Mila and Tara can help you find the right loan or build a financial plan for your future. Talk to us to get started

Mortgage Brokers in the Pilbara and Kimberley - Newman, Karratha, Broome, Port Hedland, South Hedland, Tom Price, Paraburdoo, Derby, Kununurra & surrounds

Call: 0437 220 497

Your local Mortgage Choice Brokers Mila Cross and Tara Williams.

Mila and Tara can help you find the right loan or build a financial plan for your future. Talk to us to get started

Call Us
Office - 0437 220 497
Fax - 08 9175 1300

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

Your local home loan & finance team are here to help.

We know how stressful and complicated the loan process can be. Finding the right loan for your first home, investment property, new car or commercial property can seem daunting. That’s where we come in.

We take the hassle out of finding the right loan

At Mortgage Choice in the Secret Harbour area, we have a friendly loan support team who help you through every step in the home loan process, making it as streamlined as possible and giving you a smooth transition into your new home or investment.

The first step: choosing your home loan

The first step in any home loan journey is to make sure you first have the right loan from the right lender at the right rate! There are plenty of comparison sites online, but it could take you hours to go through every loan on the market, not to mention the fine print.

Let us help you! Our home loan team will find the right loan for you from our panel of over 20 lenders, including all the big banks and some specialist lenders, to find you the loan that best suits your goals.

Do you want to pay off your loan in lump sums? Or use the equity in your home to invest in another property? There are plenty of options and we’ll find you the right one.

Helping you through the home loan process

It’s not just about making sure we have found the right home loan for you. There is lots of paperwork and follow up that comes with it! But don’t stress, we’ve got you covered.

Our home loan team will help you complete the required paperwork and follow up the banks for you so you don’t have to.

We’ll also help you through each stage from pre-approval to settlement, and help the transition into your new home as easy as possible.

Making sure you’re covered

We believe in working in our client’s best interests and making sure you’re aware of everything that comes with having a new home loan. We want you to feel comfortable and informed.

That's why we offer a free first appointment with our financial adviser so you can make sure you and your family are covered and prepared for every situation that may come up.

Find out more about our Financial Planning services here.

Our home loan service is no cost to you

Our clients love the expertise available to them from a local team who know the market and the Secret Harbour area. But what they love more is that our home loan service is no cost to you as the lender you choose pays us a commission after your home loan settles - so you get a team of experts for no cost.

And as Mortgage Choice brokers we are paid the same commission regardless of the home loan you choose from our wide choice of lenders, so you can rest assured that we are presenting the best loan options for you - not for us. With other mortgage brokers, that may not always be the case.

Talk to us today!

We would love to chat with you, no matter where you are in the loan or financial planning process. Call us for a quick chat on 0437 220 497 or click the Contact Us button at the top of the page.

Your local mortgage broker servicing Newman, Karratha, Port Hedland, South Hedland, Tom Price, Paraburdoo, Broome, Newman, Kununurra, Derby, Dampier, Pannawonica, Roebourne, Wickham, Cable Beach and Wyndam

We can help you with:

Home loans
Refinancing your current loan
Investment property loans
Top up on existing loans
Debt consolidation
Car loans & Personal loans
Commercial loans
Equipment finance & leasing
Self Managed Super Fund loans
Financial Planning

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. ~

Thanks for all your help, you made it an easy transaction!
A Schulz, Broome , WA
- Upgrader

I found your service to be very friendly, helpful and professional.
S Storry, Broome, WA
- Upgrader

The only thing that could possibly improve your service is a cold beer on arrival! Thanks for all your help, I will definitely be using your excellent service again.
Roderick. Butterfield, Broome, WA
- Upgrader

Thank you for making the purchase of my investment property so smooth and easy. By getting my loan through you, I didn't have to worry about a thing, and the stress and anxiety of getting a loan was non-existent. I would recommend Mortgage Choice to anybody out there looking for a home loan.
Brett Smith, Broome, WA
- Property Investor

Thanks so much for all your hard work. The new house is fantastic.
Cookson family, Kununurra, WA
- First Home Buyer

The service from Mortgage Choice was excellent
David Kellock, Derby, WA
- Property Investor

You guys are faultless.....that's why I utilise your services for all my properties past, present and will in future. Professional and helpful and ALWAYS there to answer ANY questions...I rate your services extremely highly...and will continue to tell friends and colleagues to utilse your services for a great peace of mind experience in a stressful time.
R Glynn, Offshore, WA
- Upgrader

Tara was very professional in her approach and kept us informed through out the whole process. Any questions we had were answered and extra information given to give us the best options available for our situation.

We have No issue referring friends and family to Tara at Mortgage Choice and will definitely be seeking her services again ourselves.

Bruno & Candice Porro
Bruno and Candice Porro, Newman, WA
- Refinancer

Tara, you handled our application with professionalism and were extremely understanding of our needs - which were quite specific!
Any of the problems that were raised when dealing with the loan application were dealt with with a sense of urgency, which gave us a sense that we were not just another application. Which I think it is really important.
You were extremely easy to communicate with and approachable in all our dealings and we appreciate all of your assistance.
TN and BG, Baynton, WA
- Upgrader

Perfect service explains everything very well and keeps you very well informed with all details as they come to attention, I have been recommending Tara Williams to as many people as possible, as I was very hard to get a hold of because of my job ,Tara made everything as painless as possible and was very patient, and is definitely great her job I was very impressed and so pleased when certain things weren't going to plan with outside parties how quick and efficient she sorted it out and kept the ball rolling. Thank you very much.
B D'Silva, Broome, WA
- First Home Buyer

Professional Service with a smile! Tara is amazing. We will be using her in the future & sending all of our friends her way! Thanks again for all your help Tara.
T & D Hamilton, Newman, WA
- Upgrader

What a legend ❤️❤️ have an absolutely amazing experience with Tara and now she sends us cupcakes, doesn't get much better than this!!
LK and BH, Baldivis, WA
- First Home Buyer

Extremely happy with Tara and Mortgage Choice. It was easy to work together over the distance (Karratha - Newman) and would recommend Tara to anyone looking to refinance or get a loan.
Mr & Mrs Glasson, Point Samson, WA
- Upgrader

Tara has gone above and beyond over the last 9 months for us we really appreciate it thank you
Brett and Ashton Snowden, Newman, WA
- Refinancer

If anyone is looking to refinance or obtain a home/personal/business loan then Tara Williams is your lady. Her knowledge, experience & professional service is second to none.
she has saved me so much money I'm truly thankfully ... Totally recommend her
Stephanie Foster, Newman, WA
- Refinancer

Help me calculate

More calculators

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

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 $176,000 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 Melbourne. Or you can receive a FHOG of $20,000 if you buy/build a new home in regional 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

View

Mortgage Brokers in the Pilbara and Kimberley - Newman, Karratha, Broome, Port Hedland, South Hedland, Tom Price, Paraburdoo, Derby, Kununurra & surrounds

Your local home loan & finance team are here to help.

We know how stressful and complicated the loan process can be. Finding the right loan for your first home, investment property, new car or commercial property can seem daunting. That’s where we come in.

We take the hassle out of finding the right loan

The first step: choosing your home loan

Helping you through the home loan process

Making sure you’re covered

Our home loan service is no cost to you

Talk to us today!

We can help you with:

The right home loan for your needs

Help me calculate

How much can I borrow

Home loan repayment calculator

Stamp duty calculator

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

Latest news & tips

State Business Excellence Award release

RBA holds cash rate as housing market cont...

The Government's 2020 First Home Loan Depo...

Contact us today.

Your local broker

About us

Legal

We'd love to chat, how can we help?