Mortgage broker & home loan expert in Innaloo

Your local home loan & mortgage experts in Innaloo, Scarborough & Karrinyup

Call: 08 9204 2022

Finding the right home, car or investment loan can be tricky. Mortgage Choice in Innaloo have hundreds of loans to choose from and can help you find the right one.

Start your journey with us today.

Call Us
Office - 08 9204 2022
Fax - 08 9204 2077

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

Address

Suite 2, 39 King George Street INNALOO, WA 6018

We're dedicated to making your home loan journey easier

With over 15 years experience in the home loan and finance industry, we know that no two home loans are quite the same. That's why we look through hundreds of home loans to find you the right one.

At Mortgage Choice in Innaloo & Scarborough, we have hundreds of loans from our panel of over 20 lenders, including the big banks and some specialist lenders, to make sure that your home loan fits your individual needs. It's like have over 20 lenders competing for your home loan and the bottom line is that you'll be offered the very best finance options for your needs.

Find out what lenders are on our panel here.

Dedicated personal support

We work hard to find you a home loan that's as individual as you are and has the right rate and features.

At Mortgage Choice in Innaloo & Scarborough our mission is to make the home loan process as easy as possible for you with dedicated personal support.

You may want your parents as guarantors on your first home loan, a repayment holiday or a portability feature which means you can take your home loan with you when you move. These features and more are available for you, it's just about finding you the right one. That's where our mortgage broker team at Mortgage Choice Innaloo can help.

Find out more about what our customers have to say about us.

We can help you with

Home loans
First home buyer incentives
Investment property loans
Car loans & sourcing
Debt consolidation
Personal loans
Financial planning
Business lending
Equipment finance
Insurance

Our home loan service is no cost to you

One of the things our customers love about us, is that our home loan service is no cost to you. And we love it too! It means that we can give you access to hundreds of loans and personal dedicated support at no cost. Why? The lender you choose pays us a commission after your home loan settles.

And to ensure transparency, Mortgage Choice brokers are paid the same rate regardless of the lender you choose form our wide panel of lenders.

Cool right? It means that we're focused on the right outcome for you, not for us. With other mortgage brokers, that may not always be the case.

Let's get started

To start your own journey, talk to us today by calling the Mortgage Choice Innaloo & Scarborough team on 9204 2022 or click on the Contact us button at the top of the page.

You can also drop into our convenient office at Suite 2, 39 King George Street, Innaloo. Find us on Google maps.

In the meantime, check out the other resources we have for you:

Buying your first home? Click here

Investing in property? Click here

Buying a car? Click here

Refinancing your home loan? Click here

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. ~

Google Reviews

Thanks so much for all your help and advice. You've helped make our 1st home buy a (mostly - haha) stress free and exciting experience.Thanks again for all your time and help.
Chris and Katy, Scarborough, WA
- First Home Buyer

I just left everything to Rod and he got on with it. I knew what I wanted and he made sure it was done to a high standard. Thanks!
Anthony, Innaloo, WA
- Property Investor

Dealt with Rod David. He was friendly, prompt and answered all our questions. He explained everything very clearly.
Sara and Zane, Balcatta, WA
- First Home Buyer

Thank you so much for all your help and patience in my house finding and buying process, it was invaluable. I would not want to have done it without you. I am very grateful
Ziggy, Nollamara, WA
- First Home Buyer

We were so happy with Rod's professional service. He was always prepared to go the extra mile and put up with our constant phone calls ! He made the whole process of securing our home loan easy and stress free. He continued to keep us up to date with the progress of our loan and we feel very fortunate to have had his support and knowledge.
Andrea and Michael, North Beach, WA
- Upgrader

Kylie, Hamersley, WA
- First Home Buyer
Thanks so much for assisting our little family of three getting into our first home. As you can see, there are two very excited children.

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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 $176,000 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.

The Territory’s First Home Owner Discount has been in place since 8 February 2019. It lets you save up to a maximum of $18,601 on the cost of stamp duty. The savings is available whether you buy a new or established home as long as the home is 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 $15,000 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 $400,000 or less for your block. Whereas if your first home is valued up to $500,000, you pay zero stamp duty. That’s a saving of $8,750, 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 $505,000, you pay stamp duty of $1,050, a saving of $7,875. These savings cut out altogether if your first home costs $550,000 or more. On a property valued at $550,000, for example, the stamp duty would work out to be $10,600.

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 or build a brand new home. You can choose from a house, apartment, townhouse or villa, but you will only be able to claim the FHOG SA if you pay below $575,000 for your home.

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 $20,000 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 Melbourne. Or you can receive a FHOG of $20,000 if you buy/build a new home in regional 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.

Your local home loan & mortgage experts in Innaloo, Scarborough & Karrinyup

Innaloo

We're dedicated to making your home loan journey easier

With over 15 years experience in the home loan and finance industry, we know that no two home loans are quite the same. That's why we look through hundreds of home loans to find you the right one.

Dedicated personal support

We work hard to find you a home loan that's as individual as you are and has the right rate and features.

We can help you with

Our home loan service is no cost to you

And to ensure transparency, Mortgage Choice brokers are paid the same rate regardless of the lender you choose form our wide panel of lenders.

Let's get started

In the meantime, check out the other resources we have for you:

Buying your first home? Click here

Investing in property? Click here

Buying a car? Click here

Refinancing your home loan? Click here

The right home loan for your needs

Google Reviews

Rebecca Lane

Lucas O'Brien

Ashlen Taylor

Warwick Heaney

Ben G

Cathy Harris

Victoria Shobrook

Jack Bryant

Debbie Hood