Your local Mortgage Broker and Finance experts in Sandringham, Black Rock, Hampton, Highett, Beaumaris, Mentone and surrounds.

Call: 03 9585 2000

Your local Mortgage Choice broker and finance expert servicing Sandringham, Black Rock, Hampton, Highett, Beaumaris, Mentone and surrounds. Let us help you find the right home loan and guide you through the process. Give us a call today on (03) 9585 2000 or book your appointment!

Call Us Mortgage Choice Sandringham
Office - 03 9585 2000

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

Address

Unit 7 / 23-35 Melrose Street SANDRINGHAM, VIC 3191

Latest home loan interest rates

Starting from

p.a.

Comparison rate

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

We are passionate about helping our local community across Sandringham and surrounding suburbs reach their financial goals by finding the most competitive home loans and financial solutions.

Start your home loan journey today

4 Reasons to use Mortgage Choice Sandringham for your home loan

1) Your local Sandringham experts in home loans and property investment

Our experienced team of mortgage brokers is led by Ian Celantano, Kate Gorman, Jeff Morel and Megan Anderson. Ian and his team cumulate over 20 years of experience in the mortgage broking and finance industry. We'd like to invite you to read our team profile as each of us has a specific area of expertise.

Our office is conveniently located at the heart of Sandringham, on suite 7/23-25 Melrose Street right next to Hobsons Pub. Pop in for a chat and a free coffee!

2) We do all the legwork for you

At Morgage Choice in Sandringham, we do all the research and manage every step of the application process for you on your behalf, saving you time shopping around and filling in multiple applications.

We make your home loan process simple, efficient and stress-free. We are available to meet with you at our office in Sandringham, at your home or at any location convenient for you.

3) A comprehensive choice of home loans

At Mortgage Choice in Sandringham, we have access to hundreds of different home loan products and features to suit any situation. We can analyse and compare hundreds of home loan products available in the market to find the most competitive and suitable loan for you.

4) Our home loan service is at no cost to you

What services do we offer?

We can help with:

First home buyer home loans - as well as the First Home Owner Grant
Home loans
Free Home Loan Health Checks/Reviews
Refinancing
Property Investment loans
Guarantor home loans
Construction & Renovation loans

Home Loans FAQs

How much can I borrow?

Your borrowing capacity is determined by a number of factors. The two main factors that we assess to determine how much you can borrow is

The amount you earn minus
Any debts you may have.

The great thing about dealing with a mortgage broker is that we can look at all the lenders' current servicing calculations to determine how much you can borrow, without the need for you to contact each bank.

Check out our Borrowing calculators here.

When will I receive my loan funds?

This will depend on the individual situation and the type of loan you have applied for. However, typically you will receive your loan funds within six weeks of starting your home loan process. As your Mortgage Choice in Sandringham brokers, we will keep you updated throughout your entire process so you know exactly how your application is going.

Get in touch with our team at Mortgage Choice in Sandringham today on (03) 9585 2000

Why use a mortgage broker rather than talking to my bank directly?

When you walk into the branch of a bank or lender, you will only ever be offered their small range of typically 4 or 5 home loan products. Banks also don't compare their products to other home loan products available in the market. So you won't even know if there is a better product on the market for you.

By choosing a mortgage broker, you are getting more choice and information, hence you have more chances to get the most suitable and competitive loan for your 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

I had the pleasure of working with Ian in securing a home loan. Ian's professionalism, thoroughness, responsiveness, and willingness to explore and explain all the options that were available to me, is exceptional. I asked a lot of questions, I reached out to Ian a lot, and Ian was always engaged, patiently explaining to me different options considerations, and together with that all, Ian has an ex... read more

13 April 2024

Dealing with Ian and his team of associates has been a seamless and enjoyable experience.
The whole team are very knowledgeable and are always contactable when needed.
Thankyou again Ian Co for all your expertise and guidance

Daniel
24 March 2024

Ian and Sandra recently helped me secure a loan for my new home. They were fantastic to work with - they kept me up to date at all stages in the process and got me a really good deal. Recommend

Graeme
17 March 2024

As a first time buyer Ian Celantano was excellent to work with. Sat down with my partner and I when we were not really sure what we wanted to docould do. Ian went into teacher mode and got out whiteboard to run through the endless possibilities - it took great patience from him Couldnt recommended higher

Ryan
30 November 2023

I could not recommend using Ian whether refinancing or getting a new mortgage. His knowledge of the banking system is second to none and he has your best interest at heart - he will go above and beyond to get everything sorted for you.

Lynton
04 October 2023

I couldn't be happier with the exceptional service I received from Ian. From the moment I contacted him, he guided me through the entire mortgage process with professionalism and expertise. He took the time to understand my financial situation and provided me with a range of mortgage options, helping me secure the best deal possible.

What truly sets Ian apart is his dedication to his clients. He was... read more

Eleanor
13 September 2023

Thank you Ian. Your guidance and support in buying our first home is very much appreciated. You made the process transparent, and gave us confidence in making a huge financial decision. We now have a sound and responsible result because you gave us so much information and you were always happy to answer our questions.
We look forward to contacting you for our next property purchase.
Marlo Robert

Marlo
17 May 2023

An opportunity to buy an investment property with a short turn around of 4 weeks until settlement - Ian helped us
well in all honesty did all the leg work to get us over the line within this time frame. He navigated some of the ridiculous request our bank asked of us always with a smile and good humour. Ian even offered to walk up to my work place so I could sign the final documents - We appreciated all Ians expertise will definitely be calling on him in the future.

Rebecca
27 April 2023

Ian and his team are fabulous to deal with, they provide a professional seamless service all the while being extremely knowledgeable in all areas of home loans. I would happily recommend Ian and his team for first home buyers or for refinancing. Thanks so much

Ella
17 April 2023

Ian has been amazing to deal with and never tires of our phone calls and questions

Catherine
17 November 2022

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.

Download now

Eguide First Home Buyer New Cover 255X360

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.

Click here for more information on the WA First home Owner Grant.

State / Territorial Revenue Web Sites

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