Scott Gillespie

Your local team of mortgage brokers & finance experts | North Perth, Morley & Bayswater

Call 08 6444 9633

Our team of mortgage brokers at Mortgage Choice North Perth search through hundreds of home loans to find you the right one, all at no cost to you.

Call Us Mortgage Choice North Perth
Office - 08 6444 9633

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

Address

424 Fitzgerald Street NORTH PERTH, WA 6006

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5 good reasons to use Mortgage Choice North Perth

Mortgage Choice writes about 1 in every 20 home loans throughout Australia. Let us help you too.

Buying a home is probably one of the biggest purchases you'll ever make. That's why the team at Mortgage Choice North Perth are committed to help you through each step of the process from finding you the right loan through to after your home loan settles.

1. We have a wide choice of home loans

Through our team, you'll have access to hundreds of loans from our wide panel of lenders - it's like having more than 20 of Australia's leading lenders all competing for your business (which means you'll get a great deal!).

We help you analyse and compare hundreds of different home loans, taking the hard work out of shopping around.

2. Our home loan service is no cost to you

There's not much you can get for free anymore, but our home loan service is one of them. The lender you choose pays us a commission after your home loan settles, so you get access to our team of mortgage broker in North Perth at no cost.

3. We could save you money

Mortgage Choice North Perth uses exclusive loan qualifier software which helps us to pinpoint the most suitable home loan for you.

With a huge range of home loans to choose from, we could help you cut the current interest rate you're paying as well as find you the best loan features & terms to suit you. Using a mortgage broker like us is also a great way to maximise your borrowing power.

4. It's convenient

Not only does our team at Mortgage Choice North Perth help find you the right home loan product, but we also complete the paperwork and submit it to the lender on your behalf.

And, we do all the follow up with the banks, meaning you don't have to spend hours on the phone trying to figure out where your loan is at. We're with you every step of the way.

We'll come to you

We have a conveniently located office in North Perth, but our mobile broker team can meet with you at a time and place that best suits you.

Find our North Perth office on Google maps

We can help you in English or Chinese

Our team in North Perth, Morley & Bayswater can help you in either English or Chinese, and wherever you are in the world. It doesn't matter if you are in Perth, an Aussie Expat living in overseas, or someone who has recently moved to Australia, we'd be happy to assist you in finding your ideal home loan.

Find out more about our Chinese language services here

Let's talk

We would love to help you with your home loan or finance planning needs! Book an appointment with the team at Mortgage Choice North Perth today on 6444 9633 or click on the Contact Us button at the top of this page.

We typically service North Perth, Morley, Bayswater, Bedford and surrounds.

We can help you with:

Home Equity Loans

First Home Buyer Loans

Home Loan Refinancing

Reverse Mortgages (Seniors Loans)

Home Construction Loans

Low Documentation Loans

Property Investment Finance

No Deposit Home Loans

Second Home Loans

Bridging Loans

Mortgages For The Self Employed

Variable Home Loans

Our team are also specialists in:

Car Loans

Equipment Finance

Commercial Finance

Life Insurance & Income Protection

Wealth Planning

Reverse Mortgages and Accommodation Bonds

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

Scott was very professional and helpful from the beginning. He had all the right tools and knowledge to provide us with the needed information, as well as provide options and suggestions in all steps of buying a house. It was very lucky for me to have found Scott from the first go, as it was absolutely a hassle-free experience. I would strongly recommend Scott to others, especially first home buyers who were lost in the process just like myself. Thanks Scott

Jin
05 February 2024

Scott has been a pleasure to deal with.
He has great customer service and always kept us informed in what was going on.
He was not phased by a few curveballs from the bank and always had a plan forward, which made myself and Victoria feel at ease.
We are very happy with our experience and will definitely contact him again when we buy a second home in the future.
Thanks again Scott
Chris and Victoria

Chris
22 December 2023

Scott helped me very step of the way getting pre-approval and then when I found somewhere got the loan approval within 48hours on a weekend - amazing service - very happy.

Stephen
18 December 2023

Scott helped my wife and I obtain finance approval at fairly short notice during one of the busiest times of the year
He was professional, knowledgeable and couldn't have been more helpful.

Josh
14 December 2023

Highly recommend Scott and Tej for any mortgage advice and support, great communicators, very professional.

Graham
29 November 2023

Great service and communication

Adam
11 November 2023

Scott has been brilliant to work with. Hes very responsive and patient. He has alleviated the stress of refinancing my home loan.

Holly
01 November 2023

Scott and his team have been wonderful. They are quick and responsive and makes it simple for anyone who is purchasing a property. Thank you very much.

Divine
21 September 2023

Scott and his team have very quick and responsive in helping me obtain a pre-approval and approval for my loan. Scott is reliable, communicative and always happy to help and answer my questions throughout the whole process. Id definitely recommend using his services and will be using him again in the future.

Samantha
02 August 2023

Highly recommend Scott and Mortgage Choice North Perth. Knowledgeable, professional and great to deal with. Thank you Scott.

21 July 2023

Guide to upgrading your home

You've built up enough equity to play with and you're wondering which direction you should take. This guide explores the pros and cons of upgrading.

Download now

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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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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.

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