Your local Bayside area home loan experts. We understand our customers as we're locals too.

Call: 0431 040 996

Across Bayside, from Brighton to Bentleigh, Bentleigh East, Hampton, Moorabbin, McKinnon, Ormond, Sandringham and Heatherton, and everywhere in between, we've got you covered. Mortgage Choice in Bayside are your local home loan and financial experts.

Call Us Mortgage Choice Cheltenham
Office - 0431 040 996

Open Hours Mortgage Choice Cheltenham
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
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At Mortgage Choice in the Bayside area, we understand our local community, because we're part of it.

Our team of home loan experts live, work and play in the Bayside area and love nothing more than helping their community with all their home loan, car loan and business financial needs.

We've helped hundreds of local Bayside residents get the best deal on their home loan. Our friendly team to help make your dreams come true.

Why choose Andrew Van Eede and the Mortgage Choice Bayside team?

Our focus in on you, our client. We do all we can to help make applying for finance easy, right from the start, and we do what is best for you, not what is best for the bank. We listen to your situation and needs and then offer you various solutions that suit your requirements.

Right loan for you. The only thing that matters to us is the home loan that’s right for you.
Wide choice. We can compare hundreds of highly competitive home loan options from a wide choice of lenders, including the big banks.
Less stress. We make it easier for you by preparing the paperwork, lodging the application and following up with the lender for you as your loan progresses to settlement.
No charge. There is no charge to you for our home loan service because the lender pays us after your loan settles.
Range of products. We can also help you with commercial loans, car loans, personal loans, asset ﬁnance, general insurance and credit cards.

"We have used a number of mortgage brokers over the years and would recommend all of them. Andrew Van Eede is the best of our mortgage brokers doing all the hard investigative work behind the scene in order to win us the best mortgage deals and chasing up the lenders in order to expedite to closure. We cannot recommend Andrew highly enough." J.MacLeod

What do I have to do when applying for a home loan?

It is all about choice!

At Mortgage Choice in the Bayside area, we build lifelong relationships with our valued customers in our local community. We service all of Brighton, Hampton, Sandringham, Moorabbin, Bentleigh, Ormond, McKinnon, Heatherton and all across Melbourne's Bayside area.

Our team of local brokers have access to hundreds of home loan options from over 20 leading banks and lenders and offer you a no charge to you home loan service.

We offer professional advice for a wide range of requirements, such as:

First home buyer finance;
New home finance;
Property investment loans;
Home loan refinancing;
Fixed, variable and interest only home loan packages;
Debt consolidation;
Commercial finance;
Personal and car loans

We're here to help!

So whether you're a first home buyer, upgrading to your next home, getting into property investment, or wanting to refinance your existing loan, the team of local Bayside area home loan experts can help you make the right move. We'll be here for you at every stage of the process.

Contact us today at 0431 040 996 for your free appointment.

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

Andrew was amazing to deal through the whole process. He was able to source a better rate and save me about 100 a week on my current mortgage. Fast and efficient and always provided regardless updates. Highly recommended

SAM
01 November 2024

From start to finish Andrew was fantastic. He made the process of refinancing a breeze and was able to find a great deal for us,
thanks so much Andrew

Tom
12 March 2024

Andrew helped my son buy his first home and me with my refinance. He was the best broker we have ever dealt with.

Carmela
09 February 2024

Andrew helped us with the purchase of first investment property. He was knowledgeable about the local market and set us up with a great interest rate. The process was surprisingly smooth. I have already referred him to my friends. Thanks Andrew.

Nicola
09 February 2024

Thanks Andy felt great confidence in you. You helped me and my wife through the process and mate it easy and painless. Thanks

Mark
08 February 2024

Fantastic service. Knows the products. Pleasure to deal with.

Andrew
08 February 2024

Andrew has helped our family with 2 mortgages and we are grateful for his work. He was patient and took time to explain the process. As a result of his expertise and hard work through a complicated process he has saved us many thousands of dollars. I have no hesitation in recommending Andrew to anyone. Thank you Andrew

Marco
07 February 2024

Throughout the refinancing process, Andrew has been so helpful and supportive. He has handled any questions quickly and provided me with sound advice. I am so appreciative of his professional manner and advice and would absolutely recommend him to anyone looking to refinance.

Sarah
03 January 2023

Andrew was extremely helpful. The new bank wanted so much information, so the process took a long time. But Andrew was patient and helpful throughout. Even happy to come to my home to sign documents etc . Even took calls after hours and on weekends. Couldnt be happier. This is the 2nd time Ive used his services. And also found great cash back deals. I couldnt done it all on my own. THANK YOU Andrew

cathy
14 June 2022

Refinancing guide

If you’re thinking about refinancing, this guide can help you learn more about the refinancing process, benefits and options available.

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.

From 09 May 2024, if you buy a home costing up to $450,000, no stamp duty is payable at all. If the value of your home is between $450,000 and $600,000, you’ll be entitled to a reduced rate of stamp duty.

There are no additional concessions for homes valued above $600,000 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.