Mila Cross - Mortgage Broker Perth | Inner Northern Suburbs

Call: 0437 220 497

As your mortgage broker servicing Perth CBD, Mila Cross can help you purchase your first home, an investment property or upgrading the family home.

Contact Mila this week to discuss your situation
0437 220 497
Mila.Cross@mortgagechoice.com.au

Call Us Mortgage Choice Kingsway
Office - 0437 220 497

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

Address

PO Box 18 KINGSWAY, WA 6065

Latest home loan interest rates

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Start your home loan journey today

How can Mila Cross Mortgage Broker help you?

As your Mortgage Broker in Perth, Mila Cross will compare hundreds of highly competitive home loan options from a wide choice of lenders, including the big banks.

Our job is to make it easier for you by preparing the paperwork, lodging the application and following up with the lender for you as your loan progresses to settlement.

We can also help you with commercial loans, car loans, personal loans, asset ﬁnance, general insurance and credit cards.

It means as your mortgage broker, we only recommend the loan that’s right for you. We have no incentive to recommend a loan or lender because it pays a higher commission.

Reach out to our team this week!

Contact Mila Cross on 0437 220 497 or Mila.Cross@mortgagechoice.com.au to discuss your next step.

Mortgage Choice - Mila Cross

can help you with:

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Newman, Port Hedland, Perth, Cottesloe and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with me to discuss your unique circumstances.

Free Home Loan Resources

Are you looking for more information? We can help! We have free home loan resources which are packed full of information about the home loan process and the pros and cons. Check them out below!

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

Mila helped my wife I get a better mortgage interest rate. She was very professional, very helpful and efficient getting the best deal for us. She made the process very smooth and easy.

I recommend Mila to anyone seeking a broker

Thank you very much Mila Very happy with your service

12 April 2024

Would highly recommend Mila She has helped my husband and I refinance, consolidate loans, and save money She was a dream to work with and really cared about getting us the best deal possible. Thankyou Mila

Elissa
11 April 2024

I cannot recommend Mila highly enough, from the initial consultation to settling the deal she truly went above and beyond for me to ensure I was well prepared and informed at every step of the process

Hannah
06 February 2024

Mila at Mortgage Choice far exceeded my expectations in every avenue, she went 110 on every aspect in securing our finance. She coached us through the entire process from start to finish. She is a lovely person, genuine in every way and super helpful. I certainly without reservation would recommend Mila to anyone looking for a Broker. Well Done Mila, and Thanks

J
22 January 2024

Working with Mila has made our journey of purchasing a home clear and pleasant. She was there for us every step of the way, never made us feel like we asked any silly questions even though I'm sure I asked many and she was always a step ahead of the process, meaning we were able to obtain financial approval in a very timely manner. Mila is a genuine professional and incredibly considerate and kind. I ca... read more

Tyla
19 January 2024

Mila from Mortgage Choice has been an absolute dream to work with while we have been refinancing our home loan. She has made the whole process so easy and enjoyable when it can be a very tideus task Appreciate everything you have done for us and helping our family save some money

Sinead
14 December 2023

easy to deal with made the whole process of refinacing a breeze verry happy couldnt ask for a better mortgage broker thank you verry much mila extreamly happy whith how easy you made this process couldnt recomend you enough

sean
12 December 2023

I am so grateful to Mila for being so helpful and keeping us up to date at all times. Fantastic advice and we are really happy with our product. Thank you Mila for your dedicated service

Kristine
13 November 2023

Mila did an amazing job walking us through the process, answering all our questions and ensuring we had no hiccups along the way She was exceptionally quick to respond and was willing to reply after hours and on weekends to ensure we were set up for success.

Jess
05 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

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/ month
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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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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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First Home Buyer?

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Total fees:

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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.

Mila Cross - Mortgage Broker Perth | Inner Northern Suburbs

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