Our award-winning Mortgage Broking team based in Canterbury services Camberwell, Glen Iris, Hawthorn & Greater Melbourne.

Call: 03 9813 3522

We are here throughout your property journey. From purchasing your first home to building your property portfolio, our goal is simple:
To help you make educated financial choices for a better life.

Call Us Mortgage Choice Canterbury
Office - 03 9813 3522
Fax - 03 9813 3544

Open Hours Mortgage Choice Canterbury
Mon - Fri 8am - 6pm
Sat - 9am - 12pm
After hours by appointment. We can help via phone, video or in-person.
Free Appointment

Address

59 Canterbury Road CANTERBURY, VIC 3126

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Start your home loan journey today

Welcome to Mortgage Choice in Camberwell & Canterbury

Mortgage Choice in Camberwell & Canterbury has been helping the local community with their home loans & finances for over 15 years. Our team of mortgage brokers & home loan experts specialise in helping people find the right home loan with the features and benefits they need.

Our free home loan service

Finding a home loan with the right features at the right rate, can be daunting. Our free home loan service means that we'll do all the work for you, and make the process as easy as possible. We do all the research and negotiate with your lender to get you the best deal.

We do the research for you from over 35 lenders;
We do all the paperwork and put together your application;
We negotiate with the banks & do the follow-up on your behalf;
We talk you through each step of the process to settlement.
We review your loan when it's time to see if you could save.

We have over 35 lenders on our panel

We all know that a wide range is the key to finding the right deal - and the same is true for your home loan! At Mortgage Choice in Camberwell & Canterbury, we have over 35 lenders on our panel, giving you access to thousands of home loans at once.

We don't just let any lender on our panel either. They have to be the best at what they do and have a great range of home loan products and rates available for our clients.

Get started with us today

Helping people with their home loans is what we love to do! Contact our team at Mortgage Choice in Camberwell & Canterbury to chat about your next move via phone, video or in person at our office located at 57 Canterbury Rd, Canterbury 3126 .

Call 03 9813 3522 Request a call

^{The Mortgage Broker Camberwell team service the areas of Camberwell, Canterbury, Glen Iris, Balwyn, Hawthorn, Richmond, Deepdene, Mont Albert, Surrey Hills & surrounding Melbourne.}

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Camberwell, Canterbury, Glen Iris & Hawthorn and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here free home loan calculators here or get in touch with us to discuss your unique circumstances.

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

Michael, Carol and Kavita at mortgage choice were fantastic to deal with. They guided us every step of the way and made the whole process stress free. Highly recommended

Vanessa
03 June 2025

Michael and the team at mortgage choice were fantastic to deal with. The process was seamless and we could not have asked for better customer service and support during the whole process

Nick
03 June 2025

I cant thank Michael enough for all the time and effort he put into helping me secure my first home loan. The process took longer than expected on my end, but Michael was supportive every step of the way and was always available to answer any questions I had

I Would highly recommend Michael and the rest of the team

Connor
20 May 2025

The whole team were so helpful with all my requests and nothing was to hard even with many challenges put in front of them and a special shout out to Thomas I cannot recommend him enough so professional and I was never left wondering what was going on such a pleasure to work with
Thank Tim

Tim
17 May 2025

Thank you to Michael, Carol and Kavita for assisting us with the purchase of our first home. Their invaluable assistance made a daunting process feel far easier and smoother than we originally expected. We particularly appreciated their incredibly responsive communications, flexibility and consummate professionalism. I'd highly recommend Michael's team to anyone looking for a broker, and especially those starting their first home journey.

Luke
08 May 2025

Great service, communication and transparency. Absolutely recommend.

Andrew
17 April 2025

Michael Carol were very professional and helpful for us through out our mortgage application. They were very comprehensive in providing us the required information as well as responsive to our queries. We felt that we were in good hands. Highly recommended.

Quan
15 April 2025

Geoff and the team were very helpful. Found us a great option for our refinance. Loved the online portal for collecting our information. It was so smooth and easy. I highly recommend them.

Michele
11 April 2025

Thank you Michael Wren Kavita for assisting us with our first home loan. The process was so much easier because of you guys, we appreciate your professionalism. We were able to secure a great deal with a great bank. Michael Kavita kept us up to date every step of the way. Thank you so much

Ashleigh
03 April 2025

Working with Matt Tom was a great experience. They made the process smooth, answered any question I had and helped me navigate the best approach for what suited me. I highly recommend them for their professionalism, clear communication and for being great people. Thanks again guys

Leyton
26 March 2025

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.

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2nd applicant monthly rental income before tax

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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

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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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Our award-winning Mortgage Broking team based in Canterbury services Camberwell, Glen Iris, Hawthorn & Greater Melbourne.

Canterbury

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