Ian Celantano

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

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Comparison rate

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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 Mentone for your home loan

1) Your local Mentone 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 Mentone, on 17 Como Parade West right next to the brand new Mentone train station. Pop in for a chat and a free coffee!

2) We do all the legwork for you

At Morgage Choice in Mentone, 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 Mentone, at your home or at any location convenient for you.

3) A comprehensive choice of home loans

At Mortgage Choice in Mentone, 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 Mentone 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 Mentone 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

Ian and the team at Mortgage Choice Sandringham were great. Very thorough and efficient, and guided me through the process. Just wait til Ian rings his bell Highly recommend.
Tim Sutherland
28 July 2022

Great service, Great team and communicated everything really well and easy to understand. Highly recommend to anyone looking for a mortgage broker, will be coming back if i ever need the services again.
mathew fortington
21 July 2022

Ian and his team have been fantastic during the loan application process. His team are very professionalresponsive and they went above and beyond in guiding us through the process.
Chris
24 May 2022

Highly recommend Ian at Mortgage Choice He was always on hand to patiently answer our many questions and really cares about his clients. He goes above and beyond to get an excellent end result.
Crazy Dance Mum
23 April 2022

Fast, efficient service with a smile. Achieved the result I wanted with minimum hassle.
Steve Malcolm
23 April 2022

Ian supported us brilliantly in purchasing our property, through providing options we hadnt even considered from the outset. We found Ian to be incredibly patient and always available to answer our questions. We cant recommend Ian enough.
Duncan Craig
24 March 2022

Ian Celantano and his team at Mortgage Choice Mentone provided clear information and wonderful support during the home loan application process. Ian was generous with his time and conveyed accurate and helpful information. Celine and Larra were also kind and supportive throughout the whole process.
Jennifer Perry
23 September 2021

Ian and his team have been amazing during our loan application process. They are very professional and responsive. Kate from Ian's team has gone above and beyond, monitoring emails on weekends and weeknights waiting for responses back from overseas processing teams. I could not recommend them highly enough and I look forward to a long term relationship with the team to ensure we get the best loan terms we can
Rebecca Keppel-Jones
23 June 2021

I cannot fault the level of communication, responsiveness, patience, service and knowledge from Ian, Kate and the team. They went above and beyond and made the entire process seamless.
They were very professional throughout and we definitely appreciated the status updates. Communication has been a pain point with previous brokers but Ian, Kate and the team were exceptional in this regard and it alway... read more
Brian G
23 June 2021

Cannot thank Ian and Kate enough. Ian in brilliant and so personable. Kate is just amazing. She has been so thorough, supportive, kind and hard working. We cannot thank you enough
Jen Lang
23 June 2021

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

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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 $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 $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 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 $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.

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