Justin Smith, Wendy Banks & Jordyn Quinn - Mortgage Brokers in Mandurah, Lakelands, Pinjarra & Surrounds

Call: 08 9535 2444

Justin and the team at Mortgage Choice Mandurah provide a dedicated, personalised, local mortgage broking service and always place the interests of their clients first. They pride themselves on always finding a loan that is perfectly suited to each client’s unique circumstances and needs.

Call Us Mortgage Choice Mandurah
Office - 08 9535 2444
Fax - 08 9527 1844

Open Hours Mortgage Choice Mandurah
Monday to Friday 9am - 5pm
Free Appointment

Address

8 Sholl Street MANDURAH, WA 6210

Latest home loan interest rates

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Start your home loan journey today

Services

Justin and Wendy are an experienced team with a broad skillset in all areas of lending and an impressive knowledge of the local Peel market. Whatever your financial aspirations are, they can offer strategic lending solutions to help you achieve them.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)

Ready to start your home loan journey with our help?

Find out for yourself why our customers are so happy. I'll make your next purchase an easy one.

Call us on 08 9535 2444 today.

A little more about our service

Mortgage Choice Mandurah are a one-stop-shop for your entire property purchasing journey, offering essential information such as RP Data sales reports, suburb profiles and property values to support your decision-making.

Wendy and Justin are active members of the local community and offer a mobile service across the Mandurah/Peel region. Wendy also services Perth and south-west WA.

Mandurah
Lakelands
Madora Bay
Greenfields
Halls Head
Dawesville
Coodanup
Pinjarra
Ravenswood
Yunderup
Erskine
Falcon
Dudley Park
Meadow Springs
Silver Sands
San Remo

What is your borrowing power?

When you're ready to purchase your property, it's important to have a good understanding of how much you can borrow. We know that finding out how much you can borrow for a property can be a bit confusing, which is why we have some great resources at your disposal.

Feel free to check out our easy to use home loan calculators here or get in touch with us to discuss your unique situation.

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

Justin and the girls all went above and beyond to help us with our refinancing and anything we needed help with

Jarrod
17 November 2022

Very satisfied with the service from Justin and especially Rita Sach who was on call 247.
Thank you to you all.

Tony
18 October 2022

Very knowledgeable and friendly staff who look to make the process of refinancing as easy as possible

Mikael
18 September 2022

Happy all
And all with Justin even when he was having time off we could still get answers will be using again when We build

Scott
17 August 2022

Really supportive, patient and helped with everything needed especially for a first home buyer.

Shae
04 August 2022

Nice people very helpful made the whole experience very easy

Tk
19 July 2022

Great service, helpful feedback to many questions I had & overall made the process easier for me! Highly recommended

Jonathan
26 June 2022

Very helpful and friendly service.

Andreas
18 June 2022

What a great team
Thankyou for your professionalism
Your knowledge and assistance.I am very satisfied and will absolutely be a return customer and will happily recommend Smartline to family and friends without any hesitation. Thankyou again Smartline team.

Preethy
28 April 2022

We would like to thank and appreciate, promote and share smartline Mandurah for their goods and services ,from company's friendly , professional and welcoming staff, who made the whole home loan process so cool, smooth and stress free for us.
Not to forget Wendy Banks who was their and still with us from day one to guide and achieve our home loan application accomplished .
Thank you Wendy and Smartline Personal Mortgage Advisors, Mandurah

Manpreet
18 April 2022

Very professional and friendly team. Helped to make the process of buying my first home a joy ??

Robert
13 July 2022

Wendy was secured me a great loan and helped me through the paperwork to access all the government grants I was eligible for. Wendy and the staff at the Mandurah branch were always friendly and willing to help at short notice. Thank you!

Samantha
17 June 2022

Wendy was amazing she answered all my questions and was happy to do so I can not thank her enough for making this process as easy as possible.

Jade
16 June 2022

Wendy was absolutely amazing right from the very first time we met. Nothing was ever too much for her and she kept me fully informed during every step of my application. As a first home buyer I needed that little bit of extra help with forms etc and nothing was too much. The whole team at the Mandurah office were great. I would definitely recommend Wendy to anyone.

Kirsty
14 June 2022

Wendy was very helpful and answered all my questions.
Thanks

Andreas
04 June 2022

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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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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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.