Robert Casey

Your local home loan expert in Essendon, Keilor East and Ascot Vale and surrounds.

Call 0430 011 642

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

Call Us Mortgage Choice Point Cook
Office - 0430 011 642
Fax - 03 8375 0677

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

We can make your loan hassle free

Purchasing a property, refinancing your home or building your new home can be an exciting though stressful process. That's where we come in.

At Mortgage Choice in Essendon, we work to ensure that finding the right loan is easy. Let us take away the stress and do the work for you.

We do the research for you

At Mortgage Choice in Essendon, we provide tailored, expert advice based on your needs, which begins with sitting down and discussing your needs and priorities.

We then calcaulte how much you can borrow, after which we work on comparing hundreds of home loan products from over 20 lenders, including the big bands and specialty lenders to help you find the best loan for your needs.

We do all the paperwork & follow up

We'll do all the paperwork for you, as well as the follow up with your chosen lender. We also make sure to keep you up to date as your loan progresses and support you through the whole process.

We focus on your needs

We can assist you to find the right product to achieve your goals, including:

First home buyer loans
Investment property loans
Refinance loans
Debt consolidation
Personal loans
Car loans or equipment finance
Life insurance and income protection
Home and contents insurance.

We have a range of financial services

At Mortgage Choice in Essendon, we have a range of financial services which means that we can also help you with:

Financial planning
Budgeting and saving
Transition to retirement planning
Insurances and protection
Building wealth for the future

Get in touch today

Call Robert Casey on 0430 011 642 or 03 8353 8045 or simply click on the Contact Us link on this page.

I service the areas of Ascot Vale, Highpoint City, Maribyrnong, Travancore, Keilor East, Avondale Heights, Moonee Ponds, Aberfeldie, Essendon, Essendon West, Cross Keys, Essendon Fields, Essendon North, Strathmore, Strathmore Heights, Airport West, Keilor Park, Niddrie, Niddrie North, Gladstone Park, Gowanbrae, Tullamarine and 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

Robert was amazing, from the get go he made the process as easy and painless as possible. No question or query was too small or silly. Thanks so much for making it easy!

Ashleigh
16 December 2017

Robert casey went above and beyond to secure owe home loan he returned every phone call promptly and kept us well informed we would highly recommend Robert and look forward to working with him in the future.

Trevor
16 December 2017

There are mortgage brokers and then there is Robert. His level of knowledge was expected, however what was not expected was the level of care and time Robert took to get to know us: it was genuine! He also ensured he was available throughout the entire and complex application process for us and he kept us informed all the way, which was really important. Nothing was too hard nor silly! Highly recommended... read more

Maria and Vince
16 December 2017

Thank you for all your assistance in getting us into our home.

You were so prompt in responding to our initial enquiry, and everything pretty much went from there and went through like a dream, with minimal trouble.

We are really appreciative of all your expertise and efforts.
You answered all our questions, no matter how obscure or silly and explained the technical jargon. And the best part is we... read more

Teri and Donald
16 December 2017

Robert responded really quickly to our internet enquiry and we were in our new home within two months. The approval was pretty quick and he navigated the banking maze on our behalf.

Teri
16 December 2017

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Calculate

You could borrow up to

Repayments
/ month
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Remaining

Based on standard variable rate over years.

Start the pre-approval process

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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You may borrow up to

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Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

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Your monthly repayments
Total loan repayments:
Total interest charged:

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.

Value of property

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First Home Buyer?

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Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
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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.