Mortgage Broker Mount Waverley

Home Find a local expert Kevin McCann

Your local mortgage broker helping you to find the right loan

Call: 03 8809 7700

Looking for a home loan? Talk to Kevin McCann your local Mortgage Choice broker in Mount Waverley

Call Us Mortgage Choice Mount Waverley
Office - 03 8809 7700
Fax - 03 9807 5773

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

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20 years' experience and a wealth of industry contacts dedicated to your needs

With the team at Mortgage Choice in Mount Waverley, you’re gaining access to over 21 years of Mortgage broker experience as well as 20 years of Lending experience acquired while working directly with major lenders. This combined experience has resulted not only in hundreds of happy customers, but formal recognition from Mortgage Choice by being named part of ‘Squadron 15’.

Advice at no cost to you

Some brokers steer you towards loans that are better for them than they are for you. We get paid the same rate no matter which home loan you choose from our 20+ panel of lenders. So you can be sure that we only want the best deal for you!

We can help you with:

Home loans
First home buyers & information on first home buyers grant
Debt Consolidation
Investment loan
Bridging Loan
Refinancing
Car loans
Personal Loans
Financial planning
Insurance
Superannuation
Commercial property finance

We can help you in English and Chinese

We have our services available to you in both English and Chinese in our Mt Waverley office.

Make your next loan easy

Contact our team at Mortgage Choice in Mount Waverley let us take the stress & hassle out of getting a home loan.

Visit us at Unit 1, 22 Avondale Grove Mount Waverley or call us on 03 8809 7700 or use the Contact Us link at the top of the page.

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. ~

Google Reviews

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It was comforting and reassuring that you were always happy to answer our questions throughout the whole process even if we had already asked them before. You made yourself available to go through things again so that we could understand what was going on you seemed to understand that it was a stressful time for us and therefore required to have things explained more than once to keep us calm
Darren & Narelle, Emerald, VIC
- Upgrader

Brilliant service and response - as you know, life-saving! I'm incredibly grateful to Kevin and Lisha for their superb custormer service. Especially when being a first-home-buyer 'rookie' - the learning curve was very steep, and I will always be grateful for the helpful and considerate information and guidance that was provided.
Shane, SANDHURST, VIC
- First Home Buyer

Just thought I would let you know that the change to my new Mortgage lender went through, with minimal fuss. I would like to thank you and your staff for a great service, ( we had some challenging issues to deal with) and the assistance you have given as we changed mortgage providers has been invaluable. I would have no hesitation in recommending you and your service to my friends and family, as I know Word of mouth is probably the best form of positive advertising. Thanks again for all your hard work.
Tracey , Millgrove, VIC
- Refinancer

We would like to thank you for all your time and effort in helping us get our home loan. Thank you for your continued support whilst we were overseas for the 12 months.
Tara , Lara , VIC
- First Home Buyer

Kevin McCann was great, with out his help I would not have being able to refinance my loan for the renovations I was planing to do. I would recommend his service and give full credit to his professionalism and knowledge he has of the mortgage industry. When I am ready to purchase my next property I will be seeking Kevin's help.
John, HALLAM, VIC
- Refinancer

Very happy with the service. This is the second time Kevin has setup my loan. Wouldnt hesitate to refer him to others or use him again in the future should the need arise.
Peter , BENTLEIGH, VIC
- Refinancer

We really enjoy working with Kevin and his team - friendly, professional and always prompt and honest. We trust Kevin to do the right thing by us with our loans which is rare and very important.
Toni , Glen Waverley, VIC
- Upgrader

Kevin and Katrina were very helpful in me getting a good home loan. Kevin was able to stay back late to accommodate my working schedule. All of the home loan choices were made clear including different lenders home loan rates and their payment plans.
T Smith, Endeavour Hills, VIC
- First Home Buyer

We were more than satisfied with the friendly, thorough, patient & professional service we received. Thank you very much!
S & M Evans, Cranbourne, VIC
- First Home Buyer

Thank you very much for all your help with my mortgage application. You were very informative and very helpful in explaining the loan process. The whole loan process was very smooth and my enquiries were always answered promptly. I am very happy with your service and would definitely recommend it to my friends and family.
Amy , Glen Waverley , VIC
- First Home Buyer

We greatly appreciate you and your teams' efforts. It is brilliant how you complete our application in such a short time.
We appreciate your professionalism and your dedication to help us and we will not hesitate to refer you to our friends and family
Ee & Qing, Wheelers Hill, VIC
- First Home Buyer

This is a note to say thank you to you and your colleagues for providing the First Home Buyers Seminar. I found it to be a clear and informative seminar, that was presented in a straight forward approach. What was also valuable about it, was that, it was well targetted to the first home buyer, especially since there seems to be a lack of information readily available in seminar format.

Amanda, Mount Waverley , VIC
- First Home Buyer

Kevin, our broker knows his products and recommended the best discounted interest rates and lenders which we could choose from. His service was very professional. His staff kept us informed with developments in setting up our loan with the banker. This is the second time that we have used Kevin and Mortgage Choice.Please convey our thanks to Kevin and his staff. Kind Regards John & Roslyn
John & Roslyn , Glen Waverley, VIC
- Refinancer

I found Kevin and his team to be very professional, as I live abroad most of our correspondence was done via emails and phone calls before we met in person when we went to Melbourne to look for an investment property. Through the whole process Kevin and his team were excellent. Very informative and helpful, we can't thank them enough.
Adam , South Yarra , VIC
- Property Investor

I moved in to my new home. Though there are lots of packing boxes & chaos in there, there is one more thing that outnumbers this stuff. That is immense satisfaction of owning a property! Its all because of amazing service you guys have provided. All the formalities went absolutely seamless. A big thank you to you from me & Amita. As I have already done with couple of my friends, I will definitely recommend your services to my friends who have currently started looking for property.

Thanks again for exceptional work & hope to work with you again when I start thinking about my investment property.
Amita & Abhijit, Ferntree Gully , VIC
- First Home Buyer

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.

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 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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Your local mortgage broker helping you to find the right loan

Mount Waverley

Latest home loan interest rates

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

20 years' experience and a wealth of industry contacts dedicated to your needs

Advice at no cost to you

We can help you with:

We can help you in English and Chinese

Make your next loan easy

The right home loan for your needs

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