Mila Cross

Mila Cross - Mortgage Broker Hillarys, Landsdale, Yanchep & surrounding suburbs

Call 0437 220 497

Your local Mortgage Broker & Finance Expert in Hillarys, Landsdale & surrounds, Mila Cross can help you purchase your first home, an investment property or upgrading the family home.

Contact Mila this week to discuss your situation
0437 220 497
Mila.Cross@mortgagechoice.com.au

Call Us Mortgage Choice Kingsway
Office - 0437 220 497

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

Address

PO Box 18 KINGSWAY, WA 6065

Latest home loan interest rates

Starting from

p.a.

Comparison rate

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Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

Our top 5 lowest interest rates available

Fixed rates
Variable rates

Lender

Interest Rate*

Comparison Rate

Lender

Interest Rate*

Comparison Rate

Credit criteria, conditions, fees and charges apply. Subject to suitability. The comparison rates in this table are based on a loan amount of $150,000 and a term of 25 years. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

Start your home loan journey today

How can Mila Cross Mortgage Broker help you?

As your Mortgage Broker in Perth, Mila Cross will compare hundreds of highly competitive home loan options from a wide choice of lenders, including the big banks.

Our job is to make it easier for you by preparing the paperwork, lodging the application and following up with the lender for you as your loan progresses to settlement.

We can also help you with commercial loans, car loans, personal loans, asset ﬁnance, general insurance and credit cards.

It means as your mortgage broker, we only recommend the loan that’s right for you. We have no incentive to recommend a loan or lender because it pays a higher commission.

Reach out to our team this week!

Contact Mila Cross on 0437 220 497 or Mila.Cross@mortgagechoice.com.au to discuss your next step.

Mortgage Choice - Mila Cross

can help you with:

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Landsdale, Hillarys, yanchep 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 or get in touch with me to discuss your unique circumstances.

Free Home Loan Resources

Are you looking for more information? We can help! We have free home loan resources which are packed full of information about the home loan process and the pros and cons. Check them out below!

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

Mila helped us to secure better rate for our home loan. Great service and efficient Also responded so quickly with any queries etc. Will use Mila again in future -

27 June 2025

Helpful every step of the way even when questions we ask have nothing to do with her services. Highly recommend.

Alexander
02 June 2025

I can't rate MC and Mila in particular highly enough. She provided me with absolute confidence the whole way through the process of securing the loan, applying for all the relevant grants and programs, and ensured I was kept in the loop during the entirety of the process. She also answered my questions at every turn, which I asked a lot of.
If you need a broker who will give you confidence and provide first-class service, MC and Mila specifically are your choice

Tim
30 May 2025

Mila has been fantastic helping us with our mortgage. So helpful answering all of our questions and keeping us up to date with every step. We cant thank you enough.

Caris
22 April 2025

Really listened and helped us understand how to get what we really needed

Trista
14 April 2025

Mila is an absolute blessing in this world. Someone who is passionate but also so good at what she does. I am grateful for all the help and knowledge she has shared. To empower people along the way and be so caring, I'm very grateful.

Kelly
20 March 2025

Nothing but praise for Mila. We have enjoyed working with Mila to refinance our mortgage. She always replies promptly even after COB when you don't expect an answer, she will check in and provide updates regularly on the process and has gone above and beyond our expectations. We would happily use Mila's services again in the future.

Emily
13 March 2025

This is the second time I've used Mila as my mortgage broker, and once again, she didnt disappoint From my initial enquiry about buying and selling to the settlement of my new property, she made the entire process seamless.

Milas knowledge and experience were invaluableshe secured an amazing deal with a great bank and kept me informed every step of the way.

Thanks again, Milayou rock

Travis
26 February 2025

As a first time home buyer, Mila has been a wonderful help along the whole process.
She made the daunting process a whole lot simpler for me, and each question I had, she immediately had an answer for.

It is with massive thanks to her and her help that I write this from my new home.
I highly recommend Mila as she is very friendly and incredibly polite.

Stephen
20 February 2025

If you are looking for a first mortgage or are wanting to refinance an existing mortgage you absolutely cant go wrong with Mila Cross.

When we reached out to her in the last quarter of 2024 we had our fingers crossed as it had been well over 20 years and a couple of refinances since we had used a mortgage consultant.

Mila did not disappoint. She listened to our requirements, was highly professional, p... read more

Susan
08 February 2025

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

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.

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Over

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Your monthly repayments
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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.

Value of property

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Total fees:

Breakdown	Amount
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Transfer fee
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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.

Click here for more information on the WA First home Owner Grant.