Mortgage Broker Camberwell, Balwyn & Canterbury

Your local Mortgage Broker covering Camberwell, Canterbury, Balwyn and Glen Iris

Call: 0439 841 539

Looking for a mortgage broker in Camberwell, Canterbury, Balwyn or Glen Iris? Find the right loan with Simon Allen, Mortgage Choice broker in Boroondara.

Call Us Mortgage Choice Canterbury
Office - 0439 841 539

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

Address

1/59 Canterbury Rd Canterbury

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Looking for a new home loan? Considering buying an investment property? Want to check that you have the right mortgage ? Looking to buy a new car ? Mortgage Choice in Camberwell and Canterbury can help.

Choose from hundreds of mortgages

Covering the Boroondara area, Mortgage Choice in Camberwell & Canterbury has access to a panel of over 20 lenders, with hundreds of mortgage products to choose from. This means that we do all of the legwork for you - from understanding your needs and objectives to recommending the loan product that best meets your requirements. We negotiate on your behalf to get you a great deal and once we find the right home loan for your needs, we manage the application process for you ... it's all so easy.

Our customers pay no fee for our home loan service

We offer expert home loan advice at no cost to you, as the lender pays us commission after your loan settles. And with our wide panel of lenders, it's like having over 20 lenders competing for your business.

We are paid the same

As Mortgage Choice brokers, we get paid the same commission no matter which loan you choose from our extensive panel of lenders. This means that we always have your best interests at heart.

Rates are at historic lows

With home loan rates at historically low levels, there's never been a better time to see if you could save on your home loan. We can offer you a free home loan health check to see whether your current loan is still right for you, or whether you could save by switching to a new lender or loan.

Other Services by Morgage Choice in Camberwell & Canterbury

Mortgage Choice in Camberwell & Canterbury can help with your other financial needs, including:

Financial planning
Car loans
Commercial lending
Credit cards
Life insurance
Home and contents insurance

Sound interesting ?
If so, just give us a call or send us an email to schedule a no-obligation appointment.

We service the areas of Balwyn, Balwyn East, Deepdene, Stradbroke Park, Balwyn North, Greythorn, Camberwell, Camberwell North, Camberwell South, Camberwell West, Hartwell, Middle Camberwell, Camberwell East, Canterbury, Mont Albert, Surrey Hills, Surrey Hills North, Glen Iris, Tooronga and surrounds.

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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Thanks again for all your help. We are really happy with the result and will definitely recommend you to others and be back in touch when we're getting serious about renovating.
Chloe, Brunswick, VIC
- Refinancer

I would definitely recommend Simon as a mortgage broker. He is professional and always helpful, can be contacted at any time with any question or issue that needs to be resolved. I am very happy with his choice of lenders and products that were tailored to my particular situation and used his services several times.
Elizabeth, Balwyn, VIC
- Upgrader

Highly recommend Simon if you are in the market for a home loan. Simon is very knowledgeable about his products. He listened to my needs, answered all my questions and presented some very competitive options. Great service!
Robert, Greenvale, VIC
- Refinancer

I have dealt with a few bank lenders but dealing with Simon has been the best service experience so far. Thank you for your attentiveness!
Richard, Camberwell, VIC
- First Home Buyer

Simon was a great help, I would highly recommend him!
Scott, Footscray, VIC
- Refinancer

This was our first house and Simon guided us all the way through the process and answered what were probably silly questions. He knew his product very well, always easily contactable and always replied in a prompt time. I felt safe throughout the process and it was stress free thanks to Simon.
Josh, Glen Iris, VIC
- First Home Buyer

Simon has been extremely helpful in finding the best home loan that suited our needs. He was always happy to answer questions at any time and made the whole process a lot easier than anticipated. Highly Recommended!
Libby, Brunswick, VIC
- First Home Buyer

Great after sales service - Simon contacted us about our existing loan and obtained an interest rate reduction with our current lender (no fees involved!) that resulted in substantial savings for us.
Graham, Brunswick, VIC
- Refinancer

Could not have asked for better service, Simon was on top of everything and kept me informed at every step. Simon made the process very easy and I highly recommend his service.
Scott (1), Doncaster, VIC
- Upgrader

Very professional and reliable. I highly recommend Simon.
Gay, Carnegie, VIC
- First Home Buyer

I wouldn't hesitate to recommend Simon and his services - he was easy to work with, always reliable and quick to answer questions, this took the stress and confusion out of the process and got the job done!
Olga, Hampton, VIC
- Refinancer

Provided a range of great home loan options, responded quickly to my countless questions and made the process overall simpler (I hate paperwork and documents, he reduced and simplified this process).
Cherie, Pascoe Vale, VIC
- Property Investor

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

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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.

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Your local Mortgage Broker covering Camberwell, Canterbury, Balwyn and Glen Iris

Canterbury

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