Expert Mortgage Broker in Scarborough and Doubleview

Call: 08 9287 1030

Looking for a home loan? Talk to Mark and the team, your local Mortgage Choice broker servicing, Wembley Scarborough, Innaloo, Sorrento, Doubleview and surrounds

Call Us Mortgage Choice Wembley
Office - 08 9287 1030
Fax - 08 9287 1040

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

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Start your home loan journey today

Mark – Is your local mortgage broker specialising in home loans, car loans and personal loans, servicing Wembley, Scarborough, Innaloo, Sorrento, Doubleview and Churchlands and surrounds.

Mark and the team are here to help you reach your property goals. With the assistance of the experienced team at Mortgage Choice, they will work with you to help you make the right choice on those important financial decisions now and in the future

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.

Whether you are a:

First home buyer
Wanting to refinance your current home loan
Looking for a construction or buildingloan
Searching for a car or equipment loan
An investor

At Mortgage Choice the team get great pleasure in being your life long home loan experts and providing exceptional customer service.

Mark, and the team at Mortgage Choice Wembley will stay in contact beyond the life of your loan to ensure that if your circumstances change, they can assist with finding another option to suit your needs.

Are you wondering....

Should I fix or split my home loan or choose a variable rate?
How long will it take to pay my loan off?
Which lender offers the lowest fees and lowest home loan rates?
Can I consolidate my debt?

At Mortgage Choice Mark can help you answer those important questions as they determine which home loan is the right fit for you.

The team can also assist you with:

Equipment Loans
Commercial Loans

Ring today on (08) 9287 1030 or 0412886621 and one of the team will meet and discuss all your home or car loan and/or other financial needs. They know you are busy and therefore will always meet at a place and time that suits you.

Alternatively you can email: mark.wilkins@mortgagechoice.com.au, or click on the Contact Us link at the top of this page.

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

Mark and his team @ MC Wembley has helped me with 3 properties and construction loans over the past few years. I have been through many 5 loan brokering companies over the past decade and this team, by far, is very professional, accurate and has been very prompt in their communications.
The team I dealt with were seasoned property traders so they know the ins and outs of the property process and all t... read more

Kai
18 July 2020

The team at Mortgage Choice - Wembley were a pleasure to work with. They went above and beyond to help us achieve our goals of building our first home. They have also helped us with our future financial plans. We will be recommending to friends and family.

Justine and Ryan
24 September 2019

Mark helped us get a great refinancing deal. Very courteous and professional - patiently following us up for outstanding information - great experience, and would highly recommend him!

Mark & Penelope
12 March 2019

Very helpful and professional. Excellent communication and prompt action.

Kohulan
24 January 2018

I have been a client of Mark's and his team for a number of years and the service has always simply sensational. It is characterised by a high level of integrity and professionalism, before, during and after when the work has been completed. Communication is always clear, timely and thoughtful about all aspects of my circumstances, as they have changed. I strongly recommend this service.

Gerry
16 December 2017

We wanted to thank you for all the hard work you put in with our mortgage.
You really did exceeded our expectations in the level of attention you gave us.
We had so many questions! and you were always there for us on the other end of the phone, or in person to clarify anything we needed. We would definitely recommend you to others.
All the best,

Alys and Andy

Alys and Andy
16 December 2017

Fantastic friendly service, always happy to provide us with options on how to proceed and very quick to respond. All in all they made getting the settlement a very exciting process.

Kirby and Timothy
16 December 2017

Mark and his team simplify the process and make buying a house seem easy. Have worked with them before and would work with the again.

Saran and Massimiliano
16 December 2017

We can't thank you enough for your patience understanding & outstanding advice. We look forward to doing business again in the future

Alastair, Carrie & family
16 December 2017

Mark was great to work with in both the process of initial getting a home loan, and a subsequent refinancing. Always relaxed and open with all the information, and responds much more quickly than the banks

David
19 July 2016

Property Ownership

This guide outlines the essential steps to achieving property ownership, starting from the first appointment with a mortgage broker all the way to settlement.

Download now

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You could borrow up to

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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.