Mortgage Choice brokers in Willetton and Canning Vale

Mortgage Choice in Willetton and Canning Vale | Your home loan, investment & finance experts

Call: 0418 907 760

Our expert team has been helping the Canning Vale & Willetton community with home loan & finance services for over 21 years.

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

Call Us Mortgage Choice Willetton
Office - 0418 907 760

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

Address

Unit 2, 300 Vahland Avenue WILLETTON, WA 6155

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 Willetton & Canning Vale, 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 Willetton and Canning Vale 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 to you, no matter where you are in the loan or financial planning process. Call us for a quick chat on 0418 907 760 or click the Contact Us button at the top of the page.

We service Canning Vale, Willetton, Success, Shelley, Rossmoyne, Applecross, Ardross, Brentwood, Canning Bridge, Mount Pleasant, Alfred Cove, Booragoon, Myaree, Riverton, Bullcreek, Bateman, Murdoch, Winthrop, Leeming, Langford, Lynwood, Parkwood, Ferndale, Atwell, Aubin Grove, Banjup, Beeliar, Hammond Park, Jandakot, South Lake, Yangebup & surrounds.

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

Visit our office

Visit our office at Unit 2, 300 Vahland Avenue in Willetton and meet the whole team.

Find us on Google maps

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. ~

Jessica and I thank you for the assistance that you have given us in our purchase of 25 Wirilda Way. The transaction went smoothly testament to your diligence and dedication.

Once again, thank you.
A. Lim, Willetton, WA
- Property Investor

Have been using Tony's and his Mortgage Choice Office's service for 5 years. I have been able to build up my equity and property portfolio considerably during this tough economic period of time thanks to their professional service in providing finance and use of their RP Data facilities in choosing suitable properties.
Joe Lepper, Morley, WA
- Property Investor

Thanks to Tony and his Office Team we have been able to secure a financially secure life style with their professional assistance over the last 12 years in obtaining finance for numerous properties. I have recommended Tony to many of my work colleagues and other family members in successfully obtaining a better rate of finance for existing and newly purchased properties.
Hoosain & Fadia Parker , Ballajura, WA
- Property Investor

Thanks to Helvin from Mortgage Choice,Willetton, I have been able to secure my first Mazda 3 which is great. Helvin is someone very friendly and someone who listened to all my queries, guided me through the process and provided me with the best deal at present in the market. I will definitely recommend my friends to Helvin.
Christopher Gabriel, Bentley, WA
- Property Investor

Mortgage Choice Willetton has been instrumental with his honesty, integrity and ingenuity in assisting my business grow to where it is now. I have referred Tony to many of my colleagues in helping them along the way with their financial requirements.
Dr Argero Xaftellis, Joondalup/East Perth, WA
- Property Investor

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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 $176,000 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.

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