Mortgage Choice in Fremantle, Mosman Park, White Gum Valley. Your local Fremantle home loan, investment & finance experts

Call: 0407 111 121

Our expert team has been helping the Fremantle community with home loan & finance services for over 15 years.

We can help you find the right loan or build a financial plan for your future. Talk to us to get started

Call Us Mortgage Choice North Fremantle
Mobile - 0407 111 121
Office - 08 9335 8278
Fax - 08 9335 7452

Open Hours Mortgage Choice North Fremantle
9am to 8pm by appointment. Entry is on Queen Victoria St, Best parking across the road at the Swan Hotel car park.
Free Appointment

Address

1/10 Kwong Alley NORTH FREMANTLE, WA 6159

Latest home loan interest rates

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We can help with a range of home loans:

Buying your first home
Upgrading to a bigger family home
Refinancing
Building and construction loans
Renovating your current home
Looking to create wealth with an investment property

It's all about choice

We can help you select from hundreds of home loans from our large panel of lenders including Australia's big banks and specialist lenders.

Our home loan service is free of charge

There's no charge to you for our home loan service because the lenders pay us.

We can come to you

We understand that work and life can be busy. I'm a mobile mortgage broker, so I can meet you at a convenient time or location. Alternatively, you can visit my North Fremantle office.

We can also assist you with:

Personal loans
Car and asset loans
Commercial loans ·
Life insurance
Mortgage protection insurance
Home buildings and contents insurance

Contact us in Fremantle today on 08 9335 8278 or mobile 0407 111 121 and benefit from my specialist experience.

Your local mortgage broker servicing East Fremantle, North Fremantle, South Fremantle, Palmyra, Bicton, Attadale, Beaconsfield, White Gum Valley, Bibra Lake, Coogee, Coolbelup, Hilton, Hamilton Hill, Kardinya, Munster and Spearwood.

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

John and his team have assisted us with mutiple loans over the years. We keep coming back as it feels lile sorting out a loan with a mate, albeit with the utter most professionalism. John takes the stress out of finding the best deal.
Cant recommend him enough.

Paul
15 December 2023

John was amazing Incredibly informative and patient
Would recommend to anyone

Sophie
06 November 2023

John and Ollie have been absolutely outstanding in handling my mortgage situation from start to finish. Very proffessional extremely responsive and have been great in assisting me in all other areas that aren't even required for them to do. They have been so helpful in handling and assisting us through a very difficult situation and rapidly working to make sure we weren't stuck in an almost homeless... read more

Nad
24 October 2023

John is top notch amazing He is the BEST

Lee
22 September 2023

I cannot express how grateful my wife and I were to have John guide us from beginning to end during our search for our property. From start to finish, John's dedication to ensuring the best possible outcome for us shone through.
Throughout the entire process, John maintained excellent communication. He kept me informed of every step, providing timely updates and guidance. I never felt left in the da... read more

Brendon
12 June 2023

Bought our house with the assistance of Mortgage Choice 12 years ago. We were impressed both then and also with the post purchase follow-ups. They have proactively helped us lower our interest rates on a couple of occasions and we can't speak highly enough of John and Sandra's professional and friendly service.

Jane
01 November 2022

Bought our house with the assistance of Mortgage Choice 12 years ago. We were impressed both then and also with the post purchase follow-ups. They have proactively helped us lower our interest rates on a couple of occasions and we can't speak highly enough of John and Sandra's professional and friendly service.

Jane
30 October 2022

Excellent broker - easy to deal with, and helped me get a get deal with my current lender and took the time to go through my other options and offer his help and advice. Highly Recommended.

Marek
07 October 2022

Excellent broker - easy to deal with, and helped me get a get deal with my current lender and took the time to go through my other options and offer his help and advice. Highly Recommended.

Marek
06 October 2022

Great service over many years, and still continues! Thanks very much.

Aubrey
01 September 2022

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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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