Your local mortgage brokers | Mortgage Choice Yokine

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

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 Balcatta
Office - 0421 810 482

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

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

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 Yokine, 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 Yokine & Dianella 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 Yokine. But one of the things they love the most is our 'paid the same' philosophy.

As Mortgage Choice brokers, we're paid the same rate regardless of the home loan you choose from our wide choice of lenders. This ensures we're focused on the right outcome for you, and not for us.

Help with more than home loans

Because we're passionate about helping you live the way you want to live, Mortgage Choice in Yokine 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
Financial planning
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 Yokine 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 193C Flinders Street, Yokine.

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 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 193C Flinders Street, Yokine. We would love to chat! Find us on Google maps.

We help you find the right home loan

Our 'paid the same' philosophy

What services do we offer?

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. ~

Google Reviews

Travis was professional and made the whole process from the initial appointment to settlement seamless. Highly recommended!
Chris Armstrong, Westminster, WA
- Refinancer

Very good knowledge of the market and finances and was a pleasure to have Travis take care of my business
S. Farrell, Dianella, WA
- Business Lending

A real professional, will use again for sure.
S. Booker, Yokine, WA
- First Home Buyer

The Kelly team have provided me with fabulous service and great products. Highly recommend them.
T. Cooper, Morley, WA
- Refinancer

Great service, very efficient and well organised, a pleasure to do business with.
N. Cameron, Dianella, WA
- Property Investor

I have used Travis’s services on many occasions and have found him to be very professional, timely, and well organised. Every time I have used him the loan rate has been well below what banks are advertising so it’s saved me a lot of money. I also love the little gifts I’ve received for each time I’ve referred my friends! Thanks, Travis, I can’t wait to buy another property with your help.
T. Ramsay, Yokine, WA
- Property Investor

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

Eguide First Home Buyer New Cover 255X360

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.

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

Latest home loan interest rates

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

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

[T. Cooper, Morley]

It pays to shop around for your home loan

We prepare all the paperwork

"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

As Mortgage Choice brokers, we're paid the same rate regardless of the home loan you choose from our wide choice of lenders. This ensures we're focused on the right outcome for you, and not for us.

Help with more than home loans

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

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.

Visit our office

We help you find the right home loan

Our 'paid the same' philosophy

What services do we offer?

The right home loan for your needs

Google Reviews

Jennifer Yazmadjian

Ceri McCarthy

Zaku Zeon

Kieran Hannigan

Karen Rattray

madison Norup

night mundua

Dylan Robinson

Chris Armstrong

Beatrice Doru

Matt Butler

R D

Caleb James Sheffield

Paraic OCeallaigh

Nerissa Langdon

Amit Batra

Rhianna Burns

J Jacinto

Carmen Cilliers

Marie Christel Yan

Mahal Plays

Amanda Payne

Rheo Sherrick

Cepty