Kerry Cramer | Local Mortgage Broker in Bendigo

Your Mortgage Brokers & Home Loan Experts in Bendigo, Castlemaine & surrounds.

Call: 03 5441 4422

With years of experience in finding the right finance solutions for the community in Bendigo & surrounds, Kerry and Rick are passionate about giving you access to the best home loan options on offer.

Call Us
Office - 03 5441 4422
Fax - 03 5441 4442

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

Address

PO Box 75 STRATHDALE, VIC 3550

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We work hard for the most important person - you!

Our beautiful regional area can present some issues when it comes to banking & finance. But with years of experience in finding the right finance solutions for the community in North West Victoria, Kerry Cramer and Rick White are here to give you access to the best finance options on offer.

Our main focus is to take the stress and hard work out of the loan process, while working to get you into your new home.

We match you to the right home loan

Our team in Bendigo are passionate about helping you achieve your finance and property goals - which means finding you the right home loan! Doing your own research could mean spending hours comparing home loans. We could do this all for you - at no cost to you.

We spend time understanding your needs, and then analyse hundreds of home loans to find the loan to meet your goals.

We'll present some clear options for you to choose from, and spend time structuring your loan effectively. Our team will recommend the most suitable lender for your situation, which can be especially important in a regional area.

We have a quality panel of home loan lenders

We have access to hundreds of loans from over 20 lenders on our panel, which we research and compare to find the right loan for you. From Australia's big banks down to some of the smaller boutique lenders, Mortgage Choice has everyone covered.

A wide choice of lenders is important in a regional area, or if you need something particular like a low doc loan for self employed or you're buying a more unique property. Check out the lowest interest rate on our panel!

Our team in Bendigo & Castlemaine will direct you to the most suitable lenders and fight to get you the best deal.

We will manage the whole process

The last thing you want to be adding to your busy life is a whole bunch of paperwork that you have to work out on your own. Now you don't have to! Our team manage the whole process for our customers, which not only saves you time & possibly money, but will also give you the best chance of being approved.

Kerry and Rick have had hundreds of home loans approved and can put together a high quality application for you. Our team in Bendigo will then follow up with the lender and provide you with regular updates on how your loan is progressing. Find out more about our home loan service here.

We believe in healthy finances for life

Your finances will contribute to your quality of life. And we know it doesn't just start and end with your home loan.

That's why we're here to be your financial support team for life! We will remind you when it's time to refinance to a lower rate and save money on repayments, or help you strategise for your first investment property when the time comes. Find out more about our refinancing service here.

You can always call on us for help with your loan or your lender - all at no cost to you.

What makes Mortgage Choice different?

Our home loan service is no cost to you, as the lender you choose pays us after your loan settles. But, as Mortgage Choice brokers we are paid the same rate regardless of the home loan you choose from our wide choice of lenders. This ensures we are focused on the right outcome for you!

Informed, expert home loan help from Bendigo to Romsey

Kerry & Rick are committed to helping you with your finances and finding the best home loan deal. We are a mobile team of mortgage brokers and happy to come to you! We are also able to help via phone & video chat during Coronavirus isolation requirements.

Call Kerry on 03 5441 4422 to chat or click on Contact Us to leave us a message.

We service the areas of: Bendigo, Castlemaine, Kyneton, Woodend, Romsey, Strathdale, Riddell's Creek, Echuca, Swan Hill, Mildura and all throughout North West Victoria.

"I am so appreciative! You really got me over the line & kept persisting for me. I will definitely contact you in the future and pass on your details to family & friends. You have been nothing short of amazing!"
(Maree, First Home Buyer, Echuca)

We can help you with:

Home loans
First home loan (and government incentives)
Investment property loans
Refinancing your current loan
Reviewing your current home loan
Car loans
Personal loans
Funding a renovation
Business finance / commercial loans
Equipment finance for your business

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. ~

Kerry was amazing. So easy to talk to you, and spoke to me in easy to understand terms. He always took time to explain things to me if I was unsure. An absolute delight to deal with. Thank you so much!
Hayden, Echuca, VIC
- Refinancer

I am more than happy to recommend your services to anyone. Even though our respective addresses were quite apart, it made no difference at all. A very stressful time made much easier. Thank you so much once again.
C. Smith, Beaconsfiled, VIC
- Upgrader

The service you provided was excellent - you went above & beyond to assist me in my application. Thank you so much for your help!
Julie, Bendigo, VIC
- Asset Finance

Thank you so much Kerry for all your help. We really can't thank you enough. We would definitely refer any potential clients your way.
Katrina and Sam, Echuca, VIC
- Refinancer

I am so appreciative! You really got me over the line Kerry & kept persisting for me. I will definitely contact you in the future and pass on your details to family & friends. You have been nothing short of amazing!
Maree, Echuca, VIC
- First Home Buyer

Thank you Kerry, for your hard work. We really appreciate the effort you put in.
Richard & Michelle, Romsey, VIC
- Refinancer

Step-by-step guide to home ownership

There are many steps involved in purchasing a property which can vary between residential and investment properties. This guide explains each step in order as well as what is involved at every stage of the purchasing process.

Download now

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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 $176,000 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.

The Territory’s First Home Owner Discount has been in place since 8 February 2019. It lets you save up to a maximum of $18,601 on the cost of stamp duty. The savings is available whether you buy a new or established home as long as the home is 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 $15,000 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 $400,000 or less for your block. Whereas if your first home is valued up to $500,000, you pay zero stamp duty. That’s a saving of $8,750, 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 $505,000, you pay stamp duty of $1,050, a saving of $7,875. These savings cut out altogether if your first home costs $550,000 or more. On a property valued at $550,000, for example, the stamp duty would work out to be $10,600.

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 or build a brand new home. You can choose from a house, apartment, townhouse or villa, but you will only be able to claim the FHOG SA if you pay below $575,000 for your home.

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 $20,000 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 Melbourne. Or you can receive a FHOG of $20,000 if you buy/build a new home in regional 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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