Luke Camilleri

Need a Home Loan? Speak to Luke, your local expert!

With over 23 years of dedicated expertise in the mortgage broking industry, Luke has been committed to guiding clients through the complexities of home financing with personalised attention and tailored solutions. Whether you're a first-time homebuyer or looking to refinance, Luke's extensive knowledge and steadfast commitment ensure a smooth, transparent, and stress-free experience.

Book in for a chat to see how Luke can assist you in achieving your home ownership dreams.

Call Us Mortgage Choice Altona
Office - 0411 401 028

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

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Help you find the loan, which best suits your needs, including:

Applying for your first home loan
Refinancing your existing loan
Upgrading your next home loan
Building your property portfolio and applying for an investment loan

Luke has the latest home loan products with a panel of over 20 banks and lenders, he has access to a huge variety of home loan products and we will explain the differences between products and answer all your questions.

As a fully-fledged financial services provider, Luke can also assist you with car loans, personal loans and asset finance.

Convenience:

Luke understands you live a busy life, so he make things easy for you, by doing all the legwork:

Meet with you at a time and place, convenient to you.
Find the home loan, which best suits your needs.
Take care of the whole loan application process, all the way through to settlement.

Be also your mortgage broker for life by:

Answering any questions you may have, after your loan has settled.
Review your home loan to make sure, the product you have chosen is still suitable.
Assist you when your financial circumstance change.

Experience:

Luke has been representing Mortgage Choice since 2001. He has extensive knowledge gained from his many years of experience. Jess joined the business in January 2018 and is learning the business from the ground up.

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.

Need to get a home loan?

Phone Luke today on 0411 401 028 or book a chat below.

Start your home loan journey today

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

Great service, friendly and efficient We were first home buyers and Luke was nothing but helpful and explained everything as we went.

Thomas
25 January 2025

Luke was so great helping us to buy our first home. He really went above and beyond through a busy time of the year, we felt very supported through the whole process

Matt
17 January 2025

Ive worked with Luke to acquire a mortgage for two homes over several years and I highly recommend him as a mortgage broker. Incredibly professional, knowledgeable and efficient. As a sole trader it can be a challenge to get a loan and Luke was able to negotiate my options clearly and effectively. Im now living interstate and Luke was able to help me remotely and I would definitely work with him again in the future if the need arises.

Anna
16 January 2025

Luke is so helpful and understanding. He walked me through everything. He was so supportive as I purchased my 1st home. Highly recommended

Kassie
08 January 2025

Best in the business. On top of everything from the get-go and an all-round great guy to deal with. Look no further, you've just found your forever broker

Harrison
10 December 2024

Our family has been receiving amazing professional service from Mortgage Choice across two decades. A fantastic company have at only a phone call away, with above and beyond personal performances from Luke, Jess and Vince over the many years.

Highly recommend..

Marc
29 November 2024

Luke was super helpful, kind and responsive when we purchased our first home He make sure we understood what was happening at each step and was always happy to answer our questions. Highly recommend

Janelle
07 November 2024

Luke expertly guided us through the process of buying our first home and helped us feel empowered to make the right decisions. Approachable, knowledgeable and very thorough - thank you for making a daunting and complex process super easy

Natasha
01 October 2024

Very grateful for Luke's support in purchasing my first home. Luke made the process easy and was able to answer all my questions. I will recommend Luke to family and friends. Thanks

Sarah
02 September 2024

Luke was amazing to work with Made the purchase of my first property so easy and took the weight off my shoulders by making sure I was informed on everything. Hes super friendly, speedy and ontop of everything Would definitely recommend to friends, family and anyone whos after a Mortgage broker.

Blue
08 August 2024

Appointment checklist

This checklist can help you prepare for your upcoming appointment and get you ready to start your home buying journey.

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You could borrow up to

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/ month
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Based on standard variable rate over years.

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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.