Peter Craig

Your Mortgage Choice home loan broker from Pakenham to Hampton Park

Call: 03 5611 3399

Looking for a home loan? Talk to Peter Craig, your local Mortgage Choice broker from Hampton Park, VIC. Let us research and compare over 20 lenders for you.

Call Us Mortgage Choice Pakenham
Office - 03 5611 3399

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

Address

123 Main Street PAKENHAM, VIC 3810

Start your home loan journey today

As your local mortgage broker, Peter Craig can help you find the home loan that’s right for your needs.

Talk to us if you are looking for:

First home buyer loans
Refinance home loans
Property investment loans
Self employed home loans
Family pledge loans
You’d like to upgrade or renovate your home.

We guide you through the home loan process

Make your next home loan easier than you ever imagined possible – all with Peter’s help:

We’ll find the home loan best suited to you from our extensive panel of lenders
Assist with the loan application - and handle the paperwork on your behalf
If you’re a first home buyer we can help with the First Home Owner Grant
We’ll liaise with your lender, solicitor and real estate agent, and
Keep you up to date with the progress of your loan right through to settlement.

We come to you

We understand how busy you are. That’s why we’ll meet at a time and place that’s convenient for you – including your home or workplace. We service Berwick, Beaconsfield, Endeavour Hills, Hallam, Narre Warren, Officer and Pakenham and surrounds.

Call today to get started sooner

Simply call Peter Craig on 03 5611 3399 or 0417 744 992 to start achieving your property goals. Or email at peter.craig@mortgagechoice.com.au.

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. ~

Whether your a first home buyer, refinancing or buying an investment property Peter Craig is the man you want. He is very professional, has extensive knowledge in the industry. approachable and explains things to you so you understand. I have dealt with Peter on two seperate occasions and wouldn't hesitate to recommend Peter to family and friends. Peter returns calls promptly and you are kept up to date from the start to the end of your transaction. A service which is rare to find.
NP, Endeavour Hills, VIC
- Refinancer

Its great to speak to someone who has had many years experience and knowledge in the industry. We also found that you were quite prompt to get the ball rolling for our loan and willing to help. Great job and you would definitely hear from us in the future. Thank you.
SS & VK, Lynbrook, VIC
- First Home Buyer

Extremely happy, have gone through 5 loans with Peter and always goes above & beyond. Highly recommended & will always use him for loans.
N & R Thomas, Edithvale, VIC
- Upgrader

Thanks Peter for your prompt service, always keeping us updated on our loan progress. Very easy to deal with and very positive and realistic. Thanks again.
LB & TM, Frankston South, VIC
- Upgrader

You have great knowledge of banking and mortgages and come across passionate about your job. Also you don't come across as being in a hurry and are happy to sit and talk and build rapport.
RW, Pakenham, VIC
- Refinancer

You have always been very professional and also extremely friendly. You respond very quickly to all of my requests and I'm very happy with every loan you have organised for me. I wouldn't hesitate to recommend you to anyone.
RV, Berwick, VIC
- Upgrader

I was happy 8 years ago and just as happy with your service this year. I wouldn't go with anyone else. I love how you take care of everything and make the whole process stress free.
L Paredes, Narre Warren South, VIC
- Upgrader

Peter, thankyou for the work you have put in to assisting us with our refinancing. You were a pleasure to deal with and we will be considering you as our first call when we need to use mortage lenders in the future.
S Keating, Narre Warren South, VIC
- Refinancer

June and I were both pleased and grateful for your service. It was prompt, courteous and efficient. If we had any queries they were dealt with in a professional and expedient manner, no concern was ever too unimportant to be addressed. We are thoroughly satisfied with the loan product that you were able to procure for us and your follow up service was impeccable. A thoroughly professional service. Well done.
R Perera, Belgrave Heights, VIC
- Upgrader

After being knocked back by one Bank, you were able to willingly & efficiently recommend & secure a home loan for our dream home. Thanks again Peter
SM, Maryknoll, VIC
- Upgrader

I was very happy with your service. Being a first home buyer I had lots of questions and I appreciate the time you took to answer them and ensure I was well informed every step of the way. I also appreciated your flexibility to meet at times that suited my schedule. Thanks for your help, I will be sure to be in touch when its time for my second home.
KB, Officer, VIC
- First Home Buyer

We were very happy with Peter and have used him twice now and highly recommend his service
MC, Dingley, VIC
- Refinancer

Thank you for helping us purchase our dream home. You have made the whole process run so smoothly and we are greatly appreciative. We will definitely recommend you to our friends and family. Thanks again.
M & K Marchant, Pakenham, VIC
- Upgrader

Thanks for your great service and walking us through the process to buy our first property.
CM, Forest Hill, VIC
- Property Investor

We have called on Peter several times over the years and have always been very pleased with his results. We have recommended Peter to several people and they have been very happy as well.
R Trezise, Beaconsfield, VIC
- Upgrader

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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 Mortgage Choice home loan broker from Pakenham to Hampton Park

Start your home loan journey today

I want to buy a home

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