Joondalup's longest established mortgage broker - since 1996!

Mortgage Brokers in Joondalup, Wanneroo and surrounding suburbs

Call: 08 9300 9322

Looking for a mortgage broker? Find the right loan with Russell Crook and his team, your local home loan experts located in Joondalup.

Call Us Mortgage Choice Joondalup
Office - 08 9300 9322

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

Address

Unit 14, 87 McLarty Avenue JOONDALUP, WA 6027

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Talk to the home loan experts in Joondalup

Our team at Mortgage Choice in Joondalup is made up of friendly professionals with over 30 years of experience in the finance industry. You can tap into our knowledge as local property experts as we guide you through the home loan process.

As your local brokers and financial experts, we take the time to listen to you and to learn what you would like to achieve in the short, medium and long term. This is so we can guide you in developing an appropriate loan structure and strategy and finding the right home loan solution for your needs.

We make the home loan process as simple as possible for you

Our loan support team will track and monitor your loan application from submission to settlement and work with you to ensure the process is as seamless as possible. This means you can spend your time finding the perfect home or investment property while we do all the legwork.

What we can help you with

Paid the Same

As Mortgage Choice brokers, we get paid the same rate regardless of which home loan you choose from our wide choice of lenders.

Making the next step is easy

Call the team at Mortgage Choice in Joondalup on 08 9300 9322 or email joondalup@mortgagechoice.com.au to speak to our expert team about your future.

You can visit us at our office, which is conveniently located on Boas Avenue in Joondalup, or we can arrange to visit you at your home or workplace.

Mortgage Choice in Joondalup are the most awarded brokers in Joondalup!

2018 Mortgage Choice Business Excellence Award - WA Single Operator Finalist
2018 ALI - Recognition for protecting over 250 home buyers
2017 Mortgage Choice Business Excellence Award - WA Single Operator Finalist
2015 Mortgage Choice WA Performance Award - Financial Planning Referral
2012 Mortgage Choice XV Squadron
2011 Winter Quarter Business Excellence
2010 Spring Quarter Multi Operator
2010 WA State Franchisee of the Year
2010 Mortgage Choice - High Flyers
2010 / 2011 WA State Multi Operator of the Year
2009 Mortgage Choice - High Flyers
2002 WA State Multi Operator of the Year
2002 WA Franchisee of the Year
2002 WA State Franchisee of the Year
2001 Mortgage Choice - High Flyers
2001 WA Franchisee of the Year
2000 Franchisee Council of Australia - WA Franchisee of the Year
1999 WA Sales Person of the Year - Sales People with a Purpose
1999 WA Franchisee of the Year
1998 High Achiever
1996 - 2016 Mortgage Choice Certificate Award - Single Operator

Membership

Credit Ombudsman Service
Mortgage and Finance Association of Australia
Joondalup Business Association
Wanneroo Business Association

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

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Russell and Lindsey were exceptional people to work with. They helped us in every way and went above and beyond, even though I was based overseas. They were there to answer any questions and they were always willing to help with any extras that we may have needed. They made it a painless and smooth process. I cannot recommend them more to anyone interested in buying their dream home.
Neil, Iluka, WA
- Upgrader

Thanks Russell & Tina.

One of the best in their field.
Expert, Patient, reliable & honest with a good sense of humor. Russell is not just an employee doing his job, he really cares
Helped us through our first home purchase all the way till it was settled. And it was a very long way.
Bishoy and Josephine, Clarkson, WA
- First Home Buyer

Very professional, helpful and painless process. Listened to my requirements and wishes and prepared an application that addressed all criteria.The fact that I lived in a remote town interstate did not hinder the process. I will be coming back to discuss investing and will refer my friends and family.
Fred, Tennant Creek, NT
- First Home Buyer

Russell has been excellent in obtaining great rates for both the properties we have purchased with his assistance. As well as finding us rates that we were delighted with his overall help and advice and the ease at which we’re are able to contact him and his team removed all stress from the process of purchasing each property. I highly recommended Russell and Mortgage Choice in Joondalup.
Nicholas, Gosnells, WA
- Property Investor

We were very impressed from first walking through the door, told all the information we needed, then moving into our new house- 1st class. From when we arrived from the UK ,until we were granted permanent residency and managed to get a home it is a very unsettling time, so with that we would like to Thank You again for your relaxed and professional help in picking the right mortgage for us.
John & Carolyn, Ashby, WA
- First Home Buyer

Excellent 10/10 Service and made it easy for me as a FIFO worker.
Bryan, Cable Beach , WA
- First Home Buyer

We would like to thank you and the team for your efforts in assisting Luke to get the finance for his 1st home especially with him getting the news just before he sets off on his holiday. Once again the team from Mortgage Choice in Joondalup has risen to the challenge.
B, Heathridge, WA
- First Home Buyer

Both Russell and Lindsey made the process of buying our first home very easy and stress free. We will definitely be using Mortgage Choice in Joondalup again.
Breanna and Ben, Currambine, WA
- First Home Buyer

Despite us having a difficult lending scenario Russell never gave up, and settlement has now gone through. Many thanks to Russell and his team for all their hard work!
Katharine & Mitchell, Girrawheen, WA
- Property Investor

Many thanks Russell and Tina for all of your help throughout the process of refinancing my mortgage - I really appreciate it, and couldn't have done it without your advice. Thanks again!
Rebecca, Tuart Hill, WA
- Refinancer

Excellent service and very helpful throughout the whole process in relation to finance approval and settlement. Overall, I would highly recommend Mortgage Choice in Joondalup to future clients if they are after a smooth transition and friendly operators.
Jessica, Craigie, WA
- First Home Buyer

Thank you Russell and Tina. At all times you were highly professional with an added personal touch. The movement from one loan provider to another was seamless. Will happily recommend you to others.
Sue and Warne, O'Connor, WA
- Refinancer

We cannot thank Lindsey and Russell enough for all of the help you have given us. You've made it very easy for us and we really appreciate that!
Mel and Ross, Scarborough, WA
- First Home Buyer

We were really impressed with how both Russ and Lindsey both kept us up to date with what was going on with our loan. We also appreciated the fact that it wasn't all email they actually took the time to pickup the phone as well. So it put a personal touch to our dealings.
Shane & Sally-Ann, Ballajura, WA
- Refinancer

It has been great dealing with Mortgage Choice in Joondalup on this purchase, the steady flow of information received throughout has taken the majority of the stress out of going through this process while being located overseas.

I will be sure to recommend your services to family & friends
Sam, Bull Creek, WA
- First Home Buyer

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 $176,000 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 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.

State / Territorial Revenue Web Sites

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Mortgage Brokers in Joondalup, Wanneroo and surrounding suburbs

Joondalup

Latest home loan interest rates

Talk to the home loan experts in Joondalup

We make the home loan process as simple as possible for you

What we can help you with

Paid the Same

Making the next step is easy

The right home loan for your needs

Google Reviews

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First home buyer's guide

Help me calculate

2nd Applicant

Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

State / Territorial Revenue Web Sites

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