Mortgage Brokers & Home Loan Experts across Melbourne.

Call: 0400 999 963

Get expert advice on your home and business loan options - including Ethical Lending & Green Home Loan options. We can take the pain away from you of trying to find the best home loan - whether it is buying your first home; upsizing ...or simply Refinancing for better rates ! Here is what one of our happy customers had to say about us:

" Dharma was a fantastic mortgage broker. Literally could not have had a better experience. He was open from the beginning, laid out what I could get by refinancing up front, was able to achieve this on a limited time frame. He was very quick to get back to me with updates and letting me know in relation to any delays. 10 /10 would absolutely go with Dharma again when I go to refinance in the future. "

Jason G
26 July 2022

Call Us Mortgage Choice Melbourne
Office - 0400 999 963

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Get a home loan expert in your corner

There are so many decisions to make when choosing a home loan. That's why it's important to have a team of experts in your corner, so you can choose the right one.

The Mortgage Broker Team in Narre Warren and Greater Melbourne Area offer a personalised service to help find a lender and home loan that fits you, not the other way around. We'll then complete the paperwork and follow-up for you to make the process as hassle-free as possible.

We find out what you want

The Mortgage Broker Team in Narre Warren and Greater Melbourne Area will sit down with you to ask about you - your finances, your budget & your ideal property. We will then put together some key numbers for you like your borrowing power, fees and repayments. Our team will help you balance what you want to borrow with what you can comfortably afford to repay.

We do all the research for you

To find the best deal on your home loan, it's important to do the proper research. The Mortgage Broker Team in Narre Warren and Greater Melbourne area will do all the research for you from over 30 lenders - including all the big banks. Our experience means we know where to look and which lenders to ask, to find you a great deal.

In line with the United Nations Sustainable Development Goals (SDGs) for environment management and sustainability, we can aslo help our clients to do their part for the enviroment by exploring Green Home loan options.

We don’t charge to find the right loan for you

We are paid by the lender once your loan settles. In some limited circumstances your broker may charge a fee, which would be discussed with you before proceeding.

Chat to our expert team

The Mortgage Broker team in Narre Warren and Greater Melbourne Area are committed to understanding your needs and doing all the required research and paperwork to match you to a great home loan.

Call us on 0400 999 963 or click on one of the buttons below. Our team are bilingual and can help you in both English and French.

_{The Mortgage Broker Narre Warren team services the suburbs of Endeavour Hills, Hallam, Narre Warren North, Narre Warren South, Berwick, Beaconsfield, Beaconsfield Uppper, Officer, Pakenham, Hampton Park, Clyde, Koo Wee Rup & surrounding areas throughout Melbourne.}

How much can you borrow?

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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

We were very happy with the service friendly staff and easy to work with

Paul
30 September 2024

Dharma is a honest and genuine mortgage broker with a high attention to detail. He's a clear communicator and always puts his clients first. If you're looking for someone to do your loan, I highly reccomend Dharma.

Matthew
22 August 2024

I cannot express enough how grateful my wife and I are for the exceptional service we received from Dharma at Mortgage Choice. From start to finish, Dharma was nothing short of amazing in helping us secure both land and build loans.

From our first interaction, it was clear that Dharma is incredibly thorough and professional. He took the time to understand our unique situation and financial goals,... read more

Sheikh
17 July 2024

Dharma was brilliant. As this was our first home we were new to this process. Dharma was supportive and educated us through the whole process, even taking time to talk to me at odd hours to keep my mind at ease
We are so greatful you Dharma
10010 will recommend you to all our family and friends

Skooba
12 July 2024

Dharma was very helpful and supportive during my loan application .

Babes
12 May 2024

It's my second house and I both chose Dharma for the process. I am even surprised at how quickly he responses and how closely he follows up. He let me know every important steps and saves me lots of money. I am usually the kind of person who shop around but I didn't hesitate to let me know when I need the second loan. He is trustworthy and good at finding the most suitable deal to you. He is such a pleasure to deal with that I hope I can get my third property sooner.

08 March 2024

Went above and beyond from day 1 to help us understand what was happening, get everything sorted for us and dealt as the middle man between us and the lender so all we really had to do was supply required documents, read and sign paperwork. Took the stress out of a lot of situations for us

Chrissy
29 February 2024

Dharma is fantastic to work with, he has the ability to leverage his broker networks to get more done for you than you can achieve on your own directly with the banks. I would strongly recommend him to anyone getting residential finance or enquirying as to their capability to do so.

Russ
03 January 2024

Dharma was extremely professional with great expertise and high regard for his clients interests and is genuine and honest with his expert advice.

Couldnt have been lucky with a better mortgage broker.

Youll be in great hands, give Dharma a go.
Couldnt have been happier with our first home purchase and home loan.

Majok
04 December 2023

Dharma was very diligent in finding us the right loan and took the time to go through all our needs. He use a good structure system to assess the different options. Very happy with the ourcome of my loan refinance.

janeven
28 August 2023

Property Ownership

This guide outlines the essential steps to achieving property ownership, starting from the first appointment with a mortgage broker all the way to settlement.

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You could borrow up to

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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.

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