Empowering women and families with their finances | Mortgage Broker Tiffany Middleton

Call: 0412 697 726

With more than 25 years experience in banking & finance, I am passionate about helping women & families reach their finance and property goals. My free home loan service gives you access to thousands of home loans from over 25 lenders.

Call Us Mortgage Choice Mentone
Mobile - 0412 697 726
Office - 0412 697 726
Fax - 03 8610 0124

Open Hours Mortgage Choice Mentone
As a mobile broker, I can meet you at a time & place that suits you best! We can also help you via phone or zoom.
Free Appointment

Mobile Broker

Servicing Langwarrin, Frankston, Carrum, Cranbourne, Patterson Lakes and surrounding suburbs.

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Helping you get the best out of your finances

I have over 25 years of experience in the banking industry and a mission to help women and families reach their financial goals; regardless of where they are right now.

With a family of my own, I understand that money is a precious commodity and you would rather spend it on your family than give more than required to your bank. That's where I come in.

Let me find you the right home loan

I became a mortgage broker because I know that having a wide range of home loans and lenders to choose from is the first step in getting a better deal on your home loan.

Mortgage Choice have over 25 lenders on our panel - from the big banks down to the smaller lenders - so you have the benefit of access to thousands of home loans.

My free home loan service starts with figuring out which home loan or lender is going to suit you and your property goals. With decades of experience and know-how behind me, I do all the shopping around for you, to save you both time & money with your new home loan.

Supporting you through the home loan journey

I am passionate about supporting families through the home loan journey and find the best outcome for you. I will work with you to design and implement a mortgage solution that suits you.

I have extensive lending experience and understand banks and the ever-changing financial landscape.
Knowing how quickly the finance market can change, I don't just have a plan A for you, but also a plan B, C, and D.
I do all the legwork for you, including researching the best home loans & interest rates, filling out your application and paperwork and doing all the follow-up for you.

And my service doesn't just stop with your home loan. Like myself, your world and your finance goals are constantly changing.

I will keep in touch with you to make sure you still have the right solution for your needs, and remind you when it's time for us to review and perhaps refinance your loan.

Mortgage Choice is different from other brokers

Like all mortgage brokers, our home loan service is free to you because your chosen lender pays us a commission after your home loan settles with them.

Let's chat about how I can help

If you would like to purchase a home, or wondering if you should refinancing - I would love to have a chat about how I can help! As a mobile broker, I can come out to meet you at a convenient time. I am also available via phone or zoom.

To get started call me on 0412 697 726 or email me on tiffany.middleton@mortgagechoice.com.au.

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What customers say

"Due to COVID, I was in a very hard situation and I thought I would have to sell my house. My girlfriend recommended I call Tiff and she turned out to be a gift from God! She really listened to my situation and proposed multiple solutions to help." (Rachel, Mentone)

"Fantastic service over and beyond. Tiffany made the process so easy, she was so efficient and helpful. I would highly recommend her and will be using her again." (Joanne & Robin, Langwarrin)

"I cannot thank Tiffany enough for your prompt and professional help in securing us our mortgage. To this day we feel confident that we can approach/discuss with her any upcoming financial matters, and that her advice and word is sound." (Lydia & Brett, Cranbourne)

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

Tiffany was fantastic in assisting us every step of the way in purchasing our first home. She is professional, yet also has a great personality, which makes you feel at ease through the whole process. We loved working with Tiffany and would highly recommend her to anyone looking for a mortgage broker you can trust. Thanks Tiff

David
19 July 2021

Tiffany's service as our mortgage broker exceeded any expectations. We had a complex and stressful time juggling a house sale and new purchase throughout the start of the pandemic. Tiffany's intelligent, informed, solutions oriented response kept us calm and offered us excellent rates and terms. I recommend her to anyone embarking on the process of securing a home loan.

Tassie
19 July 2021

Tiffany was incredibly helpful throughout the entire process and very transparent with all options. Highly recommend

19 July 2021

Tiffany was incredibly helpful throughout the entire process and very transparent with all options. Highly recommend.

Cahill
02 June 2021

Tiffany's service as our mortgage broker exceeded any expectations. We had a complex and stressful time juggling a house sale and new purchase throughout the start of the pandemic. Tiffany's intelligent, informed, solutions oriented response kept us calm and offered us excellent rates and terms. I recommend her to anyone embarking on the process of securing a home loan.

Tassie Godkin
12 May 2021

Due to co-vid, I was in a very hard situation and I thought I would have to sell my house. My girlfriend recommended I call Tiff and she turned out to be a gift from God! She really listened to my situation and proposed multiple solutions to help. She kept in regular contact throughout the whole process and I never felt she was judgy (like most male brokers are.) I settled last week and now for the f... read more

Rachel
24 November 2020

I can not thank you enough for your prompt and professional help in securing us our mortgage.

My husband and I had been applying for a loan with another broker for the previous 3 months in which nothing had been achieved. We were feeling extremely frustrated, financially insecure and fraught with anxiety as settlement was now due in less than a week. We contacted Tiffany with five days to settleme... read more

Lydia and Brett
16 December 2017

Fantastic service over and beyond. Tiffany made the process so easy, she was so efficient and helpful would highly recommend her and will be using her again.

Joanne and Robin
16 December 2017

A big thank you to Tiffany. Settlement went really smoothly (despite my excess worry) and ING Direct is an amazing bank - seriously I get free ATM usage and every time I call them I'm barely on hold and they're super helpful!

I'll definitely recommend your services in the future.

Jane
16 December 2017

Refinancing guide

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

Download now

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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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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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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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