Matt Stammers & Jocelyn Bennett Mortgage Brokers in Cockburn Central

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Call: 0405 771 411

As dedicated mortgage brokers with a passion for helping people, the team at Mortgage Choice South Lake receive a high number of referrals from existing customers.

Their clients benefit from their expertise and extensive experience in the banking and finance industry. They also offer a comprehensive knowledge of the local real estate market and the economic development of the community.

Call Us Mortgage Choice Mount Pleasant
Office - 0405 771 411

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

Address

G7, 19 Ogilvie Road MOUNT PLEASANT, WA 6153

Latest home loan interest rates

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Start your home loan journey today

What is your borrowing power?

When you're ready to purchase your property, it's important to have a good understanding of how much you can borrow. We know that learning about how much you can borrow for a property can be a bit daunting, which is why we have some great resources at your disposal.

Why not check out our easy-to-use home loan calculators here or get in touch with Matt to discuss your unique situation.

Ready to kickstart your journey to home ownership?

We’ll assist you along the way and do all the legwork for you! Call us today on 0405 771 411

A little more information about our service

Offering efficient, prompt service combined with a client-focused approach, Matt and Jocelyn research your options and negotiate with lenders on your behalf, for a positive borrowing experience without the stress.

They offer a flexible, mobile mortgage broking service across Perth and the surrounding areas.

Services

Working with integrity and drive, the team at Mortgage Choice Cockburn Central will help you access a smart finance solution that’s structured to meet your current and future needs.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
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)

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

Very happy to recommend Jocelyn. She made the process so easy, was very patient, and I'm happy with the result of my move to another loan provider.

Tori
21 November 2024

Matt worked with us throughout the process, providing top rate advice and wonderful service. Highly recommend working with Matt and his team. They're very easy to work with, take away the pressure of a house loan and very punctual.

Carys
02 November 2024

Highly recommend Matt, he made the process very easy for us and kept in contact throughout. We will definitely be using him again in the future.

Sam
02 November 2024

Many complex corners turned in securing our very first home. Thanks to Matt and the team for finding a solution with every curve ball thrown Will not be forgotten

Renae
23 October 2024

Top man. I didn't know anything about this all and Matt and his team were always on call to answer any questions and help me understand what was going on and kept me ahead of the housing game.
Cheers Matt.

Jeal
03 October 2024

Matt from Mortgage Choice provided us with exceptional service on our loan. He made the entire process a breeze and kept us informed every step of the way. We were impressed with his prompt responses to our queries and willingness to provide additional information whenever we needed it. We are grateful for the top-notch service and highly recommend.

Ashleigh
30 September 2024

Matt was very helpful and informative, he takes the time needed to explain the process step by step. Very reliable in responding and overall allowed for a stress free process.

justin
26 August 2024

A massive thank you to Matt and the team.
The whole process was made so simple for me by their genuine kindness and professionalism.
I couldn't be happier.

Chris
04 August 2024

Issues with moving to ME lender, happily assist us with changing lenders again.

Katherine
24 July 2024

A fantastic, honest and customer-focussed team. Jocelyn in particular was great. We found her to be responsive and supportive of any question asked, as well as gently giving us the required nudges when paperwork fell off our radar.
We've been using Mortgage Choice for a number of years now through both rate negotiations and the purchase of a new family home and we look forward reaching out to Jocelyn for our mortgage needs for many years to come. Matt and Tiff

Matt
16 July 2024

Very happy to recommend Jocelyn. She made the process so easy, was very patient, and I'm happy with the result of my move to another loan provider.

Tori
21 November 2024

Highly recommend Matt, he made the process very easy for us and kept in contact throughout. We will definitely be using him again in the future.

Sam
02 November 2024

Matt worked with us throughout the process, providing top rate advice and wonderful service. Highly recommend working with Matt and his team. They're very easy to work with, take away the pressure of a house loan and very punctual.

Carys
02 November 2024

Many complex corners turned in securing our very first home. Thanks to Matt and the team for finding a solution with every curve ball thrown Will not be forgotten

Renae
23 October 2024

Top man. I didn't know anything about this all and Matt and his team were always on call to answer any questions and help me understand what was going on and kept me ahead of the housing game.
Cheers Matt.

Jeal
04 October 2024

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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You could borrow up to

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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.

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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.

Matt Stammers & Jocelyn Bennett Mortgage Brokers in Cockburn Central