Mortgage Choice in West Perth are your local home loan experts

Call: 08 6144 3230

If you are looking for an experienced and friendly team to help you on your home loan journey, get in touch with Steve Sims from Mortgage Choice in West Perth on 0433 124 081 today!

We can calculate your borrowing power, compare your options, give you expert advice and do all the legwork. And our local home loan service is at no cost to you.

But don't take our word for it - check out our 5 Star Google Reviews or read our Testimonials page to hear what our clients have to say about their own experience with our team!

Call Us Mortgage Choice West Perth
Office - 08 6144 3230

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

Address

Suite 8, Level 3, 1111 Hay Street WEST PERTH, WA 6005

Latest home loan interest rates

Starting from

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Comparison rate

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Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

Start your home loan journey today

Flexible meeting options

While we have an office conveniently located on Hay Street in West Perth, we also have the flexibility to be fully mobile and can happily meet you at your home, workplace or local coffee shop if that works better for you! Use this link to book an appointment online, or give Steve a call on 0433 124 081.

We service the Perth CBD, City Beach, Claremont, Cottesloe, Crawley, Daglish, Dalkeith, East Perth, Floreat, Highgate, Jolimont, Kings Park, Leederville, Mosman Park, Mount Claremont, Nedlands, North Fremantle, Northbridge, Peppermint Grove, Shenton Park, Subiaco, Swanbourne, West Leederville, West Perth and the surrounding areas.

Getting started is easy

For expert home loan advice at no cost to you, book an appointment with your local home loan expert Steve Sims today!

We'll find the best home loan for you

Steve and Donna Sims are your local West Perth home loan specialists. With over 25 years of combined finance experience, we'll make your next home loan easy.

We can assist you with:

First home buyer purchase
Refinance
Investment loans
Upgrading your home
Business lending
Insurance - general and risk
Car Loans
Equipment finance
Loans for self-managed super funds (SMSFs) investing in property

Achieve your West Perth and Claremont property goals

Once we have a thorough understanding of your financial goals and future needs, we then compare hundreds of different loans from our extensive panel of lenders.

Our comparison service lets us find the loan that best suits your needs - so you can focus on finding the Perth home or investment property that's right for you.

We'll help with your loan paperwork and stay in touch throughout the whole process, from application and approval to settlement and beyond.

Book an appointment with Steve

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

Steve is amazing - offers professional mortgage brokerage that is efficient and friendly. Great communication, prompt and well organised. Steve has assisted us with the purchase of multiple properties over the years and we would not use anyone else

Sally
12 December 2023

My partner and I are grateful to have had Steve from Mortgage Choice assist us with our home loan. We initially planned to go through our bank but figured there was no harm in speaking to someone with knowledge in this area and we have no regrets with this decision. He got us a fantastic deal and worked with the bank to get our loan sorted in our very short timeline. He answered all our questions along... read more

Narissa
10 November 2023

Steve made the home loan process straightforward and less daunting by being very approachable and providing prompt clarification to any questions I had. Highly recommended, thanks for your work Steve

Joshua
14 October 2023

Highly recommended Steven , made the house buying process so smooth and easy like a piece of cake , if you looking for best mortgage broker he is the one to go look no more ?

Ella
28 August 2023

Steve helped me with buying my first home. He made the whole process so easy and fast. He was always available to answer any questions or queries that I had in a timely manner. I highly recommend him.

Eveline
15 August 2023

Steve Sims was the ultimate professional in efficiently sourcing the best deal.

Greg
13 June 2023

Steve was amazing and helped me immensely through the process of purchasing my first home. His responses to my questions were quick and concise, he was punctual and friendly during face to face interactions and remained incredibly professional throughout. Highly recommended.

Myles
06 June 2023

Steve helped us every step of the way to buying our first home. It was a fast easy process and we are very happy with the service we received. Highly recommend, thank you Steve

R
30 May 2023

Steve helped us with our first and second home mortgages. He and the team at mortgage choice West Perth are champions of the game. A wealth of experience and professionality they tailored everything to our needs with plenty of helpful advice and aftercare. Thanks Steve.

vincent
12 May 2023

Steve was a pleasure to work with throughout our mortgage process. He answered all our questions and was available at all hours of the day.

Craig
09 May 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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Calculate

You could borrow up to

Repayments
/ month
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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.

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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.

Value of property

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First Home Buyer?

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Total fees:

Breakdown	Amount
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Transfer fee
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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.

Click here for more information on the WA First home Owner Grant.

State / Territorial Revenue Web Sites

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Mortgage Choice in West Perth are your local home loan experts

West Perth

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

Flexible meeting options

Getting started is easy

We'll find the best home loan for you

Achieve your West Perth and Claremont property goals

The right home loan for your needs

Client reviews

Refinancing guide

Help me calculate

2nd Applicant

Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

State / Territorial Revenue Web Sites

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