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

Call: 0439 841 539

Looking for a mortgage broker in Camberwell, Canterbury, Surrey Hills, 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 VIC 3126

Latest home loan interest rates

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Start your home loan journey today

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 35 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 35 lenders competing for your business.

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:

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. ~

Client reviews

When it came to buying my next home, I went no further than Simon. He helped me 4 years ago with my first home, and now when it was time to change things up, and I was greeted warmly and with total professionalism. Simon ensured he secured us the best possible rate, and alongside that made a stressful process mostly stress free, going above and beyond for us at the final hurdle - keeping me calm on settlement day Thanks again Simon, i will continue to recommend you widely

Sam
23 August 2024

Simon has been incredible to work with in the process of securing my first home loan. Always quick to reply and help support the process. Highly recommend to anyone seeking to refinance or as a first home buyer to get in touch.

Amelia
04 July 2024

Simon was a pleasure to deal with as he guided us painlessly through the whole process of securing a loan for our investment property. Cathy and I recommend him unconditionally to anyone seeking guidance through the maze that is the process of applying for finance. One word sums up Simon, PROFESSIONAL. We will definitely engage his services again.

Wade
12 June 2024

Simon is amazing mortgage broker, he helped us buy our first home. He knew the all the right first buyers schemes and programs. Kept us up to date with the process, answers all questions that arose always with a friendly and professional manner. We would recommend him to friends and family.

Alex
04 June 2024

Simon is great - he's helped me several times over the last couple of years with refinancing. A very smooth process and excellent communication.

Caitlin
27 May 2024

Simon was fantastic in helping us from start to finish with our home loan and purchase of our first home. He was incredibly friendly and helpful, answering all of our questions and guiding us through the process. Highly recommend

Allie
25 April 2024

I had the most incredible experience with Simon as my broker. He was open and transparent from the beginning and made the whole process very comfortable. Simon took care of the application and correspondence with both the bank and finance queries with my conveyancer making it stress free for me, demonstrating his professional experience and quality of his work. 100 5 stars all round, Thanks Simon

Shivani
24 April 2024

I have used Simons services twice with little issue. He has been helpful, courteous and efficient on both occasions. He communicates in an open and transparent manner. Being a visual person, he even had to draw a diagram to explain financial numbers to me, but he was happy to clarify anything I was confused with. If you are looking for someone to get the job done quickly, Simon is your man I heartily endorse Simon to anyone in need of a Mortgage Broker. Thank you Simon for your wonderful help.

Simone
19 April 2024

Weve been working with Simon for a couple of years and have always found him very helpful and patient. He is quick to respond to any queries and his communication is first class. He definitely took the stress out of the whole process and I wouldnt hesitate to recommend Simon to anyone.

Paul
27 March 2024

Excellent service and support. Simon was knowledgeable, transparent and great to communicate with throughout the process of purchasing our property. I would highly recommend his services to anyone. Thank you for your assistance Simon

Mitchell
03 February 2024

Refinancing guide

If you’re thinking about refinancing, this guide can help you learn more about the refinancing process, benefits and options available.

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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.

From 09 May 2024, if you buy a home costing up to $450,000, no stamp duty is payable at all. If the value of your home is between $450,000 and $600,000, you’ll be entitled to a reduced rate of stamp duty.

There are no additional concessions for homes valued above $600,000 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.