Welcome to Mortgage Choice Cairnlea | Your local Mortgage Broker & Finance Experts in Cairnlea, Caroline Springs & surrounds

Call: 03 9363 3333

Looking for a Home Loan, Car Loan, Personal Loan or Commercial Loan? Talk to Nandini Varma, your local expert Mortgage Choice broker who has over 20 years of Banking and Finance experience. Let us research and compare over 35 lenders for you.

Call Us Mortgage Choice Cairnlea
Office - 03 9363 3333

Open Hours Mortgage Choice Cairnlea
Mon - Fri: 9 am - 5:30 pm
After Hours: By appointment
Free Appointment

Address

Suite 7E, 1st Floor, Cairnlea Commercial Centre, 100 Furlong Road CAIRNLEA, VIC 3023

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

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

Start your home loan journey today

Providing expert mortgage support to my customers for over 20 years!

Keen to buy your first home? Are you interested in building an investment property portfolio for your future? Or perhaps you're interested in getting a loan through your self-managed super fund in order to buy property.

At Mortgage Choice in Carinlea, we can help you with property loans, commercial loans, car loans, equipment finance and more.

Did you know we don’t just help you with home loans? Talk to us about:

Personal loans
Car loans
Equipment finance
Business loans
Commercial loans.

Talk to us

We'd love to find out more about your property ownership goals and to help you achieve them.

You can rely on me and my team. We will guide you through the home loan process and to find a loan to suit your lifestyle needs.

Finalist, AMA Broker of the Year (2011) - Insurance (Loan Protection and Life) It was gratifying to be recognised in the 2011 Australian Mortgage Awards for my passion for helping clients and their loved ones with insurance solutions.

Recognition as "Every Day Hero " in Annual Conference 2017 by Mortgage Choice.

How we make a difference

I'm a 'can do' professional with a strong belief that service is personal. My role is to make things simple for you, so you can focus on doing what you love ! It's why I go the extra mile for my clients.

Better still, 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 your broker may charge a fee, which would be discussed with you before proceeding. We're your mortgage broking team for the Brimbank-Melton area of Melbourne.

We recognise that the home loan market is complex and sophisticated, and our core purpose is to get you a home loan in a simple and convenient manner for you.

We've been helping people from all walks of life with different kinds of lifestyle and financial needs. 20 years of experience goes into everything I do for you.

We help first home buyers, investors and customers looking to 'health check' or refinance an existing loan when their circumstances change.

We also love finding solutions to complex loan scenarios – such as family equity loans, interest only loans, lending to trusts and businesses.

When we find a home loan to suit you, it's like having over 20 lenders competing for your business!

Whether it's your first home or investment property or you're wishing to relocate to another area or wanting to look at refinancing options for your existing loan, we're here to help.

Buying your first property

It's commonly believed that you need a large deposit to buy your first home or investment property.

Did you know that, depending on your circumstances, a deposit as low as 5% could be enough to get your foot in the door?

Let's talk about making your first property purchase stress-free and enjoyable.

Finding you loan protection insurance, life insurance and more

Through our relationship with Australian Life Insurance, we can help with:

loan protection insurance
life insurance
general insurance.

How we can help you

Analyse and understand your home loan needs
Review your financial and property ownership goals - find you a suitable home loan from over 20 banks and lenders
Manage the entire home loan application process, keeping you informed at every step - assist you with the home loan paperwork process from start to finish
Stay in touch with you from when you enquire about a loan, apply for your loan through to settlement and beyond
Working with you, for life
And supporting you when your circumstances change.

Areas I service

I cover Melbourne's western suburbs: Ardeer, Sunshine, Braybrook, St Albans, Albanvale, Kings Park, Deer Park, Deer Park North & East, Cairnlea, Burnside, Burnside Heights, Caroline Springs, Rockbank, Plumpton, Melton, Ravenhall, Tarneit, Truganina, Taylors Hill, Hillside, Delahey, Sydenham, Watergardens, Taylors Lakes, Kealba, Keilor Downs, Keilor Downs Lodge, Keilor Lodge and the rest of Australia through requests and referrals.

Let's get started

Give us a call on 03 9363 3333 or 0418 166 866 or use the ‘Contact Us’ link at the top of the page to set up a time to meet. We can meet in our new Cairnlea offices or we can come to you. We look forward to meeting you.

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

My Loan application with Mortgage Choice , Nandini Varma was Fantastic.She is excellent at keep posting me on timely manner. My Loan application proceeded from one Stage to another Stage in a extremely very Swift way, as Nandini was diligent in helping me throughout the process. Overall Excellent service, I had great experience, hence I'm happy with the service I got. If someone is looking for E... read more

Abraha
24 June 2025

We were referred to Nandini by a family member - and honestly, it felt like striking gold. From our very first conversation, Nandini impressed us with her deep knowledge, professionalism, and unwavering commitment to securing the best outcome for us. She took the time to understand our financial goals and tailored her advice with clarity and care.

Thanks to her diligence and strategic thinking, weve... read more

Steven
12 June 2025

Excellent service, very friendly and supportive. Understand our need and provide solutions accordingly. Would recommend to anyone everyone to reachout to Nandini for their Mortgage requirements.

Tushar
22 May 2025

Nandini has been the most helpful mortgage broker
She has helped me buy my first property 15 years ago
Just about to settle on another property
Nandini had also help various friends and family members over the years
Always ready to help and answer questions
Thank you Nandini for your patience and time

Simone
17 February 2025

We were referred to Nandini by a close friend. We contacted her and in hopes to get her assistance and she got back to us right away. Nandini and her team's response rate and quality of service was phenomenal. She and her team has checklists ready to expedite the process of us finding a home and they also provided us with essential tips and tricks to land a good first home. She was always available... read more

Noree
05 January 2025

As a first home buyer I was a overwhelmed by the mortgage application process but Nandini provided excellent guidance and advice every step of the way and made the process smoother and less stressful.

Brendan
19 December 2024

Nandini is not only a thorough broker who goes the extra mile, but she is also an amazing and caring person. She has been by my side every step of the way and never gave up. She is persistant and will go out of her way to help you. She's prompt, returns calls and emails. She's definitely the broker of choice We are nearly there Nandini Thanks for all of your AMAZING help. So blessed to have found you

Michelle
18 December 2024

My husband and I have used Nandini at Mortgage Choice for all our financial needs for over 10 years now. We trust her experience and expertise in providing us with the best possible solution to whatever we approach her with to better ourselves

Thankyou so much Nandini for always going above and beyond to ensure we are always looked after
We highly recommend you to all our family and friends ?

Karen
16 May 2024

Nandini has been our choice of broker for many years and has helped us with multiple investment properties and loans. She is highly recommended. Don't hesitate to contact her. She always goes above and beyond to get the results. 5 stars from me.

John
15 March 2024

Nandini and her team at Mortgage Choice - Cairnlea always go above and beyond to help their clients. From our first home from construction to hand over, to now refinancing our loan. Nandini is always so lovely to deal with. She is prompt when it comes to answering our queries, she offers advice when needed and always updates us, both through emails and phone calls. She has made it stress free process for us to sort out our finances. Thank you so much for all your help

Hazel
14 November 2023

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

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

PAYG Self Employed

My monthly income before tax

Rental income

My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

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

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.

State / Territorial Revenue Web Sites

View