Mortgage Brokers & Home loan experts in Whitehorse, Nunawading, Forest Hill, Blackburn & Surrounds

Call: 0400 013 196

Looking for a home loan? Talk to Peter Vaughan and his team of brokers servicing Nunawading, Lilydale, Caroline Springs, Yarra Valley & the surrounding areas.

Call Us Mortgage Choice Vermont
Office - 0400 013 196

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

Address

PO Box 248 VERMONT, VIC 3133

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Start your home loan journey today

Our team of Mortgage Brokers in Melbourne will always go the extra mile.

If you are looking to purchase a house or refinance your loan, let our team of mortgage brokers across Melbourne help you find a home loan. We understand the process can be a time-consuming one, and that’s why our team aim to make it as simple as possible.

We pride ourselves on superior service every step of the way. This means understanding your personal circumstances and requirements to help you secure a home loan that fits your lifestyle and budget.

Meet our Mortgage Brokers

Mortgage Broker Lilydale and the Yarra Valley
Peter Vaughan

Mortgage Broker Williamstown and Caroline Springs
Peter Rose

Mortgage Broker Nunawading, Box Hill & Yarra Valley
William Sargeant

Mortgage Broker - Chirnside Park & Ringwood
Stephen Nicholls

Mortgage Broker - Blackburn & Forest Hill
Stuart Thompson

Why choose us?

As your mortgage brokers, we will remove the time, hassle and confusion that often come with finding a home loan.

Our job is to:

Understand and analyse your personal home loan requirements
Filter through the hundreds of home loan options on the market
Find the one(s) that most suit your individual circumstances
Work through the entire application process alongside you - right through until settlement.
Be available long-term to help you reassess your home loan as and when your circumstances change.

What’s the benefit of using a Mortgage Choice broker in Melbourne over any other Mortgage Broker?

Experience & knowledge

Assessing the benefits and costs of various home loan options and structures is not as simple as just looking at interest rates. The terms, fees, structures and payment plans can vary a great deal, impacting the overall cost of a mortgage.

Our team of mortgage brokers, Peter V, Stuart, Stephen, Peter R and Michael, are experienced and knowledgeable specialists. We understand the subtle differences between different home loan options and could help save you thousands of dollars in loan costs.

Superior service

We take the task of finding a suitable home loan for each of our customers very seriously. Every customer is very much treated as an individual.

We give you support every step of the way - from considering product options and putting together your application right through to settlement and beyond.

Convenience

We can come to you. We realise that when you are trying to buy a property, you are extra busy and time is precious. So, we are happy to meet with you after hours or at a time and place that is convenient for you.

Ready to kickstart your journey to home ownership? Give one of our mortgage brokers a call today.

^{We also service the following areas: Lilydale, Yarra Valley, Caroline Springs, Williamstown, Chirnside Park, Ringwood, Box Hill, Box Hill North and South, Blackburn, Blackburn North and South, Mont Albert North, Nunawading, Forest Hill, Vermont and Vermont South.}

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

First time home buyer, I had no idea about anything. I was informed and assisted every step of the way, Pete will 100 look after you.

David
30 November 2023

Thank you to Peter and team for being so thorough and patient during the whole process in addition to the valuable advice that was given all along.
Highly recommended

sheenam
21 November 2023

Peter and Vicki were great to deal with for our house purchase and associated refinancing. Both were very helpful walking us through the processes involved and would always make time to respond and clarify any queries we had, much appreciated.

John
18 October 2023

Peter was extremely helpful and patient throughout the whole process. This was my partner and Is first time dealing with a mortgage broker and we felt very comfortable with Peter, super knowledgeable

Mikhala
30 May 2023

We are thrilled with Peter and Vickis responsiveness and support.

Allen
17 May 2023

I can not highly recommend Peter and Vicki enough They have made the process of re financing seamless and carefree, going above and beyond. Thank you very much it has been a pleasure and looking forward to working with you both again

Chloe
13 May 2023

I can't speak highly enough of the team at Mortgage Choice Nunawading. Peter Rose, Peter Vaughan and Vicki Renouf made the purchase of my home a breeze. I felt comfortable asking all the questions I needed to sometimes the same one more than once and was always met with patience and professionalism. I'm so thankful for all their help and felt I was in great hands through the whole process. These guys really know their stuff.

Jessica
17 January 2022

Review for Peter Vaughan Mortgage Choice Nunawading
Put simply, Peter is brilliant.
My fiancé and I went to Peter on the recommendation of a friend to organise the purchase of our first home.
Peter was welcoming, patient, understanding, knowledgeable and everything else you need and want in a broker.
We ended up having some problems with our conveyancer and the vendor during the settlement process.... read more

Liam
18 July 2021

Have always found the service very helpful. Reduces stress. Makes everything associated easier. Friendly and understanding broker who catered to our needs very well.

Catherine and Adam
16 December 2017

Peter was extremely helpful through the process of refinancing my current loan as well as assisting me with my first investment property. I would highly recommend Peter to my friends and family.

Jaqui
16 December 2017

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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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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.

Click here for more information on the WA First home Owner Grant.

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