Steven Spanos Mortgage Broker in Rosebud & Mornington Peninsula

Call: 0448 168 195

As a Mortgage Broker with over 24 years of industry experience, Steven Spanos is passionate about finding the right solutions for his clients. He brings a strong work ethic to every business partnership, providing honest, upfront advice and the professional know-how to guide customers through the borrowing process and help them achieve their goals.

Steven offers a mobile service on the Mornington Peninsula and surrounding areas.

Call Us Mortgage Choice Tootgarook
Office - 0448 168 195

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

Latest home loan interest rates

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Services

Client-focused and empathetic, Steven provides expert lending advice and guidance to help you make successful choices about your financial future. He can assist with a broad spectrum of loans including residential and investment home loans, business loans, trade and working capital finance, asset finance and SMSF lending.

Home Loans
Investment Home Loans
Refinance Loans
Building & Construction Loans
SMSF Loans
Business & Commercial Loans
Commercial Property Loans
Car & Asset Finance
Business Equipment Finance
Working Capital Finance
Renovation Finance
Equity Release
Deposit Bonds
Bridging Loans
Reverse Mortgages (Referred to third party)
Personal Loans
Insurance (third party referrals)
Loan protection Insurance

Other areas I service

Offering expert guidance and attentive service that extends past settlement, Steven is dedicated to helping his clients secure a finance solution that continues to address their needs over the long term.

Steven resides in Tootgarook, is based in Rosebud and offers a mobile service across the Mornington Peninsula as well as the surrounding areas.

Mornington Peninsula
City of Frankston
Bass Coast
Greater Dandenong
Frankston
Dandenong
Moorabbin
Springvale
Berwick
Cranbourne
Somerville
Phillip Island

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

One of the most patient and helpful people Ive ever dealt with. Steve was amazing from start to finish, even with me changing my mind several times throughout the process about what I wanted to do. He explained everything in detail and was always friendly and helpful. Highly recommend Steve to anyone needing finance

Shannon
26 October 2023

Absolutely recommend Steve without hesitation for mortgage and brokering services. He's extremely knowledgeable, informative, approachable and honest. Steve's service always felt as though he was advising on the best, most suitable product to me, and not a sales pitch or driven by an alternate Mortgage Choice agenda. Really a pleasure to work with and thank you for getting me into a home

Gigi
11 October 2023

I had a wonderful experience with smartline mortgage services. I highly recommend Steve Spanos, Steve was extremely helpful, guided me through every step of the finance application process. Absolute pleasure to deal with thank you!

Zafiria
05 August 2022

My wife and I were very impressed with steven spanos
our loan was only small and was a complicated due to location and type of property but he didnt give up and managed to get it all done so great job
we would recommend his services and have done already
thanks again Dale and Marieanne Mckinnon

Dale
27 July 2022

We found Steven Spanos excellent in his commitment to obtain an investment loan for us. Steven has a very open and relaxed attitude, explains all the processes very thoroughly in plain english for us to make an informed decision on our loan.Thank you Steven for all your help..Rgds Steve & Judy Cleveland.

Stephen
26 July 2022

Steve went above and beyond to help my experience getting into the market so much easier. He was always there to respond to any questions I had. I would highly recommend Steve to anyone I know who needed help getting a loan.

Lucas
09 July 2022

I really appreciated Steven's support and advice throughout the process of refinancing my home loans. Nothing was ever too difficult, and Steven always responded promptly to any queries I had. He was very professional, but at the same time friendly and approachable. I would highly recommend Steven's services. Thank you.

Clivia
05 June 2022

Extremely happy with Steven's service, there was no bull like other brokers who just want to sign you up to get the commission.
Steven listens to what you want and lays out the appropriate and best loans to suit your needs.
He always calls back or replies in a timely fashion.
I will definitely use Steven again for my future investments.

30 May 2022

I highly recommend Steven Spanos and Smartline. I’m grateful that Steven simplified the loan application process for me, and maximised my borrowing.

Clare
15 April 2022

Steven spanos from smartline looked after me & highly recommended him to all.
He is an experience broker with lots of ideas, options and can work for your needs.
As a person a great humble guy ??

Prabin
12 March 2022

Refinancing guide

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

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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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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.

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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