Shereen Lee

Mortgage Broker in North East Melbourne | Sunbury, Greenvale, Broadmeadows & more

Call 1300 736 170

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

Call Us Mortgage Choice Rosanna
Office - 1300 736 170
Fax - 03 9457 1277

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

With so many home loan options on the market, it is hard to know which one is right for you. The friendly team at Mortgage Choice in North East Melbourne will comb through hundreds of home loan products from up to 25 lenders, including all the major banks, to find the best one for you.

We make finding the right loan easy whether you're:

• Buying your first home
• Upgrading
• Buying an investment property
• Renovating your home
• Thinking about a fixed rate home loan

We do all the legwork and handle all the paperwork

After our first discussion, the Mortgage Choice in Sunbury will use their home loan expertise to find you the home loan to suit your needs.

We make it easy for you by doing all the research, preparing all the paperwork, lodging the application and doing all the follow up for you.

No cost to you

Our home loan service is at no cost to you, as the lender pays us after your loan settles. So you can relax and concentrate on finding that dream home or investment property.

As Mortgage Choice brokers we get the same commission regardless of which home loan you choose from our wide choice of lenders. This ensures that we are focused on the right outcome for you.

We can also help you with

• Small loans
• Car loans
• Life insurance
• General insurance

Investing in Australian Property

With Australian property continuing to rise, many people dream about investing in property whether it be for your family or for financial benefit.

Our team can help you through the process, follow-up with the Australian lenders and prepare all the paperwork in accordance to Australian regulations.

We know you're busy

So we'll meet you at a time and place that suits you! We service the suburbs in North East Melbourne including Keilor, Keilor North, Melbourne Airport, Glenroy, Hadfield, Oak Park, Broadmeadows, Dallas, Jacana, Coolaroo, Meadow Heights, Attwood, Westmeadows, Greenvale, Campbellfield, Somerton, Oaklands Junction, Yuroke, Craigieburn, Donnybrook, Kalkallo, Mickleham, Roxburgh Park, Diggers Rest, Bulla, Sunbury, Wildwood, Clarkefield, Bullengarook, Gisborne, Gisborne South, New Gisborne and surrounding suburbs.

澳大利亚Sunbury、Broadmeadows和Greenvale的房贷经纪和金融专家

市场中有太多的贷款产品，很难知道哪一种是正确的选择。这就是我们的优势所在。在Sunbury的Mortgage Choice，我们查询25家贷款机构的数百种产品，为您找到合适的产品。

市场中有太多的贷款产品，很难知道哪一种是正确的选择。这就是我们的优势所在。在Sunbury的Mortgage Choice，我们查询贷款机构的数百种产品，为您找到适合您需要的贷款。

我们还提供全方位的金融服务，诸如预算和储蓄、保险、投资、信用卡等，帮助您做出明智的财务决策。

我们的团队可以用中文或英文帮助本地或海外客户。

我们为您调查并准备好文件

当您使用Sunbury Mortgage Choice时，就像25家贷款机构争夺您的房屋贷款。我们搜索数百种贷款产品，帮助您选择一种适合您的项目。

我们通过为您准备文件、递交申请和跟进贷款机构，直到您的贷款办理妥当为止。

澳大利亚房地产投资

如果您正在投资澳大利亚房地产，我们可以作为您的本地房屋经纪人，帮助您实现您的目标！我们了解澳大利亚的金融部门和投资法规，并可以帮助您完成从开始到结束的整个过程。

免费服务

我们房贷服务不向您收取费用，因为贷款机构在贷款落实后支付我们的服务。

作为Mortgage Choice经纪人，无论您从各种选择中选择了哪家贷款机构，我们得到的报酬都是相同的

我们可以帮助您申请:

房贷
再融资
澳大利亚房地产投资
追加贷款和装修贷款
汽车贷款
商业贷款
设备贷款和租赁
金融规划
保险
信用卡
个人贷款

房贷重新评估

目前的利率处于历史低位，现在是核查您的房贷的最佳时机。Sunbury, Mortgage Choice为您目前的房贷提供免费的房贷重新评估，查看利率是否满足您的需要。

我们的房贷重新评估只需要30分钟时间，为您节省还款金额。

我们来找您

我们知道您很忙，所以我们可以在您的家中、办公室或当地的咖啡馆与您见面。我们在Keilor, Keilor North, Melbourne Airport, Glenroy, Hadfield, Oak Park, Broadmeadows, Dallas, Jacana, Coolaroo, Meadow Heights, Attwood, Westmeadows, Greenvale, Campbellfield, Somerton, Oaklands Junction, Yuroke, Craigieburn, Donnybrook, Kalkallo, Mickleham, Roxburgh Park, Diggers Rest, Bulla, Sunbury, Wildwood, Clarkefield, Bullengarook, Gisborne, Gisborne South, New Gisborne地区和周围地区为您提供服务。

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

Your service was fantastic!

Hilary
16 December 2017

Jimmy was really helpful and very easy to communicate with. He was always willing to talk.

Irfan & Aysegul
16 December 2017

Our Mortgage Broker went beyond our request & meet our needs. I wouldn't hesitate to recommend him to any of my family & friends and have already done so.

Shane & Leanne
16 December 2017

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2nd Applicant

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Calculate

You could borrow up to

Repayments
/ month
Expenses
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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

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

Repayment options

Extra monthly repayments

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

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

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.