Mortgage Broker Melbourne, Docklands, Home Loan

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Mortgage Brokers Melbourne | Home Loan Experts

Call: 03 8602 6777

Mortgage Brokers in Melbourne, Docklands, West Melbourne, St Kilda Road and Southbank

Call Us Mortgage Choice Melbourne
Office - 03 8602 6777
Fax - 03 8602 6700

Open Hours Mortgage Choice Melbourne
Monday to Friday 9am to 5pm
After hours by appointment
Free Appointment

Address

Ground Floor 469 La Trobe Street MELBOURNE, VIC 3000

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We've got your best interests at heart.

Watch to find out why...

Hello, we're the professionals who will get you the best home loan deal. Our experienced team is led by Stephen Zamykal, Cameron Price and Ashley Koenig who have been working in the Melbourne mortgage broking and finance industry for 20, 15 and 19 years, respectively.

Conveniently located in the CBD, and servicing inner Melbourne, we invite you to drop by for a coffee and chat.

We'll get an understanding of your home loan needs and tell you more about us and how we work. Then, if we both feel there could be opportunties to help each other, we agree on how we move to the next stage.

5 Reasons To Choose Us

1. WIDE CHOICE OF HOME LOANS

When you choose Mortgage Choice to help you find your new loan it's like having 20 of Australia's leading banks and lenders all competing for your business (which means you'll get a great deal)!

We will help you analyse and compare hundreds of different home loan products and then pinpoint the one that is most compatible to you. Of course we will be there to assist you throughout the entire process of securing your home loan.

2. CONVENIENCE

One of our experienced mortgage brokers will meet with you at the time and place that best suits you to establish your home loan needs and preferences. Then we get to work. We do all the research and manage every step of the application process for you. This saves you time shopping around and filling in multiple applications. Best of all, you can rest easy knowing we are working to get you the best deal possible.

3. SAVE MONEY

Our exclusive use of Mortgage Choice's Loan Qualifier software helps us identify the most suitable home loan for you. This could help cut the current interest rate you are paying, as well as reduce your mortgage fees and monthly repayments.

Using a mortgage broker like us is also a great way to maximise your borrowing power (how much you can borrow). We've got over 20 lenders who will each have their own criteria for borrowing capacity.

4. PROFESSIONAL HOME LOAN ADVICE

We are experienced professionals - fully trained and accredited with every lender we represent. Our brokers are members of the Mortgage & Finance Association of Australia, and we keep abreast of Australia's ever-changing financial services industry by enrolling in educational courses, attending seminars, and reading the financial news.

So that we can be completely transparent in our dealings with you, we've developed the Customer Charter & Credit Guide (PDF) to protect you.

5. THERE IS NO CHARGE FOR OUR HOME LOAN SERVICE

Our home loan service is free of charge because the lenders pay us. Each lender pays a different commission, but through the Mortgage Choice payment system, we get paid the same rate of commission regardless of which home loan you choose. This ensures we work hard to get you the best outcome.

Much More Than The Right Loan

There's a lot to consider when buying property, be it your first home or fifteenth, and information is key to making good decisions.

As Lending and Finance professionals, we do more than find you the right loan. We share our knowledge with you.

Learn more about financing your home purchase by:

Attending one of our seminars
Subscribing to our e-Newsletter
Obtain a copy of our book, 'Loan Structure & Strategy', which will help you grow your wealth through property

Complete and submit the contact form at the bottom of the page telling us which items you're interested in, and we'll send you the information.

Recent Awards Won By The Mortgage Choice Melbourne Team

2020 Mortgage Choice 'High Flyers Award' No. 1 in Australia
2019 Australian Mortgage Awards 2019 finalist for 'Brokerage of the Year'
2018 Winner of Mortgage Choice Business Excellence Award 'National & State Multi Operator of the Year'
2017 Winner of Mortgage Professional Australia 'Australia's No. 1 Franchise Brokerage'
2016 Recognised in The Adviser's 'Top 25 Brokerages'
2014 and 2015 Winner of Australian Broking Awards 'Best Diversification Program'
2002 - 2021 Mortgage Choice 'High Flyers Award' 19 years consecutively.

Get your FREE Home Loan Health Check

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

See all Google reviews

Hi Cameron, great news, you made things happen for us! As they say, you need to have the right people with experience beside you... and you mate are one of the best professionals we have worked with...Great updates!
Ranny & Olga Poraty, East Bentleigh, VIC
- Property Investor

Thank you kindly. Always the best service! Di and Stephen's help is invaluable.
L.B, , Brooklyn, VIC
- Property Investor

Amazing customer service, Cameron and Nadia have been extremely helpful and taken the time to assist me through the different stages of my property purchase and knockdown rebuild project: - Providing me with numerous property valuation reports when I was still looking for a property to purchase. - Suggesting the best finance options based on my current situation. - Assisting me through the property settlement process and then with the construction loan for my knockdown rebuild project.
R, Goomiah, Yarraville, VIC
- Upgrader

Hi Cameron and Nadia, A heart felt thank you for all the help and support, you made the loan process so seamless.
You are highly professional and provided very quick response to any enquiries. Your expertise was evident every time a curveball was thrown at you. Appreciate the assistance with the list of conveyancers, guidance on building inspection and building insurance.
S, Chinta, Thornbury, VIC
- First Home Buyer

A seemless setup of the new mortgage through good knowledge of product offerings and focus on customer needs
G, Miranda, Brunswick, VIC
- Refinancer

Cameron is very personable and easy to deal with. We are both busy people so appreciated his quick and prompt responses to our questions. We have used Cameron and his team for 2 home loans now, plus the re-financing our first loan. Highly recommend him and the team to anyone looking for a mortgage broker.
V & D Ryan, St Kilda East, VIC
- Refinancer

Quick and easy process
J, Evans, Keilor Downs, VIC
- Refinancer

Chantelle was wonderful! She was very responsive to our correspondence and was happy to provide advice and different loan options a number of times. We would definitely recommend her to anyone else.
J, Huang, Mitcham, VIC
- Refinancer

Cameron is very professional and knowledgeable. He was very helpful and not pushy like other brokers I dealt in the past. I have already recommended him to all my friends and families.
A, Ramburn, Point Cook, VIC
- Refinancer

Chantelle made the effort to come to my office in Collins St twice to explain the process and my choices. She was intelligent and polite. She also followed up on paperwork with my lawyers and agent, rather than asking me to do the same. She was the perfect broker for me. I found the process seamless and the result was fantastic. She was so efficient and communicated with me at every step. I am very happy with the amount of loan, the rates and the way it is set up. I won't hesitate to use her services again. Highly recommended.
J, Rodgerson, Castlemaine, VIC
- Upgrader

Chantelle was amazing. Would happily recommend her.
J, Cawood, Brunswick West, VIC
- First Home Buyer

Dear Cameron, thank you sincerely for all your assistance in the purchase of my first home. You made what seemed like an extremely complicated and confusing process, straight-forward and worry free. I very much doubt that if I hadn't have come into Mortgage Choice's offices and dealt with you, that I would have felt confident enough to bid and eventually purchase my property. Your extremely prompt responses to my questions and down-to-earth attitude made you an absolute pleasure to deal with. Thank you again!
Kellie-Ann McDade, St Kilda, VIC
- First Home Buyer

Cameron was sensational in the process of the home loan from start to finish. He was very clear and informative on each stage on securing the home loan and what was required.. Definitely recommend Cameron and Mortgage Choice
M, Budge, Kensington, VIC
- Property Investor

Dear Stephen & Marnie, I would like to thank you & the team for your help over the past few months in securing a mortgage so that I could purchase property. I'm well aware that on this occasion my situation was not that clear cut and this made dealing with the lenders challenging - but it was your determined support, patience and understanding that helped me obtain finance and complete my purchase. Thank you! I appreciate all that you do and would have no hesitation in recommending Stephen, Marnie & the team. Until next time!
Ron Crack, Ballarat, VIC
- Property Investor

It was a pleasure doing business with Chantelle!
DB, Altona Meadows, VIC
- First Home Buyer

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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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Mortgage Brokers Melbourne | Home Loan Experts

Melbourne

Latest home loan interest rates

We've got your best interests at heart.

We'll get an understanding of your home loan needs and tell you more about us and how we work. Then, if we both feel there could be opportunties to help each other, we agree on how we move to the next stage.

5 Reasons To Choose Us

Much More Than The Right Loan

Complete and submit the contact form at the bottom of the page telling us which items you're interested in, and we'll send you the information.

Recent Awards Won By The Mortgage Choice Melbourne Team

Get your FREE Home Loan Health Check

The right home loan for your needs

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