Lisa McDowell

Your local Mortgage Choice broker & home loan expert in Willetton, Canning Vale & Rossmoyne.

Call: 08 9259 6000

For help on your next home loan, business loan or investment loan call Lisa McDowell, your award winning local Mortgage Choice broker in Willetton, Canning Vale & Rossmoyne.

Lisa and her team of mobile mortgage brokers are here to help you through the home loan process.

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.

Our home loan service is no cost

Our home loan service is no cost to you as the lender pays us a commission after your loan settles. Pretty handy right?

We can help you if you are:

Buying your first home or next home
Upgrading your existing property
Refinancing your current home loan
Looking to see if you could save on your repayments
Building a home
Investing in property
Buying a car or vehicle
Looking for equipment for your business
Trying to find finance for your business

Mobile brokers to make it as easy as possible

After 20 years working for major banks, Lisa knows how hard it can be to leave work and get to a bank to discuss your home loan. That's why the team in Willetton & Canning Vale pride themselves on being mobile brokers, able to meet you at a time and place that's convenient for you throughout the home loan process.

It might be at work during your lunch break or at home after the kids are in bed. We're happy to make it as convenient as possible for you.

Let's talk

We're here to help you enjoy a streamlined property journey. Call Lisa McDowell and her home loans team at Mortgage Choice on 0437 968 448 or simply click on the Contact Us link at the top of this page.

Your local mortgage broker servicing: Rossmoyne, Shelley, Applecross, Ardross, Brentwood, Canning Bridge, Mount Pleasant, Alfred Cove, Booragoon, Myaree, Canning Vale, Willetton, Riverton, Bullcreek, Bateman, Murdoch, Winthrop, Leeming, Langford, Lynwood, Parkwood, Ferndale, Atwell, Aubin Grove, Banjup, Beeliar, Hammond Park, Jandakot, South Lake, Success, and Yangebup.

What our clients say about us

Thank you for being a very informative and efficient broker. Given the small amount of time available we were extremely impressed. We will certainly be referring our friends and family to you for all finance needs.

Tom Parker & Hayley Lawson (First Home Buyer) Seville Grove, WA

The service you provided for our construction loan was very professional. We will continue to recommend you as a mortgage broker. Thanks again

Rebecca McAullay (Upgrader) Duncraig, WA

Lisa McDowell was referred to us by a trusted friend who spoke very highly of Lisa and her professionalism and I must admit it was a pleasure to work with her. She obtained our finance, true to her word and covered any challenges with ease. She is very well connected, efficient, works long hours and remained in the driving seat throughout the process. Both my husband and I thought she was friendly and professional at all times. If you want service, then contact Lisa at Mortgage Choice in Willetton without delay. Thank you Lisa, we will be forever appreciative of your hard work.

Di & Johnnie (Property Investor) Willetton, 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. ~

Speedy Car Loan Lending - Too true! Can't complain about my dealings with Lisa McDowell and her assistant Bek, great speedy service. Looked at a car Tuesday and will drive away in it a week later, it's that fast and simple. Thank you Lisa & Bek - been great doing business with you both.
Tracy Cappleman, Harrisdale, WA
- Car Loan

Lisa has looked after my homes, my family's homes and my business finance and delivers every time. The attention to detail and a can do attitude always makes it an easy experience.
Buddy Moyle, Willetton, WA
- Asset Finance

The service you provided for our construction loan was very professional. We will continue to recommend you as a mortgage broker. Thanks again
Rebecca McAullay, Duncraig, WA
- Upgrader

Your professionalism, support and guidance is beyond anything I have every experienced with someone in your field. From the bottom of my heart, thank you. It means a lot.
April Browning, Thornlie, WA
- Refinancer

Lisa McDowell was referred to us by a trusted friend who spoke very highly of Lisa and her professionalism and I must admit it was a pleasure to work with her. She obtained our finance, true to her word and covered any challenges with ease. She is very well connected, efficient, works long hours and remained in the driving seat throughout the process. Both my husband and I thought she was friendly and professional at all times. If you want service, then contact Lisa at Mortgage Choice in Willetton without delay. Thank you Lisa, we will be forever appreciative of your hard work.
Di & Johnnie, Willetton, WA
- Property Investor

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.

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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.

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Your local Mortgage Choice broker & home loan expert in Willetton, Canning Vale & Rossmoyne.

Start your home loan journey today

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