Mortgage Broker and Home Loan Expert in Brimbank and Melton

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Call: 0415 920 585

As your local Mortgage Broker in Brimbank and Melton, let us do all the legwork to find you a great home loan deal from our wide choice of lenders.

Give us a call today on 0415 920 585

Call Us Mortgage Choice Taylors Hill
Mobile - 0415 920 585
Office - 0415 920 585

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

Our top 5 lowest interest rates available

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Comparison Rate

Credit criteria, conditions, fees and charges apply. Subject to suitability. The comparison rates in this table are based on a loan amount of $150,000 and a term of 25 years. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

Start your home loan journey today

As your Mortgage Broker in Brimbank and Melton, I have access to over 35 lenders and hundreds of home loan options to find the product that best suits your needs. Even better; I am paid a commission by the lenders after the loan settles, so my service is at no cost to you.

Home Loan Process made EASY

Whether you are a first time home buyer, looking to upgrade to your next home, getting into an investment property or wanting to review your current home loan to make sure you’re still getting the best deal?

We can assist you to make the right move and guide you through the home loan process to identify the loan that’s just right for you.

How Can I Help?

Providing an individually tailored service that delivers a genuine and hassle free approach to finding a loan for you. The one to one personal relationship will provide you with direct access to the individual assisting you to achieve your financial goals.

Take the stress out of...

We can also assist you with:

Home Contents & Landords Insurance
Personal Loans, Car Loans & Equipment Finance

Contact

Save yourself time, stress and money call Robert today on 0415 920 585 to arrange an obligation free appointment at your office or home at a time that is convenient to you.

I put great value on the service I am able to provide to my clients and I see you as being my client for life, working with you to achieve your financial goals.

I look forward to meeting with you!

I service Melton, Caroline Springs, Taylors Hill, Burnside, Burnside Heights, Cairnlea, Ardeer, Sunshine, Braybrook, St Albans, Kings Park, Deer Park, Rockbank, Plumpton, Hillside, Delahey, Sydenham, Watergardens, Taylors Lakes, Kealba, Keilor Downs, Brookfield, Melton West, Melton South, Exford, Mount Cotterll, Eynesbury, Kurrunjang, Toolern Vale and surrounding areas on referrals and request.

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

We would highly recommend Robert and choose to work with him again. We got his details from close friends whose family have worked with him for years. He was patient with all of our first-time home-buyer questions, quick to action and made himself available for us throughout the entire process. He continued to check in to ensure everything was on track and was overall a delight to work with.
Abira
14 September 2023

Robert was absolutely excellent in arranging my finance He made it super-straight forward with every step of the process, was always available if I had questions, and proactively drove the application to the final successful result. I would not hesitate to recommend him to anyone considering applying for finance - and I know I can trust him for my future borrowing needs. Thanks Robert
Matthew
08 July 2023

We were so pleased with our experience with Robert He is knowledgeable, explains things in an easy to understand way and is very responsive. Most of all, Robert is honest, trustworthy and friendly. Robert helped us with a loan application 7 years ago and we were very confident to call him again with our next mortgage. I can highly recommend Robert.
Melinda
21 June 2023

Best website ever
Robert
11 March 2023

Robert has been a real asset in helping us with our successful application. Excellent communication. On point. Clear and accurate. I recommend him highly. Ed
Edward
14 December 2022

Would highly recommend Robert Causovski to anyone wanting advice on Home loans. From first contact Robert is very knowledgeable and professional, always answering my many questions and emails promptly. Robert has made the whole process of refinancing run smoothly and easy.
Chau
09 December 2022

Best broker in Melbourne. Very professional and helpful. We highly recommend it.
Tom
08 December 2022

Very professional service. Robert was fantastic and we felt very confident that he would find the right lender for our situation.
Leeanne
08 December 2022

Robert was excellent Friendly, well-mannered and well presented. He came to us, explained everything we needed to know and assisted with all the required paperwork. I definitely recommend Robert .
Sue
04 November 2022

I highly recommend Robert and his business. He helped us re-finance our first home. The whole process was so easy and smooth. Very informative when we had a question. He would also communicate to us regularly never leaving us in the dark. We will definitely use his services again in the future.
Ronvic
25 October 2022

First home buyer's guide

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process.

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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 $650,000.

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.