Mortgage Choice Wangaratta

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Call 0438 771 427

With diverse and extensive experience in lending, Pene, Michael and the Mortgage Choice Wangaratta team have excellent knowledge of the broader finance market and a unique understanding of the challenges of dealing with different lenders. Mortgage Choice Wangaratta work on a personable approachable, and believe that open communication is essential in supporting their clients to make educated and sensible decisions about their financial future.

Call Us Mortgage Choice Wangaratta
Office - 0438 771 427

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

Address

7 Ely Street WANGARATTA, VIC 3677

Latest home loan interest rates

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Services

As your local lending expert, Pene offers straightforward, honest advice, and will draw on her extensive network of lenders to find and negotiate a competitive loan and set you on the road to financial security.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Personal Loans
Car and asset finance
Business equipment finance
Insurance (third party referrals)

Other areas we service

An award-winning team who go above and beyond to take the stress out of the borrowing equation. They’re always ready to listen, answer questions, and work their mortgage magic. Pene is mobile across north-east Victoria and southern New South Wales.

Wangaratta
Benalla
Myrtleford
Bright
Porepunkah
Yarrawonga
Beechworth
Wodonga
Albury
Shepparton

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

Amazing service! Would highly recommend.

Natalie
14 December 2021

Lauren at smartline wangaratta , awesome to deal with

bob
06 July 2021

Pene goes above and beyond, I highly recommend her to anyone who needs a loan or has one all ready.

Nathan
05 September 2018

Would 100% recommend pene to anyone needing a broker, she went above and beyond to help a couple clueless first home buyers make a purchase with minimal stress and kept us well informed throughout the whole process, any questions we had pene was quick to answer with great knowledge whether it was during business hours, after hours or even on the odd public holliday. Couldn’t recommend anyone more!

Levi
25 April 2023

Pene's service exceeded our expectations. She was always available to answer questions, even outside of business hours. From start to finish, Pene made the whole process very easy.

Jarrad
10 April 2023

Pene was fantastic in helping me understand my obligations and understanding the layout of the loan and what options I had.

Paul
03 April 2023

Pene was extremely helpful and supportive through the whole process. She was very flexible and accommodating with contacting her to complete required documents. Pene went above and beyond to meet short and sudden settlement requirements on my apartment. Thank you for the fast turn around of my home loan.

Matthew
29 March 2023

Penny and Lauren are really helpful throughout the process of our home loan. Excellent service??Thank you Lauren and Penny for helping us to have our 1st home.

Margie
28 January 2023

Pene was amazing and everything was completed in a timely manner. I would highly recommend Pene for anyone's financing needs.

Rachael
02 January 2023

Pene was amazing through every step of my mortgage. She was approachable and answered any questions that I had. Highly recommend her services to anyone.

Samuel
28 December 2022

My adviser makes the whole process such a breeze, very informative and always finds the best deal for the situation. Would highly recommend

Waylon
15 December 2022

Thank you Pene, you have made the loan process a lot easier for us. Very professional and personable service.

Luke
13 November 2022

Pene was fantastic throughout the whole process of selling my existing property and refinancing my new property

Mark
02 November 2022

Lauren was easily contactable and very responsive to our needs. A great experience, thanks so much Lauren.

Michael
31 January 2023

I have used Smartline Wangartta for a number of transactions over the past few years including recommending my son to use them first purchase and sale of his first home. Lauren is always efficient, throughough and reliable in recommending products and responding to email enquiries.

Karen
18 January 2023

Step-by-step guide to home ownership

There are many steps involved in purchasing a property which can vary between residential and investment properties. This guide explains each step in order as well as what is involved at every stage of the purchasing process.

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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.

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.