Mortgage Broker & Home Loans Melbourne CBD, Ringwood, Croydon, Chirnside Park, Lilydale, Coldstream, Yarra Glen, Healesville & surrounding areas

Call: 0448 889 955

Looking for the right mortgage and a great home loan rate? John and Jo will negotiate with 30+ lenders to get you a great deal. They do all the paperwork for you and they don't charge you for their mortgage broking service. Make an appointment with John or Jo today. We can zoom/google meet or come and see you
Expert advice and friendly service.
T: (03) 9725 5799 M: 044 888 9955

Call Us Mortgage Choice Croydon
Mobile - 0448 889 955
Office - 03 9725 5799
Fax - 03 9725 5733

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

Address

PO Box 2 CROYDON, VIC 3136

Latest home loan interest rates

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Comparison rate

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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

Hi, I am John, I am one of the top performing brokers in Victoria with over a decade of experience helping thousands of people like you get the right loan at the best rate.

If you need help refinancing at a lower rate we can come to you to get you sorted.

They specialise in finding you the right loan from one of the 30+ lenders on their panel, be it for your first home, next home, investment property, equipment finance, car or personal loan.

So, if you are time poor and looking for someone you can trust to help you find the best loan with no fuss or effort then look no further?

Let John and his team help you with:

refinancing
a first home buyer
an upgrader or downsizer
a property investor
buying commercial property
an expat or non-resident, buying in Australia
needing another type of loan, eg car loan

In the meantime, if you would like to do some of your own research you can take a look at our Calculators page to get an idea of what repayments you can afford.

Why people choose John?

over a decade of experience, professional and free to you
He will find you the best mortgage or home loan rate no matter your needs or circumstances
His wealth of knowledge and advice is free to you and not influenced by commissions.
John does all the paperwork and lender chasing
John is friendly, down to earth and loves helping people and provides you with excellent service.

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Ringwood, Croydon, Chirnside Park, Lilydale, Coldstream, Yarra Glen, Healesville and surrounds, we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with John and his team to discuss your unique circumstances.

Ready to kickstart your journey to home ownership?

We’ll assist you along the way and do all the legwork for you! Call John and his team today

Speak to John or Jo today.

Call our office: 03 9725 5799
John's mobile: 044 888 9955
email john.iskra@mortgagechoice.com.au

We Service Ringwood, Lilydale, Chirnside Park, Mooroolbark, Yarra Ranges, Yarra Valley, Seville, Wandin, Mt Evelyn and surrounding areas

You too will discover why so many people decide to use brokers like John and Jane from Mortgage Choice - they do all the hard work for you and it is absolutely FREE.

Check out our online publications here:

https://issuu.com/mortgagechoicecroydon

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

Fantastic experience dealing with John at mortgage choice. Couldnt recommend more highly Great advice and service. Thanks again
Recently refinanced 2 loans to NAB and couldnt be happier with the service and rates. I have a background in finance and the advice and knowledge John has about finance and mortgage Broking is second to none. If you want quality informed service that always has your best intere... read more

Luke
17 July 2021

I would highly recommend the service provided by John and the team at Mortgage Choice in Croydon. I recently refinanced my loan and John was able to handhold me through the process to secure an excellent deal on my new loan. Not being an expert in this field myself, John was able to explain things in layman's terms and provide timely answers to all my questions along the way. I will definitely use John and team again for any future finance related matters.

Damian
18 July 2019

John is very helpful and made sure we had the right setup for our loan. Everything was explained well and was very diligent in handling things quickly.
We will use their services again in the future.

Kat
18 July 2019

Fantastic service, extremely accomodating. Highly recommend

Vitality
18 July 2019

John has been a real joy throughout the whole experience while finding us the best deal and keeping us informed along the way.

Lauri
18 July 2018

John was helpful professional knowledgeable. He made the process to refinance my mortgage so simple I wish I had done it earlier Would highly recommend him

Tania
18 July 2018

John was a great person to deal with who handled everything for us. Would recommend to friends and family

Louise
18 July 2018

John has helped us navigate two property purchases to date and we would have been completely lost without him

Geoffrey
18 July 2018

John is extremely efficient and proffesional. Helped me with my first home loan and was happy to answer all my questions. Would recommend to anyone.

Elisha
18 July 2018

John was extremely helpful with my loan, and patiently explained everything. He made it all very simple for me. I can highly recommend him, and will definitely use him again in the future.

Eva
18 July 2018

Refinancing guide

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

Download now

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2nd applicant monthly rental income before tax

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Calculate

You could borrow up to

Repayments
/ month
Expenses
Remaining

Based on standard variable rate over years.

Start the pre-approval process

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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

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.

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

Need help with your next home purchase?

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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Mortgage Broker & Home Loans Melbourne CBD, Ringwood, Croydon, Chirnside Park, Lilydale, Coldstream, Yarra Glen, Healesville & surrounding areas

Croydon

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

Hi, I am John, I am one of the top performing brokers in Victoria with over a decade of experience helping thousands of people like you get the right loan at the best rate.

refinancing

a first home buyer

an upgrader or downsizer

a property investor

buying commercial property

an expat or non-resident, buying in Australia

needing another type of loan, eg car loan