Jonathan Lee

Multi award-winning mortgage broker in Williamstown, Newport, Yarraville and surrounds

Call: 03 9397 0365

Here throughout your property journey. From first home to scaling your portfolio, our goal is simple:

To help you make educated financial choices for a better life.

Book an appointment

Call Us Mortgage Choice Williamstown
Office - 03 9397 0365
Fax - 03 9314 8856

Open Hours Mortgage Choice Williamstown
Monday - Friday: 9:00am - 5:00pm
Free Appointment

Address

39 Douglas Parade WILLIAMSTOWN, VIC 3016

Our promise to you

Your expert broking team

We've helped over 5000+ Australians make smart financing choices to get onto the property ladder, start a portfolio of investment properties, and shape their dream future with the right lending structure and borrowing strategy in place.

Work smarter, not harder

With more than 35 lenders and thousands of different home loans, access a diverse lender panel and leverage our established property relationships for your individual needs.

No cost to you

We prioritize your best interests, providing unbiased advice that genuinely benefits you. Our services are free for you because lenders pay Mortgage Choice a commission once your loan is finalized. Importantly, we receive the same commission regardless of the lender you select.

Your personal finance coach

Led by award-winning broker Jonathan Lee and a superstar client care team, we are home lending enthusiasts committed to making a meaningful impact on our industry, our clients, our team, and our community.

Book a free consultation

We've been awarded Best Franchise Office three years running!

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

Cody and Jess at Mortgage Choice Williamstown were amazing to work with. Their communication was fantastic and they made the process so easy

Matt
23 July 2024

Johnathan and his team did an amazing job helping me secure a loan for my first home on a very short deadline. They were there each step of the way, always responsive and reassuring. Highly recommended

Cath
11 July 2024

Incredibly pleased with the service this team provided me on my journey and cant thank them enough for the professionalism I received. A particular shoutout goes to Cody and Jess who made everything simple and straight forward at every stage. Highly recommend for anyone looking for support from a team that is knowledgeable and approachable

Joe
28 June 2024

Cody and Jess were absolutely wonderful whilst helping me sort out a new home loan, could not appreciate them more Without their research and advice I can comfortably say I wouldn't have been able to achieve my goals.

Cameron
26 June 2024

Fantastic professional and friendly service. Big thank you to Cody and the team for ensuring a speedy resolution after unexpected hiccup.

James
10 June 2024

Had the privilege of dealing with Cody and team and will say they are as professional as it gets. We will be recommending family and friends here going forward due to their commitment of understanding the customer's needs and delivering above and beyond service.

Matt
07 June 2024

The team at Mortgage Choice offers a streamlined experience with personalized service and transparent communication. With their user-friendly platform and knowledgeable team Johnathan especially , they make navigating the financial landscape easy and efficient.

David
05 June 2024

Really happy with the service my husband and I received from Cody and Monica on our first home purchase. They really listened and tailored their advice to our wants and needs. Communication was always prompt and they freely answered all our questions. We really felt like we were in great hands and we're really happy with the outcome thanks to the team

Kim
03 June 2024

Jess, Cody, and Georgia were amazing during my refinance. They worked tirelessly, provided excellent communication, and ensured everything went smoothly. Their dedication made the process much easier. I highly recommend their outstanding service and will always refer to Mortgage Choice williamstown.

Dusko
03 June 2024

I think 5 stars isn't enough to give to the service i received from Jess Jonathan from Mortgage Choice Transparent, responsive and simplifying the process of applying for a mortgage. From the first point of contact, they make it easy to let you exactly what documents are required and why and then from there on in they keep you in the loop every step of the way. I've found my broker for life and can't sing their praises high enough

01 May 2024

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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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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.

From 09 May 2024, if you buy a home costing up to $450,000, no stamp duty is payable at all. If the value of your home is between $450,000 and $600,000, you’ll be entitled to a reduced rate of stamp duty.

There are no additional concessions for homes valued above $600,000 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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