Local Mortgage Choice Brokers in Boronia, Ferntree Gully, the Yarra Valley and across Victoria

Call: 0403 778 668

Why settle for a one-size-fits-all approach to your home loan? Our Mortgage Choice team in Boronia & Ferntree Gully make finding a tailored home loan, simple. We’ll do the legwork, comparing over 35 lenders to match you with the best option for your needs. With us, it’s not just about getting a loan - it’s about getting the right one.

Book an appointment

Call Us Mortgage Choice The Basin
Office - 0403 778 668

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

Mobile Broker

Servicing Boronia, Ferntree Gully, The Basin & surrounding suburbs. We come to you!

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

Advice you can count on

Shopping for a home loan doesn’t have to be hard work. Sure, going straight to your bank might seem convenient, but it limits your options - and likely your outcomes. Instead, let Dean and the team at Mortgage Choice in Boronia & Ferntree Gully do the heavy lifting! We’ll make the process seamless, stress-free and tailored to you.

Why choose us?

More choice, better outcomes: At Mortgage Choice in Boronia, we're big believers in the power of choice when it comes to your home loan. We're accredited with over 35 lenders - big and small - meaning we have thousands of options at our fingertips. We'll find the right one.

With you every step of the way: We’re here to walk you through the home loan process step by step, making it straightforward and stress-free. We take care of all the little details, so you can enjoy buying your next property.

Here for the life of your loan: Your needs will change, as will the loan options available - and we'll be here to adjust your loan as they do. Whatever the next step looks like, our support doesn't end at settlement.

We don’t charge to find the right loan

As Mortgage Choice Brokers, we don't charge to find you the right home loan. Instead, the bank pays us when your loan settles with them. In some limited circumstances, we may charge a fee, but this would be discussed with you before proceeding. We love that every Australian has access to expert advice on their home loan, without having to worry about how much it costs.

We're ready to get started

Ready to take the next step on your property journey? We are! Our team of Mortgage Brokers service the areas of Boronia, Ferntree Gully, Yarra Valley and right across Victoria. To make it easy, we can chat by phone, video or in person.

Call: 0403 778 668 Book an appointment

Hear from our clients:

See more client reviews

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

Dean is truly professional. He provided us with outstanding service, clear and smooth communication, a keen eye for detail, a range of great financing options, and high responsiveness. Highly recommended

Zaher
14 November 2024

My partner and I had an excellent experience working with Dean from Mortgage Choice Dean made the entire mortgage process smooth and stress-free. His expertise and understanding of the market were clear from the start, and he took the time to explain every detail, making sure we understood all my options. Dean was always responsive and went above and beyond to get the best outcome for our family, to w... read more

Maranda
29 October 2024

Myself and my partner cannot thank dean from mortgage choice enough for his constant hard work and non stop support on any questions we had looking to buy our first home. Any inquiry or misunderstanding anything to do with the process and loan he was always very quick to help us to understand 100 of what we needed to do or organise leading up to buying a house . Anyone looking to go through this proc... read more

James
29 October 2024

We have used Dean a few times over the past few years and would highly recommend him. Nothing is to hard for Dean to achieve and is lovely to work with.
Sue John

Sue
15 September 2024

Dean was great to work with. He helped me to get a loan for my investment property and he helped me a few years later with getting a better interest rate when my fixed term loan ended.

Luke
06 August 2024

Dean was amazing to deal with. Quick to respond to any questions we had along the way and helped us settle promptly and hassle free. I highly recommend Dean for any finance needs.

The
31 July 2024

Dean was incredible start to finish. Fantastic communication and knowledge. Couldnt recommend higher

HK
29 July 2024

Dean made our home buying experience quick and stress free. He was able to find us a good home loan and walk us through all the steps to buying our first home. Highly recommend.

Patrick
17 November 2023

Excellent service and communication throughout.

Chris
31 October 2023

Absolutely fantastic Mortgage Broker to have with me through the entire process of applying for a loan, until settlement. Dean was efficient, knowledgeable, prompt and provided outstanding communication. He was patient with me as I asked questions, and was professional throughout. Dean applied for the loan twice over as the property settlement was delayed for over a year, and I appreciate that Dean s... read more

Elissa
31 August 2023

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

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

PAYG Self Employed

My monthly income before tax

Rental income

My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

You could borrow up to

Repayments
/ month
Expenses
Remaining

Based on standard variable rate over years.

Start the pre-approval process

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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

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.

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 $176,650 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.

Click here for more information on the WA First home Owner Grant.