Your Local Mortgage Broker for Whittlesea, Doreen, Mernda, Mill Park & Bundoora through to Kilmore

Call: 0438 381 312

Looking for a home loan? Talk to Fab Mastro, your local Mortgage Choice broker in Whittlesea. Let us research and compare over 20 lenders for you.

Call Us Mortgage Choice Essendon
Office - 0438 381 312

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

Mortgage Choice Whittlesea

Hi, we're the team from Mortgage Choice Whittlesea, servicing Melbourne's North & North-Eastern suburbs. Whether you're buying your first home, upgrading, refinancing or looking to invest in property, we are your local home loan experts.

For over ten years, we've been helping people just like you achieve their home ownership dreams. We pride ourselves on delivering exceptional service - first time, every time - to each and every client. And, that's why so many of our clients keep coming back and referring their family and friends to us.

Why choose Mortgage Choice Whittlesea?

1. More Choice

We have access to products from over 20 lenders, including the major banks, offering in excess of 300 home loan products. We'll do all the shopping around for you and compare hundreds of home loan products to find the home loan that best suits your needs.

2. Expert Advice

With over 10 years' experience in Mortgage Broking & Finance, our team of professionals offer expert advice and use state-of-the-art loan qualifier software to provide you with a wide choice of home loan options.

We calculate how much you can borrow and what your repayments will be so you know what you can afford. We can educate you on different ways to structure your loans and show you how to pay off your home loan sooner. We'll even negotiate with the lenders to ensure you get a great deal.

3. Convenience

We understand that you're busy and there's never enough hours in the day. Whilst we have an office in Melbourne's CBD, our Mortgage Brokers are happy to meet with you at your home or workplace at a time that suits you, including after work hours.

4. There Is No Cost For Our Service

There is no cost to you for our home loan service, as the lender pays us after your loan settles, meaning you can take advantage of our knowledge and wealth of home loan expertise and save yourself all the running around.

We can find you the right loan for your:

First Home
Next Home
Refinancing
Investment

We also specialise in:

Bridging Loans
Personal & Car Loans
Home Equity / Line of Credit Loans
Insurance

Talk to us today!

If you're looking for a local, hard-working and experienced Mortgage Broker, talk to us today. Simply click on the 'contact us' link at the top of this page, or phone us on (03) 8602 6777.

Whether you're buying your first home, upgrading, refinancing or looking to invest in property, we are your local home loan experts.

We service the areas of: Thomastown, Lalor, Epping, Mill Park, Bundoora, Kingsbury, La Trobe University, Yarrambat, Wollert, Woodstock, South Morang, Beveridge, Doreen, Mernda, Yan Yean, Chintin, Darraweit Guim, Upper Plenty, Wallan, Eden Park, Humevale, Kinglake Central, Pheasant Creek, Whittlesea, Heathcote Junction, Wandong, Bylands, Forbes, Glenaroua, High Camp, Kilmore, Kilmore East, Moranding, Tantaraboo, Willowmavin 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

Fab and his team were fantastic in securing the best loan for our financial situation and they were all so helpful and friendly - no task was too small or question silly, and he explained everything to us so that we always understood what was happening. His service ethic and turnaround times were fantastic which was especially helpful given we made an offer on our home subject to finance and our home buying p... read more

Daniela Brown
16 December 2017

I honestly went to my bank, who I'd been with for 25 years, and they said I couldn't borrow any more cash. After seeing Fab, we were not only able to get a discount from my existing bank, but we were able to purchase our 4th property. I would definitely recommend his services again, especially as it doesn't cost me a cent!

Chris M
16 December 2017

Fab Mastro did not give sufficient choice of home loan option. Instead, he gave me, hassle-free & promptly, the VERY BEST HOME LOAN OPTION I could have hoped for. I didn't want sufficient choice when I had the best person to provide the best choice for me. Fab also did not offer me other Mortgage Choice products. He knew my only requirement was to get a good home mortgage deal. As soon as my partner is able, he will be looking for Fab's advice also.

Sylvia W
16 December 2017

Fab was incredible, he made a way in a very complex situation. Thanks!

Josh H
16 December 2017

Thank you Fab, for all your hard work, not to mention you carried all the stress, as it was stress free throughout my experience with Mortgage Choice.

Kimi, T
16 December 2017

Fab made everything I approached him with effortless and did not disregard anything I put to him even if it technically had nothing to do with him. I as over the moon with the way I have been treated especially as I am in Perth. Thank you!

Angelo, A
16 December 2017

Fab and the team went over and beyond to help us get our loan over the line at the best rate, I would recommend them to anyone.

Brendan, C
16 December 2017

Excellent service. Prompt telephone calls. Job well done. Thoroughly recommend!

Sharon, A
16 December 2017

My wife and I agree this has been an excellent experience and Fab has been absolutely 100% helpful. He would always call me back if he missed my call and did not fail to meet our expectations.

Anonymous
16 December 2017

Hi Theo, I am very grateful of your services and assistance. You helped us secure our dream home and the service from ANZ has been great so far!

Chai
16 December 2017

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You could borrow up to

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/ month
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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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Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

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Your monthly repayments
Total loan repayments:
Total interest charged:

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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First Home Buyer?

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Total fees:

Breakdown	Amount
Stamp duty on property
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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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