James Blacker

Your local Mortgage Choice home loan experts in Ellenbrook & Ballajura

Call: 0421 131 104

At Mortgage Choice, we take the time to understand what you need from your home loan and finances. We go above and beyond to find the right home loan for you from our panel of over 20 lenders.

Give us a call today to get started!

Call Us Mortgage Choice Ellenbrook
Office - 0421 131 104
Fax - 08 9296 7867

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

Address

PO Box 2223 ELLENBROOK, WA 6069

We go above and beyond to make the home loan process easy

Your choice of home loan can be as important as the property itself and with the right one, you can enjoy your home a little bit more.

That's where Mortgage Choice comes in. With over 20 years experience, we know that finding the right home loan is important, but it can also be complicated. Many people spend hours researching home loans online or go straight to their bank and still don't know which one to choose.

Our husband and wife team, James & Julia from Mortgage Choice in the Ellenbrook, Ballajura & Beechboro areas can help. Julia and James have over 20 years experience in the mortgage broking industry.

We have a panel of over 20 lenders, with hundreds of home loan and investment loan products all with different rates and features. Whether you are looking for your first home loan, an investment loan or to refinance your current home loan, we can find you the right one.

We are your advocates with the banks

The Mortgage Choice team has lots of experience with lenders and the home loan process.

One of the owners of Mortgage Choice in the Ellenbrook and Ballajura areas, Julia, was a bank manager with NAB so we know the ins and outs of the process!

Our job as your home loan support team is to be your advocates with your chosen lender, doing the paperwork and follow up to make sure that your home loan is going through. And if you have any problems at all, the experts at Mortgage Choice are here to help.

We make getting your home loan easy

The home loan process can sometimes be tricky. And that's why we love helping our clients by making the home loan process as stress free and easy as possible. We go the extra mile to make sure you settle with the minimum amount of paperwork and stress. Leave the stress to us!

See more of our client reviews here.

Our home loan service is also no cost to you as your chosen lender pays us after your home loan settles, giving you access to over 20 years experience at no cost.

So, let's get started!

We have a fantastic team and an excellent reputation in the local Ellenbrook area, and we look forward to helping you.

We offer a mobile service (home or work) to make even more convenient for you to get started. We service the areas of Ellenbrook, Ballajura, Beechboro,The Vines, Caversham & surrounds.

Call us today on 08 6296 7218 or click on the Contact us button at the top of the page.

We can help you with

Home loans
Investment loans
Refinancing your current loan
Debt consolidation
Upgrading to your next home
Car Loans
Personal loans
Risk/Income Insurance
General insurances
Business lending
Equipment finance
and more.

We are specialists in helping

PAYG Income earners
Shift workers
FIFO's
Self employed earners

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. ~

Knowledgeable, friendly, dependable and meticulous are all words that come to mind when I think of Julia and Jim Blacker at Mortgage Choice. Julia and Jim have just arranged a second mortgage for us and their service is simply outstanding. Julia explained our options clearly and carefully and answered all of our dumb questions patiently. Julia and Jim left no stone unturned in their efforts to get us the best deal and made us feel relaxed and confident about the whole process. We were kept informed of the progress of the both applications at every stage. I cannot recommend tJulia and Jim Blacker highly enough if you are seeking professional friendly advice on your best options from a dynamic pair that work hard to ensure that you get the very best deal available. I intend to use Julia and Jim for all of our future financing requirements and have already recommended them highly to friends and family. All I want to say in conclusion is thank you Julia and Jim for helping us achieve such a good deal - you were brilliant!
Jane and Michael Jenkin, Mount Hawthorn, WA
- Refinancer

We would highly recommend Jules and Jim to any one who is thinking about purchasing a house. They went above and beyond our expectations on getting us finance, they communicated well with us the whole way through the process. We will definitely be returning to them when we buy our investment property.
Damien and Jade, Camillo, WA
- First Home Buyer

Thank you so very much for everything you have done for us in getting our first home together. We are so grateful for all your work and efforts in making the process as smooth as possible. You have have made our dreams of owning our own home a reality and we are so happy! Thank you once again.
Melissa and Kieron, Sinagra, WA
- First Home Buyer

I am writing to say thank you to you two. Thank you very much Jules & Jim for all your help and advice while I refinanced my mortgage. Thanks for securing me the best interest rate and deal. Your service was so professional it took all my stress away! I'll be sure to recommend your service to my colleagues. May I take this opportunity to wish your business all the success in the years to come you truly deserve it!
Thanh Vin Tan, Balcatta, WA
- Refinancer

Julia and Jim helped us with our new investment purchase in Geraldton. They helped with our application, had our new loan approved and came back to witness all our documentation prior to settlement. Everything went without a hitch. Jules & Jim made it a seamless experience and took all the stess away from us. Thank you.
Chelsea and Henry Zwar, Scarborough, WA
- Property Investor

Thank you to two people that go over and above the rest. Constant communication and endless hours of running around was carried out. Nothing was too hard or unachievable. Always available for assistance and guidance. If you want to achieve your dream call either Julia or Jim. They will do everything humanly possible for you to attain it.
Julie Saunders and Dale Bandy, Ellenbrook, WA
- Refinancer

I just wanted to say thank you very much AGAIN, for your help with the sale and purchase of my new place. I could not be happier with the result, and you both made it so easy - as always - to go through this massive transition. Leah was lovely to deal with and as I have done in the past will always recommend you to family and friends. You communicated so well, kept me in the loop and always had my best interests at heart, so I thank you and hope to deal with you in the future.
I hope you have a wonderful Christmas and New Year, all the very best.
Jessica, Scarborough, WA
- 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 $176,650 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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