Your Home Loan Experts are at Mortgage Choice in Kingsley

Call: 0488 839 212

If you are looking for an experienced and friendly team to help you on your home loan journey, get in touch with Mortgage Choice in Kingsley today!

We can calculate your borrowing power, compare your options, give you expert advice and do all the legwork. And our local home loan service is at no cost to you.

But don't take our word for it - check out our Reviews page to see our 265+ 5 Star Reviews and hear what our clients have to say about their own experience with our team!

Call Us Mortgage Choice Kingsley
Office - 0488 839 212

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

Address

Kingsley Professional Centre, Suite 18, 56 Creaney Drive KINGSLEY, WA 6026

Latest home loan interest rates

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Start your home loan journey today

**Since beginning in 2001, Mortgage Choice in Kingsley has always had one focus - helping our clients make better choices for a better life.**

We excel at this by not only being client centred, but also by:

Having strong and reliable processes in place, where each loan application is looked after by our team of experts;
Embracing technology so we can continue to streamline and improve the application process;
Focusing on communication, ensuring all stakeholders are kept informed each step of the way; and
Being a helpful and useful part of our local community - we truly love what we do, and we enjoy educating, helping and working with the people around us.

“I think Mortgage Choice in Kingsley hold customer service as their #1 priority, you cannot better that”
- Vivek and Jehan, Kinross

For expert home loan advice at no cost to you, give our team a call on 0488 839 212 or book an appointment with Mortgage Choice in Kingsley today!

At Mortgage Choice in Kingsley we offer our clients so much more than home loans. We can also assist you with:

Car finance
Commercial loans
Equipment finance and leasing
Business loans
Refinancing
Personal loans
Insurance

“The team at Mortgage Choice in Kingsley were fantastic yet again! Thank you for such an easy and quick loan process. Your team are incredible at keeping us fully informed and going above and beyond to meet our very tight deadline. I would never trust anyone else to look after our home loan.”
- Alysha, Sinagra

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

Very helpful and guided us through any stuff we didn't know

Paul
02 April 2024

Contacted Michelle following a recommendation on a Facebook post. Michelle responded immediately on the Friday night and, arranged a convenient time to call us on Monday.
She was very informative as first-time buyers Michelle provided all of our options around buying established or new home, this included upfront costs involved with stamp duty and lenders mortgage insurance and even discussed off set ac... read more

finley
26 February 2024

Tim and his team were fantastic through the whole process. They were all very responsive and diligent throughout. Their guidance and insight was great.

Will
20 February 2024

We cannot recommend Tim, Pascal and Jim more highly. Every step of the process of buying was made easy and completely stress free. Their communication is second to none and their manner is sincere, genuine and professional. Nothing is too much trouble, and thanks to them and their knowledge, we now have our dream. 100 recommended Thank you to you all-we're very grateful.

19 February 2024

The team at Mortgage Choice Kingsley give great advice and communicate your options clearly. Thank you to the team for making the process of purchasing a house less stressful.

10 January 2024

Great team, very warm, helpful and hardworking. I definitely recommend

Megan
03 January 2024

I recently had refinanced my mortgage and Mortage Choice in Kingsley have provided professionalism, timely responses, and steadfast support made the entire mortgage process seamless.

Michelle exuded professionalism from the start, demonstrating in-depth knowledge of the mortgage industry. Her patient guidance through various mortgage options provided us a very clear picture making it easier what to choo... read more

Dario
28 December 2023

Such a friendly and professional group to work with. We have used Kingsley Mortgage Choice on a couple of occasions and would definitely continue with the team into the future.

Samantha
21 December 2023

Amazing work and patience I felt with our refinancing with Michelle and the team from mortgage choice thank you so much for everything youve helped us out so much great team xxx

Natalie
06 December 2023

Really pleased with the service from the team, we were primarily dealing with Tim and Pascal, but in the background others were also responsible for an overall easy and supportive refinancing. Will return.

29 November 2023

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

Download now

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Calculate

You could borrow up to

Repayments
/ month
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Remaining

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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Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

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Your monthly repayments
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Total interest charged:

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.

Value of property

State

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Type of dwelling

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First Home Buyer?

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Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
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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.

Click here for more information on the WA First home Owner Grant.