Your Home Loan Expert in Dandenong, Dingley Village, Noble Park and surrounding areas since 2001

Call: 03 9803 3040

Looking for a home loan? Talk to James Bunning, your local Mortgage Choice broker from Dandenong, VIC. Let us research and compare over 20 lenders for you.

Call Us Mortgage Choice Vermont South
Office - 03 9803 3040
Fax - 03 9802 5050

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

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Servicing Dandenong, Noble Park, Keysborough & surrounds

Latest home loan interest rates

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

Start your home loan journey today

Welcome to Mortgage Choice Dandenong, Keysborough, Noble Park, Springvale, Clayton Sth and Dingley Village.

Our experienced team will help you find a great home loan for your circumstances. We'll even do all the leg work on your behalf - from application to settlement.

Call the Mortgage Choice team today on 9803 3040 for a no-obligation chat about how we can help you.

Your needs and plans are very important to us

We work with you to help you turn your ideas into reality. With so many lenders and loan types available, choosing a loan can be confusing.

But having the right loan is important no matter whether you're a first home buyer, upgrading, refinancing or purchasing an investment property.

Let us help you find your way through the home loan maze

We have access to hundreds of loans from over 20 lenders on our panel, including the big banks and speciality lenders. We will research and compare loans from our lenders to make sure we find the right one for you.

In essence, my job is to find suitable loan products for your needs, then let you make the final choice.

No cost to you

Our home loan service is free of charge to you because the lenders pay us after your loan settles.

Contact us today!

Call us today on 9803 3040 for a no-obligation chat about how we can help you to achieve your goals.

Interest Cost Buster - 2022

* The total interest savings figures displayed on this website represent the cumulative reduction in the gross interest charged to the mortgage loans for which this franchise has arranged: 1. a switch to an alternate loan product and/or lender or 2. a renegotiated interest rate for an existing loan which remains otherwise unchanged, since 1 July 2019. The loan product to which the previous loan has been switched carries an interest rate lower than the rate applicable to the loan prior to the switch. Similarly, the renegotiated loans moved to a lower interest rate. The applicable interest saving has been calculated based upon the principal loan balance at the date of the switch/renegotiation and the interest that balance would have incurred at the previous rate over a 12 month period, compared to the amount of interest that will be incurred under the interest rate applicable to the new/renegotiated loan at its settlement/renegotiation date, over a 12 month period. This calculation is an estimate only. The exact amount of interest saved in each scenario will be subject to the specific circumstances of each individual loan account and may not correspond with the amount indicated under this calculation. The figures noted here are indicative only and should not be relied upon prior to entering into legal or financial commitments. Prospective borrowers should discuss their individual circumstances with the franchise in order to determine the outcomes that may apply to them.

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

James and Teresa are amazing to deal with and have helped me get my first home loan with ease. Highly recommended.

Bahadur
05 April 2024

James and Teresa were absolute superstars, handling our loans. They kept us informed all the way with emails, SMS and calls and responded quickly and professionally to all our queries. We highly recommend them for your finance and re-finance needs

Gary
20 February 2024

James and Teresa did an amazing job going above and beyond to help us secure a loan for our first home and I cant thank them enough for all the help and time they took to ensure everything went through smoothly despite a very short settlement

Emily
15 February 2024

James and Teresa were fantastic in helping us through a refinance. Right from choosing the right loan for us to keeping us up to date with settlement. Can't thank them enough.
Nigel Bruce-Smith

Nigel
12 February 2024

James and Teresa have been assisting me for 20 plus years with either refinancing and a recent new purchase home loan. They always offer me amazing customer service and timely advice. I highly recommend them for any home loan you may require.

Samantha
05 September 2023

James and Teresa were so incredibly professional and helpful assisting us to buy our house. They were very patient and explained everything in a way that was easy to understand. Their response time was very efficient and they secured a very good deal for our home loan. I cannot recommend their serives highly enough

Tessa
01 September 2023

I have used James and Teresa a few times they make the process very easy.
Professional, efficient and friendly hard to ask for much more.

22 March 2023

I have used James and Teresa multiple times over the years and they have been both professional and knowledgeable on a raft of financial matters. Will I be using them again Absolutely...

Martin
14 March 2023

James and Teresa were absolutely marvellous, they helped me with everything and went to such lengths to secure my home loan .
To be honest I didnt think it was possible being older but here I am in my new home and I cant Thank them enough.
Many thanks
Annette

Annette
10 January 2023

Excellent service from James and especially Teressa who has made re financing our loans a quick and easy process.
Highly recommend their services

Jennifer
01 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.

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You could borrow up to

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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.

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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.

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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 $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.

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