Your local mortgage brokers and loan experts in Thornlie, Southern River & Piara Waters

Call: 0414 756 049

For over 17 years, our Mortgage Choice team in Thornlie have been helping the local community reach their financial & property goals. We'll help to guide you through the home loan process while finding you the right home loan from our panel of over 25 lenders.

Call Us Mortgage Choice Canning Vale
Office - 0414 756 049

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

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.

Life is short. Let us do the work for you.

We started this Mortgage Choice business over 17 years ago, and we're more passionate than ever about saving our customers the time & energy that goes into finding the right home loan.

Choosing the right home loan could mean a great low interest rate and features to support you getting the loan paid off quickly. The problem is, there are more lenders than ever on the market making it even more difficult to find the right one. That's where our team in Thornleigh and Gosnells can help.

We will sit down with you to figure out what you're after and go through your numbers with you.
Our team will sort through our range of home loans and lenders to find the right fit for you.
We will then complete the application paperwork and submit to the lender, answering any questions they have about your application on your behalf.
Our team will follow up with your lender to ensure that your application is moving through to settlement.
We'll even remind you when it's time to review and perhaps refinance your loan to a lower interest rate or better features.

We have over 25 lenders available

Going straight to your bank will only give you access to a limited range of home loans, which may not fit you or your purchase. It's also doesn't give you the opportunity to shop around for the lowest rate. It's just one of the reasons so many Australians choose to use a mortgage broker!

At Mortgage Choice with have a wide range of over 25 lenders - including the big banks and some specialist lenders - to give you access to quality lenders with great loans. We review our full range of available home loans to see what would fit you best! We will then negotiate with the lender on your behalf, so you don't have to. Find out more about our home loan service.

What sets Mortgage Choice apart?

There are some fantastic reasons to use a mortgage broker, including the fact that 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 have gone to Lance & Gina many times. The service is great and very helpful. I would go to them in the future and have advised family & friends to do the same." (Margaret, Gosnells)

Could you save on your loan?

More than home loans

Our team are proud to be able to offer more than just great home loan advice. We can help you with your car loan, financial plan, business & equipment finance, first home buyer incentives & grants, budgeting and much more! We have worked hard to be your local finance expert team in Thornlie & Gosnells, and believe in offering a wide range of services outside of just your home loan.

We're ready to help

If you're ready to purchase your next home, car or business - even if you're still in the planning stages - our Mortgage Choice team in Thornlie and Gosnells would love to help.

Contact us today for a no obligation chat on 08 9259 4488 or click on the Speak to us button to book a call back.

_{^{Our team service the areas of Thornlie, Gosnells, Harrisdale, Armadale, Byford, Kelmscott, Southern River, Maddington and surrounds.}}

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

These guys provide a great service. I've used them for my past 3 mortgages, and one re-mortgage. They make everything easy, find great rates and are always there for advice.

Bill
12 August 2024

Josh helped my partner and I through the process of buying our first home. He was very thorough and helpful throughout the whole process. Always happy to pick up my calls texts at all times to answer any of the many questions I had throughout the buying process which was a huge help and relieved many of our home buying anxieties.
Would highly recommend Josh and Mortgage Choice Canning Vale. Cheers guys

charlie
09 June 2024

Lance the team have gone above and beyond to provide us with the best service possible with the best outcome. We appreciate everything you have done will forever recommend you to anyone looking for mortgage support. Thank you.

Jessie
14 February 2024

Thank you Josh and Gina for helping us refinance and finally get ahead Not only did you team help us, you found an issue we didnt even know about, which was a big deal. Informative, thorough, professional and helpful. We will without a doubt use your services again and we highly recommend your services to our family and friends. Gavin and Storm

Storm
06 December 2023

From the very first phone call with Lance to the last appointment with Gina, the mortgage choice team have been amazing I am so grateful for the time they took to educate me on the different options available for my refinancing process. Their efficiency and timely responses ensured that the whole process took less than 6 weeks to complete. They also helped me with other outstanding debt which has l... read more

Alice
13 October 2023

Lance and Gina at Mortgage Choice Canning vale are hounds down the best As first home buyers we were super overwhelmed but these guys made buying a home a breeze They took all the stress out of the process for us and were very attentive Super grateful for all their help and we couldnt recommend a better financial broker.

22 January 2023

A friend in the industry recommended these guys to us. She said Lance knows his stuff She wasnt wrong.
After our first meeting to assess our finances Lance told us to go and find a house. That was actually the hard bit When we finally found something the mortgage choice team were incredibly efficient and helpful throughout the whole process. And as clueless first homebuyers thats very reassuring.
T... read more

Laura
05 July 2022

My Testimony I approached Gina and Lance with the ambition to buy my first house within 6 months and they confidently shook my hand and said Lets Do IT Gina and Lance were with me every step of the way, from deciding a budget to signing contracts, they answered all of my questions throughout the entire process of obtaining my home loan. They were professional, efficient and an absolute pleasure to... read more

Alanah
18 June 2022

Mortgage Choice went up and beyond in the organisation and execution of buying my new home. Would recommend to anyone wanting a stress free home loan.
Josh Michael was very professional, knowledgeable and punctual.
Thanks Mortgage Choice

adam
18 June 2022

Lance and Gina helped me purchase my first home, couldn't be happier with their advise and assistance through the whole process

Jacquelin
18 June 2022

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.