Your local mortgage brokers & home loan expert | Yokine, Dianella & Stirling

Call: 0421 810 482

Your team of mortgage brokers & finance experts, Travis & the Kelly team care about helping you afford the life you want to live and finding the right home loan to match.

With hundreds of home loans to choose from, we can help you find the right one - at no cost to you.

Call Us Mortgage Choice Stirling
Office - 0421 810 482

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

Address

Unit 4 / 114 Cedric Street, Stirling WA 6021

Latest home loan interest rates

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Start your home loan journey today

Helping you find the right home loan at no cost to you.

We know that finding the right home loan is important. Having the right loan at a low rate affects your budget, your family and your repayments. We also know that the home loan application process can be stressful, so the Kelly Team are here to help you every step of the way.

"The Kelly Team have provided me with excellent service and great products. I highly recommend them."

[T. Cooper, Morley]

Find out more about what our clients say

It pays to shop around for your home loan

At Mortgage Choice Stirling, our first step is to sit down with you to find out as much as possible about your circumstances, budget and goals, as well as answer any questions you might have about home buying & home loans.

Travis and the team do the research and shopping around for you, so you don't have to.

We search through hundreds of home loans from our wide panel of lenders - which includes all the big banks - to make sure we find the right one for you. We'll explain the pros and cons of each one, and help you with any questions you have along the way.

We prepare all the paperwork

If you would like to submit an application for a home loan, you can rest assured that Travis & the Kelly Team from Mortgage Choice in Stirling & Yokine is here to help. We prepare all the home loan paperwork, as well as answer any questions from the lender on your behalf.

We then continue to follow up with the lender throughout the process to make sure it's running smoothly and give you time to find the right property (instead of spending hours on the phone).

"Travis was professional and made the whole process from the initial appointment through to settlement seamless. Highly recommend!"

[Chris Armstrong, Westminster]

All at no cost to you

Our home loan service is no cost to you as the lender you choose pays us after your loan settles. It is one of the many things our clients love about Mortgage Choice Stirling.

Help with more than home loans

Because we're passionate about helping you live the way you want to live, Mortgage Choice in Stirling offer more than great home loan advice. We have a wide range of financial services including:

Home loans
Investment loans
First home loans
Refinancing your current loan
Debt consolidation
Insurance
Car loans & car buying
Personal loans
Equipment finance
Business finance

We can meet you at our office or anywhere that suits you

The Kelly Team at Mortgage Choice in Stirling are able to meet you at a time and place that suits your needs in order to find the right loan products for you. Alternatively, you can meet me at my office at 4/114 Cedric Street, Stirling WA 6021.

Call Travis on 0421 810 482 to book your home loans appointment, or click on the Contact Us button at the top of the page.

Travis Kelly and his team are your local Mortgage Choice brokers in Stirling, Yokine, Mount Lawley, Maylands, Inglewood, Bedford, Bayswater, Dianella, Balga, Mirrabooka, Westminster, Morley, Malaga & surrounds.

Visit our office

Pop in and visit Travis and the team at our office 4/114 Cedric Street, Stirling WA 6021. We would love to chat! 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. ~

Client reviews

Travis has been an excellent advisor and mortgage broker for us over the past 3 years .
Travis goes well beyond in his service by always putting his clients first and making them understand many aspects of the home buying process and alleviating concerns .
He is completely trustworthy, transparent, patient and most importantly very kind and a pleasure to deal with . He answers all questions, works ver... read more

Duane
02 January 2024

Travis organised everything for us with efficiency and speed. I am really appreciative of how any questions I had were answered straight away and I couldn't be more satisfied with the professional service and quick outcome. Thanks Travis

Antonietta
05 December 2023

Excellent communication and service. Highly recommended. Thank you

D
21 November 2023

This is the 3rd time that Travis has assisted us with our home loan, which proves how well we regard his work.
Travis is one of the hardest working, knowledgeable, customer focused people that I have met.
His wealth of experience in this area shows enormously in the professional assistance he consistently provides alongside the extremely prompt and reassuring responses he provides to absolutely any qu... read more

Ceri
09 November 2023

Was given Travis's details several years ago by a friend and would 100 recommend Travis to anyone else looking at refinancing
Have used Travis twice now over the years when refinancing my property and while neither were straight forward requests the 1st involved refinancing to buy out my ex-partners half of a property and the 2nd being wanting to withdraw further funds from the equity for another expe... read more

Ryan
31 October 2023

Travis made the process stress free and easy So prompt and has such a great attitude. I highly recommend his services, and will definitely continue to do business with him in future

Brooke
12 October 2023

Travis is so easy and helpful to deal with Happy to answer any and all questions and walk you through the home loan process. Really put us at ease helping us purchase our first home. Would definitely recommend 1010.

Sami
28 September 2023

My partner and I can't recommend Travis enough Travis was extremely professional and clinical in approach, whilst keeping us informed at all stages of the process. Travis was able to find a product that matched our circumstances completely. Having made an offer without pre-approval, Travis was able to secure finance extremely fast providing clear direction on what was needed from us, whilst driving the lender to the outcome.

Alex
26 September 2023

Travis is exceptional at what he does, he really sets the standard for the industry. He assisted us in securing two home loans at the same time and made the entire process easy. I would highly recommend Travis to anyone looking for a broker.

Lewis
30 August 2023

Travis is a great mortgage broker who clearly cares about his clients. He is extremley knowledgable and prompt with responses. I will definitely seek his services in the future and highly recommend him.

Kirsten
24 March 2023

First home buyer's guide

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process.

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.