers and didn’t know the first thing about mortgages, what our options were, or how to get the whole process started. Harry took the time to explain everything to us and walked us through every step. We didn’t have to worry about anything. It was an easy and seamless process and we were able to secure our dream home. Thanks Harry and team!

D. Holmes
18 February 2019

I just wanted to thank you for your help with our mortgage and getting it all settled in time. The experience we had with you and Mortgage choice was excellent and you were extremely helpful and accommodating to us making our transition to our first house very smoothly.

L. Sever
12 December 2018

We would like to extend a special thank you to Harry who was instrumental in our recent property acquisition. Harry went above and beyond for us, often answering queries at unusual hours to suit our busy work/family schedules and to meet tight deadlines. Harry established and maintained genuine rapport throughout our dealings. We would have no hesitation with further dealings on any future property... read more

C. Watson
17 August 2018

Harry did a fantastic job! He's very personable, super responsive and he provided me with really great information to assist me with my first home purchase. I couldn't have done this without his assistance. I would highly recommend you use Harry for your next property deal!

R. James
15 May 2018

I was a long-time customer of various major banks but recently when I wanted to borrow a bit more money I did a shop around with no joy. Then I went to Mortgage Choice and Harry found a solution to not just borrow more money but also get me a lower interest rate. The process was very straightforward and, given Harry had all the options at his finger-tips, I didn’t have to do any more running around myself. I am very happy to recommend Harry and Mortgage Choice.

S.Price
16 December 2017

Just recently I have been looking to buy my first House with my partner and didn’t really know where to start. I was searching on the internet on how to obtain finance and came across Mortgage Choice. Not long after I was contacted by Harry.
Harry was very friendly and put myself and my partner at ease straight away. He explained the process to us in a way that we could understand and always made... read more

R.Andrews
16 December 2017

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

PAYG Self Employed

My monthly income before tax

Rental income

My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

Calculate

You could borrow up to

Repayments
/ month
Expenses
Remaining

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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

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.

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

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.