Your Home Loan Expert in Dandenong, Vermont, Glen Waverley and surrounding areas since 2001

Call: 03 9803 3040

Looking for a home loan? Talk to James Bunning, your local Mortgage Choice broker from Dandenong, VIC. Let us research and compare over 30 lenders for you.

Call Us Mortgage Choice Vermont South
Office - 03 9803 3040
Fax - 03 9802 5050

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

Mobile Broker

Servicing Dandenong, Noble Park, Keysborough & surrounds

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Start your home loan journey today

Welcome to Mortgage Choice Dandenong, Vermont, Glen Waverley, Keysborough and Clayton Sth.

Our experienced team will help you find a great home loan for your circumstances. We'll even do all the leg work on your behalf - from application to settlement.

Call the Mortgage Choice team today on 9803 3040 for a no-obligation chat about how we can help you.

Your needs and plans are very important to us

We work with you to help you turn your ideas into reality. With so many lenders and loan types available, choosing a loan can be confusing.

But having the right loan is important no matter whether you're a first home buyer, upgrading, refinancing or purchasing an investment property.

Let us help you find your way through the home loan maze

We have access to hundreds of loans from over 20 lenders on our panel, including the big banks and speciality lenders. We will research and compare loans from our lenders to make sure we find the right one for you.

In essence, my job is to find suitable loan products for your needs, then let you make the final choice.

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.

Contact us today!

Call us today on 9803 3040 for a no-obligation chat about how we can help you to achieve your goals.

Our Goal in 2024:

Our goal is to save up to $50,000 in repayments for our clients. This is what we have saved 38 of our clients in the first half of this year!

Now we are in the new financial year we would love to continue to look after our exisiting clients and yourself by hopefully getting you on a better rate through our pricing tool.

Be apart of our Goal!

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

Exceptional service from James and Teresa in processing and securing our loans. They provided us with great advice and took the time to explain our options and the processes. They handled every aspect of the application, making it an easy and seamless process from start to finish. We could not be happier with the service and professionalism they offered. Thank you

K
25 November 2024

James and Teresa were fantastic, throughout the entire process they were very support and helped us achieve our first home, Being a first home buyer they took time out of there day to ensure we had a smooth process. I couldnt recommend them enough,

A special thanks to Teresa, being so supportive with contacting and problem solving on our behalf, and James being very patient and helpful too,

Amazing team.

jacob
28 October 2024

Amazing service by James and Teresa. Really lovely people and will be working with them long into the future. A

lamith
01 October 2024

James and Teresa are a dream team They are extremely knowledgeable and prompt from day one till the very end of the process. They responded to countless queries and requests. Nothing is impossible for these guys and they go above and beyond to tailor a solution for our financial needs. We highly recommend them - Easily 1010

Eric
06 September 2024

My partner and I have recently purchased our first home together and we really do owe James and Teresa a HUGE thank you for their time, their expertise, and the kindness they showed towards us. Buying a house is always a big deal, I really did feel way out of my depth BUT James and Teresa made this process so much better than I could ever imagine. They were extremely prompt with their responses, I ha... read more

Jordan
30 August 2024

James and Teresa are amazing to deal with and have helped me get my first home loan with ease. Highly recommended.

Bahadur
05 April 2024

James and Teresa were absolute superstars, handling our loans. They kept us informed all the way with emails, SMS and calls and responded quickly and professionally to all our queries. We highly recommend them for your finance and re-finance needs

Gary
20 February 2024

James and Teresa did an amazing job going above and beyond to help us secure a loan for our first home and I cant thank them enough for all the help and time they took to ensure everything went through smoothly despite a very short settlement

Emily
15 February 2024

James and Teresa were fantastic in helping us through a refinance. Right from choosing the right loan for us to keeping us up to date with settlement. Can't thank them enough.
Nigel Bruce-Smith

Nigel
12 February 2024

James and Teresa have been assisting me for 20 plus years with either refinancing and a recent new purchase home loan. They always offer me amazing customer service and timely advice. I highly recommend them for any home loan you may require.

Samantha
05 September 2023

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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.