Local Mortgage Choice Broker in Epping, Doreen, Mernda, Bundoora, Lalor, Thomastown and across Victoria

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. That's where we come in! We offer a free home loan service to support you into your new home.

Call Us Mortgage Choice Ascot Vale
Office - 0423 862 220

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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, our Mortgage Choice team in Epping & Mernda 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 you need

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.

We 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.

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 can help customers in English or Greek. We service the areas of Epping, Bundoora, Mernda, Mill Park, Thomastown and across Victoria.

Call our Mortgage Broker Epping & Bundoora team on 0423 862 220 or click on the button below to request a call back.

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.}

Is refinancing worth the fuss?

How much deposit do I need?

What our customers say

_{"Our experience with Jim was outstanding. He made the process so easy to understand and was incredibly attentive and communicative in answering any questions and concerns we had. Thank you Jim for helping us with our first home, would 100% recommend!" Madeline P.K. Epping}

_{"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}

_{"Jim is amazing at the work that he does. He has really supported us in owning our home. He’s there from the start to the end and whenever you need him. 100% recommend his services and advice." Gladys Gyamea, Mernda}

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

Jim has been such a fantastic broker to work with. He went above and beyond and was able to really clearly explain all the different stages and information that I needed to know. It was evident that he is very knowledgeable and experienced in his line of work. I would highly recommend Jim and I look forward to working with him again in the future

Bahar
19 March 2024

Buying our home was made so simple dealing with mortgage choice our mortgage broker Jim Kiapekos is such a great person to work with, he fully understood our needs and our budget and communicated with us all the time. He was happy to take our calls whenever we needed clarification on anything we didnt understand. I highly recommend using mortgage choice and if your lucky enough to deal with Jim it will go smoothly and the end result is owning your own home

Vicki
29 February 2024

Great support by Jim throughout the whole process. He genuinely cares about a positive outcome for the customer and works tirelessly to achieve it. Very grateful we were able to work with him and highly recommend Jim for anyone in search of an exceptional mortgage broker

Nada
21 February 2024

Jim was absolutely amazing in assisting me with obtaining a home loan. His knowledge of the property market, finance toolscalculators and lending institutions are outstanding. His professional expertise does not stop once the loan is approved, he continually checks in with his clients ensuring no questions or concerns are left unanswered. He is a very patient man who assists at every opportunity. I wo... read more

John
10 February 2024

Jim has been so helpful on our journey to building our first home.
From the very first email he has been hands on, kept us in the loop the whole time and made the process incredibly easy for us.
We are very appreciative of his time and efforts and highly recommend Jim.

Carly
04 February 2024

We have nothing but praise for Jim. He has been with us for more than two years, and during our time as first-time homeowners, he has supported and assisted us at every stage of the loan application process. He genuinely goes above and above and gives us a sense of comfort. We strongly support Jim of Morgage Choice. 5 stars

Carly
15 November 2023

Jim was fantastic, helped us through every step

Luke
03 September 2023

Absolutely the best in the business Really great process and dealing with Jim, he was so thorough and really made this journey easy and straight forward would highly recommend

Nancy
13 August 2023

Jim was the absolute best in the biz He was extremely accomodating and explained everything to us thoroughly. He made it a very personal and easy experience and answered all of our questions 100 recommend him any day

Candice
10 August 2023

Jim is hands down the best mortgage broker you could ask for Always there to take your call, goes above and beyond to make things work for you at all hours.
Thanks again for the great service you provide.

Riaan
02 August 2023

Refinancing guide

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

Download now

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You could borrow up to

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Based on standard variable rate over years.

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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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