Mortgage Broker in Mount Waverley & Wheelers Hill, Clayton, Glen Waverley, Mulgrave & East Burwood

Call: 0437 486 054

Our amazing team are here to help you with your financial needs, whether it be your first home, 6th home, or an investment property!
Call us on 9707 1199.

Call Us Mortgage Choice Berwick
Office - 0437 486 054

Open Hours Mortgage Choice Berwick
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
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Welcome to Mortgage Choice Waverley - Your Trusted Mortgage Brokers in Mount Waverley, Glen Waverley, and Wheelers Hill

Are you searching for the best mortgage broker in the Mount Waverley, Glen Waverley, and Wheelers Hill areas? Look no further! At Mortgage Choice Waverley, we take pride in being your local and award-winning mortgage experts. Whether you're a first-time homebuyer or seeking to refinance and consolidate your debts, our dedicated team is here to guide you every step of the way.

Why Choose Mortgage Choice Waverley?

As experienced mortgage brokers with over 20 years of combined expertise, we possess an in-depth understanding of the industry. Our mission is simple - to secure the most suitable and competitive mortgage deals tailored precisely to your unique needs. At Mortgage Choice Waverley, we believe in fostering long-lasting relationships with our clients. That's why we set exceptionally high service standards to ensure your satisfaction, and our success in achieving this goal has been nothing short of exceptional.

Expert Advice at No Cost to You

One of the key benefits of choosing Mortgage Choice Waverley is that our services come at no cost to you! Yes, you read that right. We are remunerated by the lenders, allowing us to offer you a wealth of advantages without any additional charges. By partnering with us, you gain access to:

Excellent customer service tailored to your preferences.
A vast selection of over 300 home loan products from more than 35 lenders.
Our extensive 20 years of industry experience, ensuring you're in capable hands.

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Serving the Local Communities

Mortgage Choice Waverley proudly serves the following areas:

Expanding Our Reach

In addition to our core locations, our dedicated team also manages Mortgage Choice Berwick, Mortgage Choice Frankston & Mortgage Choice Mornington Peninsula, , offering our exceptional services to even more clients across the South-East Melbourne region.

Stay Connected with Us

Stay up-to-date with the latest news, mortgage trends, and tips by following us on social media. Connect with us:

Like us on Facebook | Follow us on LinkedIn | Follow us on Instagram

At Mortgage Choice Waverley, our commitment is to empower you to make informed decisions regarding your home loan, ensuring a brighter financial future. Trust us to be your partners in achieving your dreams of homeownership.

Contact us today to schedule a consultation and let's embark on this exciting journey together!

Award-Winning Mortgage Broker | Mortgage Choice Waverley

Google Review ⭐⭐⭐⭐⭐

Big thanks to Karley and the team at Mortgage Choice!

We first approached Karley for advice on our borrowing capacity and have since refinanced our mortgage through a seamless stress free process.

Possibly should have spoken to Karley sooner, but didn’t think it would be so easy!

- Sothea

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

We had quite a difficult build, but Julianna and the team made everything easy. Could not rate highly enough

Emily
29 November 2023

Extremely happy with and grateful for the Mortgage Choice team. Karley and Becky were beyond helpful in every respect, and made my first home buying experience smooth and stress-free.

Grace
05 April 2023

Just wanna say thank you to David, Becky and Jules for assisting us with our refinancing.
My mum and I really appreciated everything that youve done to make the process easy for us. Very accommodating and always happy to answer all our questions during the entire process.

So happy and grateful with the whole team.
Highly recommended

May
29 August 2022

First home buyer's guide

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process.

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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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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.