Your local Mortgage Choice home loan experts in The Perth Hills, Bullsbrook,Ellenbrook, Jane Brook, Mundaring, Kalamunda, High Wycombe & surrounds

Call 0421 131 104

Please call Julia, business owner, on 0410 349 772 or email: julia.blacker@mortgagechoice.com.au, very happy to assist.

At Mortgage Choice, we take the time to understand what you need from your home loan and finances. We go above and beyond to find the right home loan for you from our panel of over 30 lenders. Julia is an ex bank manager and has been with Mortgage Choice for over 16 years with a wealth of knowlwdge.

Give us a call today to get started! Julia 0410 349 772, Jim 0421 131 104

Call Us Mortgage Choice Ellenbrook
Office - 0421 131 104
Fax - 08 9296 7867

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

Address

PO Box 2223 ELLENBROOK, WA 6069

Latest home loan interest rates

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Comparison rate

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

Start your home loan journey today

We make getting your home loan easy

The home loan process can sometimes be tricky. And that's why we love helping our clients by making the home loan process as stress free and easy as possible. We go the extra mile to make sure you settle with the minimum amount of paperwork and stress. Leave the stress to us!

See more of our client reviews here.

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 we may charge a fee, which would be discussed with you before proceeding.

So, let's get started!

We have a fantastic team and an excellent reputation in the local Ellenbrook area, and we look forward to helping you.

We offer a mobile service (home or work) to make even more convenient for you to get started. We service the areas of Ellenbrook, Caversham, Dayton, Jane Brook, Mundaring and surrounds.
We are here to help you find the right home loan.

Call us today on 0410 349 772 Julia Blacker or click on the Contact us button at the top of the page.

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Ellenbrook and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with Julia Blacker 0410 349 772, julia.blacker@mortgagechoice.com.au... to discuss your unique circumstances.

Ready to kickstart your journey to home ownership?

We’ll assist you along the way and do all the legwork for you! Call Julia Blacker today on 0410 349 772 or James on 0421 131 104

We go above and beyond to make the home loan process easy

Your choice of home loan can be as important as the property itself and with the right one, you can enjoy your home a little bit more.

That's where Mortgage Choice comes in. With over 20 years experience, we know that finding the right home loan is important, but it can also be complicated. Many people spend hours researching home loans online or go straight to their bank and still don't know which one to choose.

Our team from Mortgage Choice in the Ellenbrook, Jane Brook, Mundaring, Kalamunda & High Wycombe areas are here to help you find the right home loan. Combined we have over 25 years experience within the industry.

We have a panel of over 30 lenders, with hundreds of home loan and investment loan products all with different rates and features. Whether you are looking for your first home loan, an investment loan or to refinance your current home loan, we can find you the right one.

We are your advocates with the banks

The Mortgage Choice team has lots of experience with lenders and the home loan process.

The owner of Mortgage Choice in the Ellenbrook and the Hills area, Julia, was a bank manager with NAB so I know the ins and outs of the process! 0410 349 772.

Our job as your home loan support team is to be your advocates with your chosen lender, doing the paperwork and follow up to make sure that your home loan is going through. And if you have any problems at all, the experts at Mortgage Choice are here to help.

We can help you with

Home loans

Investment loans

Refinancing your current loan

Debt consolidation

Upgrading to your next home

Car Loans

Personal loans

Risk/Income Insurance

General insurances

Business lending

Equipment finance

and more

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

I have now used Melissa's services twice to refinance. She is very professional and managed to get me a much better rate than I could find anywhere online. I will be contacting her again when I refinance in the future.

Thomas
13 October 2024

100 recommend Melissa as a Mortgage broker. This is our 2nd time and we wouldn't go through anyone else. Always efficient, really friendly, easy to talk to and we have never had any dramas.

tracey
07 October 2024

Mel was extremely helpful, and her communication was excellent.
I would definitely recommend using Melissa.

Marc
28 November 2023

Throughout the refinancing process Melissa has been professional, attentive and provided us with great service. Its been a pleasure to go through the process with Melissa

matthew
28 November 2023

Melissa was just amazing. She attended to all our needs including my 1000's of emails a day. Buying a house was nerve racking, but Melissa was there to walk me through it step by step and keep my nerves calm. Her personal care, attention to detail and communicating was absolutely ourstanding. I highly recommend her.
Thank you for all you have done for us.

Juanita
15 August 2023

Melissa Clarke is the best
Very professional, efficient, approachable and knows how to translate the technical stuff to our understanding.

CG
21 July 2023

Extremely happy with the help both Melissa and James provided us and answered all questions or queries promptly,

Matt
21 July 2023

Melissa is friendly, professional, efficient keeps in constant contact throughout the whole process. We have recommended Melissa to a number of our family friends who have also found her to be very helpful. We highly recommend Melissa will definitely be utilising her assistance expertise again in the future.

Yvette
02 July 2023

Melissa has be amazing. She went through all options with us and has been available to answer all our questions along the way. She worked behind the scenes to find the best solution for our financial situation. And kept us updated of changes as they came up. Melissa is professional and courteous, and very approachable, we thoroughly recommend her as a mortgage broker.

Naomi
22 June 2023

Working with Melissa made the process of securing our home loan easy.
She provided us with all the information we needed, answered all our questions at anytime in the day and night.
We are glad to have Melissa as our Mortgage Broker. She is approachable and always available to discuss our home loan.

Alana
07 June 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

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2nd applicant monthly rental income before tax

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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.

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Over

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

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Your monthly repayments
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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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Total fees:

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Transfer fee
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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.

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