Lisa Carter

Your local mortgage broker in Mandurah | Home loan & finance experts

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Call: 08 9535 3888

Whether you are a first home buyer, property investor or you are interested in refinancing, our mortgage brokers at Mandurah Mortgage Choice will help you find the home loan that's right for you.

Call Us Mortgage Choice Mandurah
Office - 08 9535 3888

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

Address

32 Sholl Street MANDURAH, WA 6210

Are you looking for a Home Loan in the Mandurah area?

Whether you are a first home buyer, property investor or you are interested in refinancing, our mortgage brokers at Mandurah Mortgage Choice will help you find the home loan that's right for you.

Our expertise covers North Yunderup, Pinjarra, Barragup, Furnissdale, Meadow Springs, Silver Sands, Serpentine, Greenfields, Dawesville, Preston Beach, Waroona and many more!

At Mortgage Choice we recognise that no two customers are the same, so we take the time to assess your individual needs to find the home loan that best suits you.

We specialise in:

Purchasing your first home or upgrading
Building a new home
Refinancing Loans
Investment Loans
Personal Loans & Car Loans
Commercial Loans
Debt Consolidation
Insurance

Our experienced mortgage brokers can help you analyse and compare hundreds of different home loans and then pin point the one that is most suitable for you. We will also be there to assist you throughout the entire process of securing your home loan from application to settlement.

Pick up the phone today and speak to our Mortgage Broker Specialists on 9535 3888.

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. ~

We are over the moon with your service and cannot praise you any more than we are now. As far as I'm concerned you are a stand out business person. In the future I hope that we can do more business and I would never have a problem recommending you. You provided great service and communication.
David Mc, Parmelia, WA
- First Home Buyer

Lisa organised everything and was prompt with her communication. I didn't have to do anything because Lisa organised it all. I was very impressed with her service.
Ms J T, Mandurah, WA
- Refinancer

I was very happy with the service provided. I have had three loans with Mortgage Choice over the past 18 months.
A N, South Yunderup, WA
- Property Investor

We dealt with Lisa Carter and she gave brillian service! Everything was done very well and explained completely leaving the process drama free. It was a very pleasant experience and we have recommended Lisa to our friends and family.
Robert & Kylie D, Pinjarra, WA
- Refinancer

Lisa was just wonderful, understanding and helpful. I had problems with the bank and Lisa went above and beyond to help us.I have recommended Lisa to friends who already have a meeting with her.
G & D G, Baldivis, WA
- Upgrader

Our broker was straightforward, prompt and kept us informed and understood our situation (we went into a loan with our son). We were very impressed with the service and have dealt with this broker before.
C & A P, Greenfields, WA
- Property Investor

Lisa Carter worked hard to get me the very best deal. She has good leverage with the banks and kept me informed throughout the process. I was very impressed with her service.
Neil R, Secret Harbour, WA
- Refinancer

Lisa was very understanding and made it easy to ask a lot of questions - nothing was too much trouble. Lisa was also very prompt and got back to us asap.
Lance B & Jemma M, Baldivis, WA
- Refinancer

My broker kept in contact, was very on the ball and made the process easier. I recommended a friend to Mortgage Choice and he was very impressed by the great customer service.
Craig W, Mandurah, WA
- Refinancer

Thank you so much for the beautiful flowers Jo!
Thanks so much for all your help. We really appreciate the extra time you put in getting everything rolling in time for finance approval. You can be assured that we will definitely refer anyone we can your way. You have been awesome to deal with.
Krista F, Halls Head, WA
- First Home Buyer

Jo was very informative, professional and always went above and beyond to help me understand and walk me through the process of buying my first home.
Sara, Greenfields, WA
- First Home Buyer

Jo was amazing and has a great wealth of knowledge and information. She helped me understand my options and gave invaluable advice.
Sharon O, Carnarvon, WA
- Upgrader

The service was fantastic! Tash made the whole process of buying our first home easy and stress free. She helped us through the whole process, from when we first started thinking of buying a house right through to settlement. I would definitely recommend Mortgage Choice Mandurah to others looking at purchasing their first home.
Nicole T, Ravenswood, WA
- First Home Buyer

Jo, thanks again and I will highly recommend you to anyone looking for finance.
Stacy K, Padbury, WA
- Refinancer

Leanne, thank you very much for your help, much appreciated. We will definitely spread the word around on who helped us secure the mortgage.
A.M & C.M, Baldivis, WA
- Property Investor

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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 $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 $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 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 $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.