Mortgage Broker & Home Loan Expert - Frankston, Langwarrin, Patterson Lakes & surrounds

Call: 0413 439 766

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

Call Us Mortgage Choice Mount Eliza
Mobile - 0413 439 766
Office - 03 9787 3143

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

Peter and his team at Mortgage Choice take the time to really listen to you. We explore your individual circumstances and goals to find the right loan to meet your needs.

With over 20 years in the mortgage industry, we have gained a broad knowledge of lending and the property finance market. Our state-of-the-art software program and loan qualifier provides us with information about new products and legislation as soon as they are released.

That's how we can offer you fast, expert advice on which loan will work best for you.

We help you choose the right solution.

We have an extensive range of loans to choose from with over 20 lenders on our panel, including the major banks, credit unions and alternative lenders. Our job is to clear the confusion and help you select the right loan for your situation.

Our team have worked hard to build a strong reputation over the years for consistently achieving the best results for our clients. You can count on us to clearly explain loan options and to support your interests.

We keep looking after you.

We want our clients to come back, so we keep you informed about the property finance market with our quarterly newsletters and email alerts. We also offer free home loan health checks to ensure your loan continues to meet your needs.

We are easy to find.

Our office in Langwarrin means easy access for home buyers in the Frankston and Langwarrin region. Our team of brokers will work around you, which means we can be available evenings and Saturdays to fit in with your schedule.

Give Mortgage Choice Frankston a call today on 9787 3143 to book an appointment.

Our team will grow with you!

We offer different services to meet your changing needs:

Refinancing to consolidate loans and credit cards
Loans for building, extending or renovating
Personal loans for that special something you need
Car loans to keep you moving
Investment loans to secure your future
Equipment Finance to start or to grow your business
First home buyer advice and support

What makes us different?

At Mortgage Choice Frankston & Langwarrin, our home loan service is at no charge to our customers because the lenders pay us a commission after your home loan settles, so you get all of our expertise at no cost to you.

Our home loan service doesn’t cost you anything!

If you want peace of mind, have one of our Home Loan specialists help you. Book your appointment today by calling Peter Deitz on 0413 439 766.

Mortgage Choice is based in Frankston, but our clients seek us out from Cranbourne, Lyndhurst, Frankston South, Langwarrin, Carrum Downs, Patterson Lakes, Seaford, Sandhurst, Lynbrook, Carrum and Skye.

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

Peter Deitz was an absolute legend at helping us secure our home loan. My husband and I were first home buyers. As much as I felt the process of getting a home would be a challenge for my husband and I, Peter made it feel so much easier than I could have hoped for. He always replied to my emails and phone calls promptly and I always had full trust that he had our best interest at heart. I would 100 recommend him to anyone.

KYLA
20 July 2023

Peter was recommended to us by another fantastic Mortgage Choice agent who was retiring. Peter's service was smooth, to the point and exactly what we needed. We have never met him in person in this new contactless world, but it was not a hinderniss at all the whole process was seamless with a very good financial outcome. We will definitely go with Peter again in the near future and highly recommend him. Thank you Peter.

Denis
15 July 2021

I first used Peter in 2002 and since then have used him multiple times with the most recent being last year. From the moment I met Peter I knew he was the right person to find me a better deal for my mortgage. Everything was explained clearly to me and no question was too big or too silly answer. Peter and his team are nothing but fantastic, professional and courteous and I can't thank them enough for... read more

Melanie
15 July 2021

Peter's extensive knowledge of products and very responsive service made choosing finance a simple and painless process

Nicola
15 July 2021

Peter recently helped me with re-financing our home and investment loans. Peter stepped me through the process, kept me informed along the way and is really helpful. Best of all - I'm paying a lot less in interest now.

Sam
15 July 2021

I couldn't recommend Peter more if you are looking for a broker for a home loan. I am a first home buyer and really had no idea what I was doing Peter was so supportive and answered any questions that I had. My home loan application was not black and white but Peter presented me with options that were going to work for me. He was very responsive, answering all my calls and emails straight away- even wh... read more

Angela
15 July 2021

This has been my first time dealing with a broker ,as well as applying for a loan, so the clear explanations and regular updates from Peter was much appreciated and put my mind at ease. I always felt like I was in good hands.
Hes been in the business for quite a number of years I believe and this shows. He knows what to expect from the banks
Its been a pleasure dealing with Peter, hes always kept me in... read more

Gregory
15 July 2021

This is the second time I have used Peter Diets from Mortgage Choice. He was very professional and was always there whenever I needed any information or suggestions. The whole process was easy and painless as Peter did everything with ease. I would highly recommend him to anyone for any financing needs. Thanks again Peter.

Andrea
15 July 2021

I was referred to Mortgage Choice, and specifically Peter Deitz, through a friend and colleague who had worked with Peter previously and spoke of this being a very positive experience. My interactions with Peter have been nothing short of reassuring through the seemingly complex matter of buying land given I entered this arena with little to no understanding of the terminology or processes involved. Pe... read more

Amanda
15 July 2021

This was our first experience of buying in Australia originally from the UK. Peter was recommended to me through a friend who had said that Peter and his team are wonderful. The expectation was high and Peter and Kristina did not disappoint. I am amazed at the experience and service we have received from Peter and Kristina, they are excellent at communicating and ensured a smooth process throughout. We... read more

Geri
15 July 2020

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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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Need help with your next home purchase?

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.

From 09 May 2024, if you buy a home costing up to $450,000, no stamp duty is payable at all. If the value of your home is between $450,000 and $600,000, you’ll be entitled to a reduced rate of stamp duty.

There are no additional concessions for homes valued above $600,000 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.