Your local Mortgage Choice broker & home loan expert in Willetton, Canning Vale, Atwell & surrounds

Call: 08 9259 6000

Embark on your home loan journey with confidence by reaching out to Mortgage Choice in Willetton & Canning Vale today! Our experienced and friendly team is dedicated to guiding you through the entire process, ensuring a smooth and stress-free experience.

Your dream home is within reach, and we're here to help you every step of the way. Contact Mortgage Choice in Willetton & Canning Vale today, and let's turn your homeownership dreams into a reality!

Call Us Mortgage Choice Willetton
Office - 08 9259 6000

Open Hours Mortgage Choice Willetton
Mon - Friday 9am - 5pm
Free Appointment

Address

Unit 2, 300 Vahland Avenue WILLETTON, WA 6155

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Start your home loan journey today

Your local Willetton & Canning Vale Mortgage Choice broker

Whether you're right at the start of your home loan process or ready to get going straight away, Lisa and the team are ready to help. With over 20 years experience in the banking industry and 14 years as a lending manager at ANZ, Lisa has the experience and the team to make your home loan journey as stress free as possible.

Find out more about Lisa and her team here

Keeping you updated along the way, Lisa and her team help figure out what you want from a home loan and then search through hundreds of home loans from over 20 lenders - including all the big banks - to find the right one. They then complete and submit the paperwork and ensure your loan is moving through your lender - all at no cost to you.

What our clients say about us

Lisa McDowell from Mortgage Choice - You are amazing, super patient, very efficient, you have the best communication skills, you are super polite and kind and you and your team have made getting a mortgage an absolute breeze.

I highly recommend Lisa and her team (Mardi and Nicola) they have not only been easy to deal with but they've made getting our mortgage and re-financing applications an absolute breeze. I couldn't have done it without them. I tried to get a mortgage in 2021 when the banks were high in demand and even with a decent deposit I still couldn't get a pre-approval until Con Matthews (O'Neil real estate) referred me to Lisa and I am so grateful he did. If it hadn't been for Con referring me when I was house hunting I don't think it would have been possible for my husband and I to be in our own home today.

We then reached out to Lisa a couple of weeks ago for assistance to re-finance to do some home renovatations and again it was easy, smooth and now we have re-financed during a very hard time for most banks and appplicants and we have just been approved.

I am so grateful and amazed at how easy it has been working with Lisa and her team. If you are serious about home loans, re-fiancing or assistance with bank pre-approvals I cannot recommend Lisa enough she has made our lives so much easier and we couldn't be happier.

Chris & Jess (Home Loan) Mount Nasura, WA

I would like to thank Lisa & the whole team at Mortgage Choice, Willetton.
For someone who has worked in home lending in banking industry in the past, I was very reluctant to use a mortgage broker. My experience was fantastic. Your communication about the process and updates was constant. I never had to call or email to find out what was going on at any time. Looking forward to getting my new car this week after nearly a 12 month wait. Thanks for all your help and finding us a great deal that will save us around $400/month on repayments.
I would not hesitate to recommend you in future.

Brenton & Kerrie (Refinancer) Willetton, WA

Lisa, Mardi and Nicola were so helpful through the whole process. I never once not knew was going on and was kept in the loop at all times! They went out of their way to get things moving and processed quicker!! Couldn’t recommend them more!

Carly (Refinancer) Huntingdale, WA

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

The support, speed of preparation of the documents and communication from the entire team through the entire process was first class.

Mark
09 April 2024

Great service super helpful Hardly recommended.

Yashar
28 March 2024

Mortgage Choice Willetton team are the best I walked into their office to enquire about getting a mortgage after reading amazing reviews about them and they did not disappoint. They let me know my borrowing capacity and helped me find a suitable lender. Mardi and Lisa communicated with me promptly every step of the way.
I am happy to say, I am a proud First Home Buyer
I gladly recommend Mortgage Choi... read more

Sarah
27 March 2024

I highly recommend Lisa Mcdowell her team. We have dealt with her now quite a few times with sorting out loans for the purchase of property house builds. Nothing is too much trouble for Lisa she is there to answer all our questions. Very professional, knows what she is talking about a lovely lady to deal with. She really cares about the process her clients. Thank you so much we recommend you 100.

Jasmin
09 February 2024

Mortgage Choice - We mainly worked with Lisa and Nicola - were great. Very informative, knew what they were talking about, had our best interests at heart and really helpful with everything we asked needed required. Would def use Lisa and her team again.

Kyra
08 February 2024

Really good estimsting of borrowing capacity and support to get loans through. Advice provided when selecting a loan including relevant features was very helpful. Also providing updates on progress of finance approval provided assurities in meeting key dates.

Benedict
17 January 2024

Wonderful team. Highly recommend them to anyone refinancing.
Lisa, Mardy and Nicola have never failed to look after us. Awesome service.

Karl
08 January 2024

Great communication, everything was clear. Whole refinancing process was smooth and efficient.

Sie
04 January 2024

Great service .ready to help .great advice. Made my experience easy .thankyou

John
22 December 2023

Lisa and team very helpful, knowledgeable and offer a great service. Thank you - we are now enjoying our new home immensely

Tara
27 November 2023

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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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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.

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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.

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

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Your local Mortgage Choice broker & home loan expert in Willetton, Canning Vale, Atwell & surrounds

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