Kitty Hibble
02 Feb 2021
0
Tim and his team are incredible. Highly, highly recommend.
Mortgage Choice in Kingsley
We excel at this by not only being client centred, but also by:
“I think Mortgage Choice in Kingsley hold customer service as their #1 priority, you cannot better that” - Vivek and Jehan, Kinross
Another way that we help our clients is by offering so much more than home loans. You can come to us for assistance with:
“Tim and his team are attentive, friendly, informative, and readily available; making our first home buyers experience simple and pain-free. The team have been able to develop good relationships not only with customers, but also the lenders, making the processes run smoothly. I would highly recommend Mortgage Choice in Kingsley to anyone looking for a broker who has the customer's needs as their highest priority” - Kate and Alex, Kingsley
Our broker, Tim Kerin, has recently been recognised by Mortgage Choice, winning the 2016 Rising Star (Prior Experience) Business Excellence Award and the State Single Operator of the Year Business Excellence Award in both 2018 and 2019.
If you would like more information, then these blog posts will be helpful:
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. ~
02 Feb 2021
Tim and his team are incredible. Highly, highly recommend.
27 Jan 2021
Tim is simply AMAZING and his team is just as fabulous. Tim is passionate about his business and customers and goes above and beyond. Our house is under construction right now b...
26 Nov 2020
Tim and his team at mortgage choice in Kingsley went above and beyond for us in order to obtain the finance we needed. We can't thank him enough for all the time he spent trying...
26 Nov 2020
We were recommended to go to Mortgage Choice in Kingsley by a family member. The team were fantastic in assisting us to obtain finance for our family home with the difficult sit...
27 Oct 2020
This is the third time I have dealt with Mortgage Choice (second time through Tim Kerin) which gives an idea on who I go straight to for my mortgage requirements! I have arrange...
03 Aug 2020
Tim, Pascal and team are so helpful, professional and will go the extra mile. Would highly recommend them to all our friends and family!
30 May 2020
My husband and I found the team to be very helpful, friendly and extremely on the ball in all aspects. Tim was super knowledgeable, giving us options to suit our situation and a...
07 May 2020
Tim is such an excellent professional, a great pleasure to deal with. He is highly knowledgeable, friendly, thorough and efficient. Would highly recommend him to anyone and ever...
15 Apr 2020
Best. Team. Ever. Friendly. Reliable. Understanding. Truly own what they do! I can't recommend them enough. Tim helped us get a loan for our land and our new build house. He fou...
12 Feb 2020
Tim at Mortgage Choice Kingsley is simply fantastic. Mortgages can be tricky to navigate (and costly too, if you're not aware of the consequences of your decisions), but I felt...
12 Feb 2020
The service and support we received from Tim and the whole team is like nothing I’ve received before. Such a professional and personable company. Nothing seemed too difficult or...
11 Feb 2020
Building is a stressful process, so we were really lucky to have the very passionate and diligent Tim and his incredible team look after all the financial aspects. Thank you guy...
11 Feb 2020
Tim and his team are very professional and responsive and make sure you understand all the complexities of a deal. Sourcing finance can be very daunting - these guys make it eas...
11 Feb 2020
I have known Tim and his team for a few years now. Tim is the most honest & decent broker I know and his Mortgage Choice Kingsley Team are the best in the business. Don’t believ...
22 Jan 2020
The team there are super knowledgeable and help me get the best loan. Tim and his crew go up and beyond to help in any way they can.
15 Jan 2020
Tim and the team at Mortgage Choice Kingsley were absolutely excellent to deal with while buying my first home, and I will definitely be a repeat customer for future purchases....
10 Jan 2020
I highly recommend Mortgage Choice, Kingsley. They are extremely knowledgeable, helpful, and go above and beyond to ensure that you retain the best mortgage rates available. I h...
10 Jan 2020
Tim and the staff at Kingsley are fantastic to deal with. i would highly recommend that you seek out Tim Kerin. We have been using Tim for various loan requirements. Always will...
10 Jan 2020
I am very happy with the Kingsley team, they’re friendly and professional, and Tim really knows what he is doing. We’ve refinanced a few times as our situation changed and we wi...
09 Jan 2020
Tim and the team at Kingsley are awesome! They have helped me a couple of times and the family and friends I have sent their way.. Recommend them highly????
09 Jan 2020
Mortgage Choice Kingsley has alway provide safe secure advice. They bend over backwards to help their clients
09 Jan 2020
Very proffessional service, they helped me and my children to buy homes. They have been established for long time so we trusted them.
09 Jan 2020
Tim has looked after us and our mortgages for many years and has always gone the extra mile. Highly recommend him and his team.
09 Jan 2020
The people at Mortgage Choice were really helpful and thorough when I arranged my mortgage through them. Great 'after' service too.
09 Jan 2020
Fantastic support and advice Would highly recommend kingsley mortgage choice as the right mortgage brokers to see when buying or selling Easy and reliable service always
19 Dec 2019
Friendly and professional staff whom are very good to deal with
18 Dec 2019
I would definitely recommend Mortgage choice Kingsley with Tim and his team. Tim is very diligent and hardworking, who went above and beyond for me and my family. Regardless of...
26 Nov 2019
Tim helped us through out the whole purchase process. Work out all the options we have without asking. you can see his strength when math is involved!
26 Nov 2019
We've been with Mortgage Choice Kingleys for many years and i can't recommend Tim and his team enough. He went above and beyond, including an after hours appointment to suit my...
26 Nov 2019
So glad we went with them, for the first time I feel like the brokers r actually there for u not the bank. They know what they are doing and they r so good at it. They always la...
15 Oct 2019
The team were very helpful and friendly. Highly recommend them to others.
08 Oct 2019
Tim has been so helpful and generous in his time and expertise. Him and his team go above and beyond. I could not recommend him highly enough.
We can't thank you enough for all the support and hard work you have put in to help us achieve this move in our lives.
You and your team have gone above and beyond to help us out.
We are most grateful for everything, this is the start of a long working relationship with you and Mortgage Choice.
The best thing we ever did back in October 2017 was to make an appointment with you.
Our sincerest thanks and appreciation.Greg and Sue, Landsdale,
We were referred to Mortgage Choice in Kingsley. And we certainly can see why. The time was given so freely by Tim, he had researched the papers we had sent him and just knew the questions to ask, and of course the answers we were looking for. At no time did we feel like he was in a rush to push us out the door. Thank you Tim much appreciated for you time and your solid advice.
Debi and Steve, Alexander Heights,
Tim and Kate, Bayswater, WA
- First Home BuyerTim and the team at Mortgage Choice in Kingsley were invaluable in helping us buy our first home.
Tim helped us out from the very start, carefully going through all the details we needed to know for getting together a deposit. This initial advice steered us in the right direction and ensured we didn’t waste our time looking at properties we couldn’t afford.
Once we found our home, Tim and Jim were likewise invaluable in helping us to secure finance. When it came to choosing a mortgage, Tim did an amazing job at explaining complex ideas and processes in a way that we could easily understand, enabling us to evaluate all of the options in an informed way.
Throughout this process Tim was always willing to meet or speak on the phone at any time to explain what was going on, what we needed to do, or to lend advice.
I genuinely think that we wouldn’t have been able to do any of this without Tim and his excellent team at Mortgage Choice in Kingsley.
I don't know how anyone could buy and sell a house without dealing with experts like Tim and Jim at Mortgage Choice in Kingsley. From the very first meeting to the conclusion of the whole matter, they were super friendly and super helpful. Nothing seemed to be too much trouble for them. They were so obviously experts in their field it really gave you, as a lay-person, real confidence. All along it was clear that they were actually fighting for a good deal for you as their client. We could not recommend them more strongly to others - and in fact, we have.
Duane and Naomi, Marangaroo,
Tim and his team were absolutely fantastic to work with, they made the whole process easy from start to finish. They were always there to answer any questions we had and we would highly recommend them.
Trent and Karen, Dianella,
This is the third time that we have used the services of Mortgage Choice and Tim Kerin. We would have no hesitation in recommending Tim - he handled our refinancing with professionalism and a sense of humour, and ensured that the application process was as straightforward as possible. Tim brings a personal, friendly side to finances that we have greatly appreciated.
Amanda and Steve, Kingsley,
The service and advice we received was spot on and all our questions were answered. We received updates along the way on our application and the follow through was fantastic. Thankyou!
Lauren and Blake, Aveley,
A great team that matches your needs with a mortgage that suits you and then follows through with exceptional service until settlement.
Felice, Aveley,
We had nothing but amazing service from the whole team at Mortgage Choice in Kingsley. We had several issues refinancing our loan yet they were on top of everything and helped us at every stage. This was the second time we've used the Mortgage Choice in Kingsley team and we would happily use them again. Will be recommending them to our family and friends.
Ashley and Lauren, Carine,
My experience of Mortgage Choice in Kingsley and of Tim Kerin in particular has been extraordinarily positive.
Tim is one of the most thorough people I have ever dealt with in a professional capacity. He explores every possibility and explains every nuance. I took him down some dead ends, and changed my mind several times. He didn’t bat an eye. He was patient with me and responded to new information rapidly. He drew on a wide knowledge base, and didn’t push me toward any particular outcome.
As we moved closer to approval and settlement, I was in touch with other members of the team who were equally attentive and helpful.
As a first home buyer, I feel deeply grateful that Tim and the team were with me for the whole journey.Chris, Tuart Hill, WA
- First Home Buyer
I found Tim and the team at Mortgage Choice in Kingsley to be extremely helpful, knowledgeable and super patient with a home buying novice like myself. I have already recommended them to my friends and wouldn't hesitate to recommend them to others.
Kellie, Madeley,
Mortgage Choice in Kingsley have been looking after my mortgage for the last 3 years and they have been so accommodating, helpful and always willing to go above and beyond!! I have referred several friends to them and they always come away stoked with the level of service and friendly guidance from the amazing team!!
Jaleesa, Brabham,
After many tries with Mortgage Brokers and feeling desperate I went into the Kingsley office thinking I would be stuck struggling with my previous lender forever. The service I received was absolutely fantastic and made the whole process much easier and less painful than I ever could have imagined. They couldn't have been more helpful and friendly. I won't hesitate to recommend you guys to any one. Thank you for making my life a lot less stressful!
Michelle, Banksia Grove,
Mortgage Choice in Kingsley were recommended to me by a friend. The service I have received from start to finish has been exceptional and made the whole apartment buying process so much easier than I have ever experienced before. I wouldn't hesitate to use the team again.
Julie, Subiaco,
I would recommend Mortgage Choice in Kingsley to any one! I came into your office thinking I would never be able to afford my own home! You made the process relatively pain free and simplified things so it was easy to understand. When I found out I had my bank approval I think I spent the day crying! Happy tears as you made my dream a reality! So thank you for making my year!
Emma, Yanchep,
Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.
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Talk to an expertBreakdown | Amount |
Stamp duty on property | |
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Need help with your next home purchase?
Talk to an expertFrom 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.
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
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.
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.
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.
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.
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.
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).
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.
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.
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.
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.
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.