Mortgage Brokers Melbourne. Servicing also Brighton, Sandringham, Essendon, Moonee Ponds, Ascot Vale, Avondale Heights and Sunbury.

Call: 03 8602 6777

Mortgage Brokers in Melbourne, Docklands, West Melbourne, St Kilda Road and Southbank.
Drop by for a cup of coffee and a friendly chat at either of our two conveniently located offices:
Brighton: Suite 4/ 2-8 St Andrews Street, Brighton, VIC 3186
Moonee Ponds: Suite 9/19 Norwood Crescent, Moonee Ponds, VIC 3039

Call Us Mortgage Choice Moonee Ponds
Office - 03 8602 6777
Fax - 03 8602 6700

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

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Start your home loan journey today

We've got your best interests at heart.

We've got your best interests at heart.

Hello, we're the professionals who will get you the best home loan deal. Our experienced team is led by Ashley Koenig, Cameron Price and Stephen Zamykal who have been working in the Melbourne mortgage broking and finance industry for 22, 17 and 23 years, respectively.

For more than 20 years, our office has been conveniently located at 469 LaTrobe St, Melbourne. However, in light of the Covid pandemic and the changing landscape of the business world, we have made the difficult decision to close our office in La Trobe Street.

But don't worry, we still serve Melbourne CBD, Docklands, West Melbourne, St Kilda Road and Southbank. In addition to this, we opened two new office locations:

Brighton:
Suite 4/ 2-8 St Andrews Street, Brighton, VIC 3186
Moonee Ponds
Suite 9/19 Norwood Crescent, Moonee Ponds, VIC 3039

Come past for a chat or book an appointment where we will take the time to understand your specific home loan requirements and provide you with detailed information about our company and our approach. If we mutually believe that there may be opportunities for us to assist each other, we will discuss and agree on the best way to proceed to the next phase of our partnership.

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.

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.

Get your FREE Home Loan Health Check

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Melbourne, Docklands, Southbank, West Melbourne, St Kilda Road, and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with us to discuss your unique circumstances.

Ready to kickstart your journey to home ownership?

We’ll assist you along the way and do all the legwork for you! Call us today on 03 8602 6777.

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

We have had loans with Mortgage Choice for several years now. Although the service was good to initially secure the loan, we were extremely pleased when we received a call with a renegotiated rate out of the blue several years later which has saved us significant amounts on our annual interest payments.
David
29 November 2023

Obtaining a Mortgage can be so stressful but Cameron Price demonstrates exemplary patience dealing with novices as ourselves and in a clear, transparent and concise manner simplifies the whole ordeal.
L
26 November 2023

Ive used the mortgage choice team for years and have found them consistently exceptional in their advice, competitiveness and their administration. They are always professional and courteous and easy to deal with.
Andrea
15 November 2023

I have used Cameron for the past 10 years as my mortgage broker, himself and hes team always go above and beyond expectations and always do there best to set you up for financial success Highly recommend
Dylan
12 November 2023

The team at Mortgage choice were great to deal with. Very professional , friendly and had great products to offer
John
03 September 2023

My wife and I wanted to say Thank you for Cameron's team - They were helpful, and show excellent financial knowledge, we used their Refinance services which were on time, with a very professional approach. Their team is very friendly and provides great customer service.
Before during and after the process - dealing with the banks they were fantastic and helped with any questions or queries we had. Highly recommended.
ranny
17 August 2023

Did Stephen and the team at Mortgage Choice meet my expectations, no, they far exceeded them. Every question I had was answered, every solution I needed was found, every outcome I wanted was achieved. They are fantastic, prompt and approachable, and I would look no further than them. A special mention for Sharon and Joanna who put in so much effort and truly went above and beyond.
Tina
13 August 2023

Cameron Price is the best in the business, highly recommend.
????? review all the way
Sarah
17 May 2023

Some people say that along with having a child buying a house is one of the most stressful things in life. However, with the assistance of Garth and his team at Mortgage Choice I can honestly say it was effortless, enjoyable and very exciting

As first home buyers Garth carefully explained the process and helped us every step of the way. His communication and professionalism were outstanding and he... read more

30 April 2023

I've been working with Stephen and the team for nearing a decade now and couldn't be happier with my experience with them over the years. They've helped guide me through my first home purchase, an investment property, remortgaging and most recently our next chapter home. They're are exceptionally knowledgeable, well connected and most importantly persistent with my spirratic engagement and more oft... read more
Max
20 April 2023

Refinancing guide

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

Download now

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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 $650,000.

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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Mortgage Brokers Melbourne. Servicing also Brighton, Sandringham, Essendon, Moonee Ponds, Ascot Vale, Avondale Heights and Sunbury.

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