Mortgage Brokers & Home Loan Experts | Hillarys, Ocean Reef, Mullaloo, Iluka & surrounds

Call: 0413 010 338

Our team of mortgage brokers in Northern Suburbs in Hillarys works for you (and not the banks) to get you the right deal on your home loan. From our panel of over 25 lenders, we'll research thousands of home loans to recommend one that will suit your next purchase - at no cost to you.

Call Us Mortgage Choice Hillarys
Office - 0413 010 338

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

Address

Suite A7, 32 Endeavour Rd HILLARYS, WA 6025

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Start your home loan journey today

We work for you and not the banks

We know how important it is to have access to transparent and expert advice, especially when it comes to your finances. Our team at Mortgage Choice in Northern Suburbs in Hillarys works for you and not the banks, to find you the right deal on your home loan.

With over 25 lenders and thousands of home loans to comb through, we can find the right loan option for you, whether you're buying your first home, your next investment property, a new business or your dream car.

Get straight advice - at no cost to you

You don't have to pay anything for our expert home loan service, as the lenders pay us after your home loan settles.

Save hours of research & paperwork

Whether you have been through the home loan process before or this is your first time, you can probably guess the hours that go into researching and choosing the right loan & lender, let alone the paperwork that follows.

Our mortgage broker team in Northern Suburbs will save you hours of work, by doing all the research & comparison for you. We'll then complete the application paperwork, check your eligibility for any incentives or grants, and follow up with the bank until settlement. It's like having a PA for your home loan!

We're passionate about making the process as easy and stress-free as possible for you, as well as choosing a loan that will benefit you in the long run.

More than home loans

Mortgage Choice has been helping Australians with their home loan for over 27 years. But in that time, we also became experts in other parts of your finances as well.

Refinancing
Business loans
Investment loans
Equipment finance
and more!

Get started with your own expert team in Northern Suburbs

We're excited to help you with your next home loan, investment loan or business finance. We will assist you in choosing the right finance for your purchase, and make the process as easy as possible for you.

Call our team at Mortgage Choice in Northern Suburbs today on 0413 010 338 or click on the Book an appointment button and visit our business in Hillarys

^{Our team in the Northern Suburbs service the areas of Duncraig, Greenwood, Hillarys, Kingsley, Joodalup, Kinross, Quinns Rocks, Carramar, Nowergup, Carabooda, Eglinton, Yanchep, Butler, Two Rocks, Alkimos, Girrawheen, Wanneroo, Gnangara, Mariginiup & surrounds.}

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

Troy and Naomi worked as a team to help me achieve my finance target. The whole process was fuss free. Communication was spot on and highly efficient. Highly recommended for anyone looking for a quality mortgage broker.

Robert
14 August 2023

I had the pleasure of working with Troy and Naomi as my mortgage brokers, and I highly recommend them. They are down to earth, honest professionals who prioritise their clients' best interests. Troy and Naomi are approachable and take the time to understand your financial situation and goals. Choose them for a trustworthy and dedicated service. Thank you, Troy and Naomi

Chris
29 June 2023

Naomi has helped us to refinance and consolidate. The process was made easy and stress free with the excellent communication, keeping us updated every step of the way. We cannot thank Naomi enough for her professional approach and excellent service. Highly recommended.

Tahlia
17 November 2021

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

Download now

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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.