Mortgage broker & home loan expert | Scarborough, Karrinyup, Osborne Park, Watermans Bay, Innaloo and surrounds& surrounds

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Call Julia, business owner on 0410 349 7720r my email: julia.blacker@mortgagechoice.com.au, very happy to assist you.

Getting a home loan can be confusing and somewhat daunting. Our home loan service includes finding you the right home loan from our wide range of lenders and helping you through the process to settlement.

Call Us Mortgage Choice Ellenbrook
Office - 0410 349 772
Fax - 08 9296 7867

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

The home loan experts, Julia and James in Scarborough & Karrinyup are ready to help.

Call Julia on 0410 349 772, I was a bank manager and I would love to assist you...julia.blacker@mortgagechoice.com.au.

There are thousands of home loans on the market right now. How do you know which one to choose? Finding the right home loan can be daunting. The Mortgage Choice team in Scarborough help take the hard work out of the shopping around by doing all the research for you, and helping you through the process.

Our range of home loan lenders

Going directly to your lender can mean that you only have access to a limited range of home loans, some of which may not suit you.

At Mortgage Choice, we have a wide range of home loan lenders, including all the big banks and some specialist lenders, to make sure we can find you the right one.

We look through the various rates, features and loan structures available and find the product that's going to benefit you most - which could save you money in the long run.

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.

We do all the paperwork & follow up

After finding you the right home loan, our team help you put together all the documents needed, complete the paperwork on your behalf and submit to the lender for approval.

We then answer any questions from the lender on your behalf and make sure the loan is progressing smoothly to pre-approval and settlement.

We know the market and the process

Husband and wife team, Julia & James know the home loan market and processes well, making sure they get you the right home loan that suits your life.

They also have the experience behind them to ensure the best chance at getting your home loan approved.

Julia worked as a bank manager for many years and knows both sides of the application process - from the lenders perspective as well as the customer's.

Find out more about what our clients have to say.

Your needs are unique

Your needs are unique so we take the time to understand what’s important to you and what you want from your home loan. You might want a guarantor loan, multiple offset accounts or even a portable home loan to take with you when you move. There's lots of great features available to help make your loan feel tailored to your life.

We are a mobile team

Our team are mobile and happy to meet at a time and place that suits you. We would love to help you get started in the process of buying your first or next property.

Call us and book an appointment today on 08 6296 7218 or click on the Contact Us button at the top of the page.

We can help you with

Home loans

Investment loans

First home loans

Personal loans

Car loans & buying

Equipment finance

Business finance

Insurance

and more

Home loan resources

Use our home loan calculators

Watch our simple home loan videos

Read our finance & property blog

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 have been using Julia James for years for our mortgage needs. We are continually impressed with their efficiency, professionalism and approachability. We will continue to recommend them to anyone looking for a broker. Thanks again, Jules

K
23 December 2024

I recently had the pleasure of working with Julia Blacker from Mortgage Choice and was thoroughly impressed with the service I received. From the outset, Julia was highly professional, knowledgeable, and incredibly responsive.

Julia took the time to understand my financial situation and home refinancing goals, ensuring that I was matched with the best possible mortgage option. Julia's clear communic... read more

Tammy
06 November 2024

Julia is an exceptional mortgage broker who truly went above and beyond to support us in our journey to owning our first home. From the moment we reached out to her, she displayed unparalleled professionalism and expertise. Julia displayed genuine care and commitment and took the time to understand our unique situation, tailoring her approach to meet our specific needs.
I wholeheartedly recommend Julia to anyone in need of a reliable and trustworthy mortgage broker.

Thank you for your support

Em
16 March 2024

Julia demonstrated exceptional acumen in handling our multifaceted mortgage application, leading to its remarkably expeditious approval. Her diligent communication practices assuaged any concerns and contributed to a stress-free journey. Her contributions have been invaluable, and we eagerly anticipate the commencement of our new chapter as homeowners. Highly recommended

Shane
16 March 2024

Julia made the whole process very easy, stress free and was excellent at keeping in contact. Thank you Julia.

Dean
19 February 2024

If there were more stars I would click on them.

I have known Julia for close to 20 years and she has assisted me, on multiple occasions, through what would otherwise have been the most trying of processes - gaining finance for a mortgage

I have my own business and, as such, getting a mortgage the first, second and third time including loans for the business premises was never going to be easy.

But... read more

Mitch
08 February 2024

I highly recommend Julia She helped me to refinance and I saved heaps. She's really helpful and the whole process was easy peasy.

Michelly
15 May 2023

I cannot recommend Julia more highly. She got us an excellent deal on our mortgage and was able to give us valuable advice. She was also very friendly and took the time to understand our needs and cater to them. I would particularly recommend her for Australians working overseas looking to get a mortgage approved.

Lian
05 August 2022

I engaged Julia's services from Hong Kong for a complex mortgage application. Throughout the process, Julia was knowledgeable, understanding and worked hard to get our mortgage approved. No other broker that we approached was able to do this. During the process, her advice saved me considerable time and helped me to avoid unnecessary fees. I would recommend Julia without hesitation she really went above and beyond.

Sean
05 August 2022

Made getting my first home a really easy process.

Dont
02 August 2022

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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.

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

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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.

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