Mortgage Broker Belmont WA - Home Loan Experts

Home Find a local expert Michael Killiner

Mortgage brokers in Belmont | Home Loan & Financial Planning services

Call: 08 9277 9888

Looking for a home loan? Talk to your local mortgage broker and finance experts servicing Belmont, Cannington, Victoria Park plus many more! Contact us on 9277 9888.

Call Us Mortgage Choice Cloverdale
Office - 08 9277 9888

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

Address

Belmont Business Centre, Unit 5, 226 Fulham Street CLOVERDALE, WA 6105

Expert home loan advice, at no cost to you!

We are your local mortgage brokers servicing Belmont, Cannington, Victoria Park plus many more!

With over 13 years experience in the finance industry, the team at Mortgage Choice in Belmont can find the right home loan for you.

Our team are proudly customer first focused and we’ll help you work towards you home owning goals, all at no cost to you.

What does a mortgage broker do?

When you meet with our team of mortgage brokers, we’ll take the time to understand your individual circumstances and your goals to find the right home loan for your needs. We can help you with:

Purchasing your first home
Upgrading your home – whether you’re looking to sell your original home and need a bridging loan or you are looking to use equity in an existing property to purchase a new one.
Building a new home. We can also help with any building grants you may be eligible for
Refinancing your current loan to make sure you still have the right loan for your situation
Investment Loans to help you build your portfolio
Personal & Car Loans
Commercial Loans
Debt Consolidation

We're about more than just home loans

At Mortgage Choice in Belmont, we genuinely care about our customer’s financial wellbeing. With a team of dedicated mortgage brokers and an in-house financial planner, we can help you with a full range of financial services to help you achieve your goals.

Our financial planner can help you with:

Personal insurance
Investment planning
Superannuation
Wealth creation
Retirement planning

We'll come to you

Our team of mortgage brokers in Belmont are mobile, which means we can meet with you at a convenient location of your choice - right across Perth.

Pick up the phone today and speak to one of our Mortgage Broker Specialists on 9277 9888 or drop into our office at 5/226 Fulham St in Belmont Business Centre. You can also click on the Contact Us link at the top of this 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

Thank you so much for all your help. I'm so glad I walked through the Mortgage Choice door that day and I couldn't have done it without you! I really appreciated the effort you put in to getting me this loan.
Rosa O, Redcliffe, WA
- Refinancer

Thank you to Mortgage Choice for making this so easy. We never thought we would be into our first home so soon. Hope to be in touch for our first investment soon.
Chelsea & Luke T, South Perth, WA
- First Home Buyer

Thanks for all your assistance with consolidating my old loans and setting up the new one.

I realise that there was a lot of back and forth with both myself and the bank. I really appreciate your assistance answering all of my questions.

Hopefully you will be able to assist me again when I am considering my next property purchase.
David S, Belmont, WA
- Refinancer

Dave, we just wanted to thank you so much for all of your help with our loan. You went above and beyond in effort and I can honestly say I'm happy to recommend you to my friends and family . Thanks again!
G West & S Williams, Bentley, WA
- Upgrader

It has been a pleasure and easy to deal with David. He has kept me informed in all parts of the loan process and answered all my queries promptly. Keep up with the good work. I will get in touch with you again for my next purchase.
Cris C, Seville Grove, WA
- Upgrader

David, first of all a big thanks for all your expertise and professional manner in which you handled our finance request. If there is anyone we know of needing financial assistance for a mortgage we will without a doubt recommend them to you.
Diane & Jeffry S, Greenfields, WA
- Upgrader

David, thank you so much - I will certainly be referring you to others citing your dedication and tenacity.
Les T, Leda, WA
- Refinancer

Carly, we wanted to say a huge thank you for all of your input during this process. You've made the whole journey completely hassle free and it's been a pleasure dealing with you from start to finish.
Neil & Zoe B, Aubin Grove, WA
- Upgrader

David, you have been an absolute god send and have made this whole event stress-free. We will have no hesitation in recommending you for any financial advice.
Paul & Di P, Attadale, WA
- Property Investor

David, we'd just like to say a big thanks for the smooth transition to refinance our loan. We would recommend you to anyone. You were able to find us a suitable loan with the best interest rates with no dramas.
Diane S, High Wycombe, WA
- Refinancer

A very big thank you to Andrew, David and the team at Mortgage Choice Belmont – you did an amazing job sorting out the finance for my new home.

Your team has great knowledge of what is happening in the finance world and coupled with strong communication skills, the whole process with your office was flawless. You guys went above and beyond, nothing was too hard and took the time to sit down and explain the different options available and which ones were best suited to my needs. I’m referring Mortgage Choice Belmont to all my family and friends.

Well done and keep up the good work!
Mimma D, Dianella, WA
- Upgrader

Thanks Michael for the efforts to get my first property! There was some very challenging circumstances but you persisted and kept me updated the whole way without a drama. Keys are now in my hand thanks to you. Its really appreciated, thanks.
Damien R, Stuart Park, NT
- First Home Buyer

David, we were very happy with your support throughout the process - thank you! Your knowledge, attention to detail, availability and good sense of humour were key strengths.

We will continue to recommend you in future to our friends and colleagues.
Hayley A & Aaron T, Belmont, WA
- Refinancer

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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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Mortgage brokers in Belmont | Home Loan & Financial Planning services

Cloverdale

Expert home loan advice, at no cost to you!

What does a mortgage broker do?

We're about more than just home loans

We'll come to you

The right home loan for your needs

Google Reviews

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