Jim Kiapekos

Mortgage Broker & Home Loan Expert in Epping, Bundoora, South Morang, Mernda & surrounds

Call: 0423 862 220

Buying a property is one of the most important purchases you will make in your lifetime. So it's important to have an expert on your side to support you with the advice and know-how to get you the best deal. And our home loan service is free!

Call Us Mortgage Choice Ascot Vale
Office - 0423 862 220

Open Hours Mortgage Choice Ascot Vale
Available by appointment on weekdays, evenings or weekends.
Free Appointment

Mobile Broker

Servicing suburbs across Victoria including Epping, Bundoora, Mill Park & surrounds. We come to you!

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Expert advice and support: all in one place

If you're thinking about buying property, you probably have plenty of questions like; how much can I borrow? and where can I find the best home loan deal? The good news is, the Mortgage Choice team in Epping & Bundoora offer a free home loan service to support you through your next property purchase.

Our job is to:

Figure out your borrowing capacity & repayments;
Understand your own personal goals for your property;
Search through thousands of home loan options available;
Find a handpicked solution that suits you;
Work with you through the entire application process until settlement;
Be available to you in the long term (at no cost) as you reassess your finance needs and goals.

We give you choice

Banks can only offer their own range of home loan products - which limits your access to the wide range of interest rates, features and loan structures available.

The Mortgage Broker Epping team have over 30 lenders and thousands of home loans available, to ensure that you have access to one that is going to suit you best - now and in the the future.

Making the process easier than ever

Our team at Mortgage Choice in Epping make the process of settling on a great home loan easier than ever. 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.

Our home loan service is free
We do all the legwork & paperwork
Our team is mobile: we come to you!

Our free Home Loan service

Jim & the mortgage broker Epping & Bundoora team look forward to helping you on your next property purchase. Whether you're ready to go straight away, or just looking for someone to answer some questions - we're available. We service the areas of Epping, Bundoora, Doreen, Mill Park, Mernda, South Morang and across Victoria. Contact us today!

Call: 0423 862 220 Request a call back

^{Our Mortgage Broker Epping VIC team service the areas of Epping, Bundoora, Lalor, Thomastown, South Morang, Mernda, Mill Park, Yarrambat, Wollert, Woodstock, Beveridge, Doreen, Yan Yean, Wallan, Whittlesea, Wandong, Bylands, Kilmore & surrounding areas.}

We help customers with:

First home loans
Construction loans
Refinancing their current loan
Debt consolidation
Renovation finance
Investment loans
Business finance
Equipment finance
Car loans
Personal loans

What our customers say

_{"As first home owners we were very anxious on the whole process of buying a home. Jim took us through each step, and made it so simple for us. We didn't need to worry about any paperwork and formalities. The whole process from approval to actually getting our first home was seamless." - Priyanka & Ramandeep, Kilmore}

_{"Jim was able to guide us through every stage of our loan application process. He has a great understanding of Land & Building Contracts which was very useful & valuable to us building our first home. Jim was constantly in contact with us regarding our loan and also during the construction of our home." - Daniel & Daniela, Wollert}

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

A big thank you to Jim from Mortgage Choice for all his hard work and dedication towards finding the right lender and home loan for us.
Despite having a not-so-straight forward application, Jim quickly found the best loan for our circumstances and guided us through the process.
As first home buyers we were full of endless questions throughout the application, pre-approval & settlement period, but Jim kept in constant contact and made us completely aware of timelines and any issues that popped up
We really appreciate the time and effort that Jim put in and have no hesitation in recommending him to family and friends in the future.
Adrienne & Dylan, Newport, VIC
- First Home Buyer

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

A fantastic Broker and real understanding of what his clients are looking for. Jim was able to guide us through every stage of our loan application process. He has a great understanding of Land & Building Contracts which was very useful & valuable to us building our first home. Jim was constantly in contact with us regarding our loan and also during the construction of our home. We would certainly reccomend him to anyone looking to purchase or build their home.
Daniel & Daniela, Wollert, VIC
- Construction

Jim is very professional & honest. He went out of his way to ensure we got the best loan, and was always in contact to update us on our loan application. We appreciate all of his help & guidance in what can be a stressful time.
Melissa & Bobby, Beveridge, VIC
- Refinancer

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

As first home owners we were very anxious on the whole process of buying a home. Jim took us through each step, and made it so simple for us. We didn't need to worry about any paperwork and formalities. The whole process from approval to actually getting our first home was seamless. Thank you Jim for all your help and would highly recommend specially for first home buyers to take away all anxiety and leave the whole mortgage process in the best hands possible.
Priyanka & Ramandeep, Kilmore, VIC
- First Home Buyer

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

Step-by-step guide to home ownership

There are many steps involved in purchasing a property which can vary between residential and investment properties. This guide explains each step in order as well as what is involved at every stage of the purchasing process.

Download now

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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.