Jim Kiapekos Mortgage Broker Whittlesea

Jim Kiapekos

Home Loan Broker in Melbourne's North, Doreen, South Morang, Mernda, Wollert, Epping, Lalor, Thomastown, Mill Park, Bundoora and Surrounds through to Kilmore

Call 0423 862 220

Purchasing a property is one of the most important purchases you will make in your lifetime. So its important to consult a specialist to assist you with your financial decisions.

Call Us Mortgage Choice Ascot Vale
Office - 0423 862 220

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

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Whether your interest is property investment, first home buyer, upgrading your home, Re-Financing, Renovation, Car Loan or you just want to know how much you can borrow, I can help you - It all starts with a simple phone call.

We can assist you to find and secure a suitable loan for your property purchase including:-

First Home Buyer Loans
Investment Loans
Upgrading to your next home
Re-Financing
Debt Consolidation Loans
Home Contruction Loans

We help you find the right loan

At Mortgage Choice we have access to the latest home loan products from over 20 lenders, inlcuding the big banks and a wide range of specialty lenders. We will help you find the right loan for your lifestyle, by explaining the differences between products and answer all your questions about all the loan options available to you.

Not just home loans

If it's not a property loan you're after, Mortgage Choice in Whittlesea can also help you with:

Personal Loans
Car & Equipment Finance
Financial Planning
Loan Protection Insurance
Life Cover & Home Contents Insurance

Why use a Mortgage Broker

Mortgage Brokers remove the time, hassle and confusion that often comes with finding a home loan.

My job is to:

Understand and discuss your personal loan requirements.
Research through the hundreds of home loan options on the market.
Find the one(s) that most suits your individual circumstances.
Work together with you through the entire application process until settlement.
Be available long-term to help you reassess your financial circumstances and goals.

Why work with Mortgage Choice at Whittlesea

I am dedicated to understanding your personal and financial situation and property ownership goals. The focus is keeping your interests as the number one priority, and negotiating on your behalf to find you the best loan that suits you and your lifestyle. I make the entire process of finding, applying and settling on a home or investment loan easy and stress free.

Our Home Loan Service is Free

At Mortgage Choice, our home loan service is free because we are paid by the lender after the loan settles. Unlike other brokers, Mortgage Choice Brokers get the paid the same commission regardless of the loan you choose, as long as it is with one of the lenders on our panel, so we are always focused on making sure you get the best deal!.

We come to you

I am available to meet with you during business hours or after hours at a time or place that suits you.

I service the suburbs of Whittlesea, South Morang, Wollert & 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. ~

I highly recommend Jim for your broker needs. He was fantastic. I will definitely see him again
Teresa C, SOUTH MORANG, VIC
- Refinancer

Thank you so much Jim for sticking by us for over a year, and helping us on our journey to achieve our dream of owning our first home.

You made the process so achievable.

Your time, effort and patience working with us is forever appreciated.
Andrew & Kavitha, Mernda, VIC
- First Home Buyer

Jim went above and beyond to ensure that all necessary steps in the construction process were achieved within the required timeframes
Adam & Fiona, Eltham, VIC
- Upgrader

Jim was fantastic, would defintely recommend him!. Jim was efficient at getting back to me and following up requests and going the extra mile.
I'm now living in my dream home enjoying country life!.
Michelle, Dayleford, VIC
- Upgrader

I was forced to sell my beloved family home of 25 years due to a death in my family. It was a very traumatic time and on top of that, I had to learn very quickly what the process was in buying a property. I was anxious, confused and overwhelmed and had great difficulty finding my dream home, but luckily I had Jim there to turn too. Jim has been fantastic, he was very patient over the past year and made the process of finding a home and setting up a mortgage easier and less stressful. I would highly reccommend Jim as your Mortgage Broker, especially if you're a first home buyer. Thank you Jim for your help and support.
Terese, Skye, VIC
- First Home Buyer

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

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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 $176,000 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.

The Territory’s First Home Owner Discount has been in place since 8 February 2019. It lets you save up to a maximum of $18,601 on the cost of stamp duty. The savings is available whether you buy a new or established home as long as the home is 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 $8,750, 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 $505,000, you pay stamp duty of $1,050, a saving of $7,875. These savings cut out altogether if your first home costs $550,000 or more. On a property valued at $550,000, for example, the stamp duty would work out to be $10,600.

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 $20,000 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 Melbourne. Or you can receive a FHOG of $20,000 if you buy/build a new home in regional 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.

Home Loan Broker in Melbourne's North, Doreen, South Morang, Mernda, Wollert, Epping, Lalor, Thomastown, Mill Park, Bundoora and Surrounds through to Kilmore

Latest home loan interest rates

We can assist you to find and secure a suitable loan for your property purchase including:-

We help you find the right loan

Not just home loans

Why use a Mortgage Broker

Why work with Mortgage Choice at Whittlesea

Our Home Loan Service is Free

We come to you

The right home loan for your needs

Refinancing guide

Help me calculate

How much can I borrow

Home loan repayment calculator

Stamp duty calculator

2nd Applicant

Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

State / Territorial Revenue Web Sites

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