Your local Mortgage Broker helping you to find the right loan in Narre Warren, Berwick, Officer, Beaconsfield, Upper Beaconsfield & surrounds

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Call: 0415 432 313

Manisha is a friendly and knowledgeable mortgage broker dedicated to assisting her customers with all their home loan needs. She offers her clients astute lending advice backed by a sound knowledge of loan products and policies.

“I work hard for my clients to ensure they get a competitive loan option that matches their goals and circumstances,” she says.

She offers a mobile service throughout Melbourne and surrounds.

Call Us Mortgage Choice Narre Warren
Office - 0415 432 313

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

Address

Suite 347, Level 2/66 Victor Cres, Narre Warren VIC 3805

Latest home loan interest rates

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Services

Whether you’re seeking a home loan, investment loan or restructuring your finances, Manisha’s primary objective is to ensure you access the most competitive loan option that matches your goals and circumstances.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Reverse mortgages (Referred to third party)
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)
SMSF loans
Loan protection insurance
Building/construction loans

Other areas I service

As a mortgage broker who loves to see her clients succeed, Manisha strives to bring clarity and transparency to your borrowing journey. She’s always on hand with informed advice, to answer questions, and to keep you updated on progress.

Based in Narre Warren, Manisha offers a fully mobile service throughout Melbourne and its surrounding areas.

We can also help you with

Fixed vs variable loans

Fixed and variable loans each have their benefits and pitfalls, and the right choice will depend on your circumstances. While fixed-rate loans give you budget certainty, variable loans offer more flexibility and often more features. To find out more, book an obligation-free appointment to speak with Manisha 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

Manisha was fantastic She guided us through the entire home loan process and made everything super simple. I really appreciate her help and highly recommend her Once again Thanks Manisha

Sukhwinder
23 March 2025

Manisha was fantastic to work with She made the mortgage process smooth, answered all my questions, and found the best loan for me. Highly recommend her to anyone buying a home

Shubhankar
04 March 2025

We would like to say our big thanks to Manisha for helping us with our home loan. She is very helpful and supportive throughout the process. She provides helpful and sound advice. She has a very reassuring and positive attitude. She is always reachable and promptly responds to our questions and concerns. We are really thankful for the amazing service and support we received from start to finish. Tha... read more

Michael
03 February 2025

Manisha has been an absolute pleasure to deal with over the last few years. She helped me with a refinance a few years back and then again recently with the purchase of my next home. She worked hard to get me the best possible outcome for my situation and was always friendly and approachable which made the process easy. Thanks Manisha for everything

31 January 2025

Manisha was amazing through the whole process of my home loan. Lovely lady and great service. Highly recommend her to help with your home loan needs.

Jacqui
30 January 2025

Fantastic Broker Very easy to get along with and had no trouble at all Highly recommended

Brooke
20 March 2023

Manisha has been an absolute gem of a person that has assisted our family in the journey towards getting a home. When I started out, I did have a chat around various brokers. I never felt the kind of comfort and assurance that I received from Manisha from anyone else. I am so glad that Manishas contact details popped up on my screen. Right from initial engagement to settlement was straightforward and smooth. Thank you Manisha for all your help. Have a wonderful year ahead.

Arun
10 January 2023

Thank you Manisha for all the hard work you put into getting me and my husband a home loan just in time for Christmas You are hands down the best broker going around, you really put in the time and effort into your work and it showed by making sure we understood everything in great detail, you always picked up the phone to let us know the next steps and was always only one call away when we needed a... read more

Maryanne
21 December 2022

Manisha has been lovely to deal with for someone with no experience in getting a home loan and home and helped me reach my goal without making it complicated

Tristan
21 October 2022

Manisha, is professional and understand the needs very well. She is approachable discuss what we are looking for.

Brijesh
06 October 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

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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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You could borrow up to

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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.