
Mortgage Brokers & Home loan experts in Whitehorse, Nunawading, Forest Hill, Blackburn & Surrounds

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Call Us
Mortgage Choice Vermont
- Office - 0400 013 196
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Open Hours
Mortgage Choice Vermont
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Monday - Friday: 9:00am - 5:00pm
After hours by appointment - Free Appointment
PO Box 248 VERMONT, VIC 3133
-
Call Us
Mortgage Choice Vermont
- Office - 0400 013 196
-
Open Hours
Mortgage Choice Vermont
- By appointment only
- Free Appointment
15 Market Street NUNAWADING, VIC 3131

Start your home loan journey today
Our team of Mortgage Brokers in Melbourne will always go the extra mile.
If you are looking to purchase a house or refinance your loan, let our team of mortgage brokers across Melbourne help you find a home loan. We understand the process can be a time-consuming one, and that’s why our team aim to make it as simple as possible.
We pride ourselves on superior service every step of the way. This means understanding your personal circumstances and requirements to help you secure a home loan that fits your lifestyle and budget.
Meet our Mortgage Brokers
Mortgage Broker Lilydale and the Yarra Valley
Peter Vaughan
Mortgage Broker Williamstown and Caroline Springs
Peter Rose
Mortgage Broker Nunawading, Box Hill & Yarra Valley
William Sargeant
Mortgage Broker - Chirnside Park & Ringwood
Stephen Nicholls
Mortgage Broker - Blackburn & Forest Hill
Stuart Thompson
Why choose us?
As your mortgage brokers, we will remove the time, hassle and confusion that often come with finding a home loan.
Our job is to:
- Understand and analyse your personal home loan requirements
- Filter through the hundreds of home loan options on the market
- Find the one(s) that most suit your individual circumstances
- Work through the entire application process alongside you - right through until settlement.
- Be available long-term to help you reassess your home loan as and when your circumstances change.
What’s the benefit of using a Mortgage Choice broker in Melbourne over any other Mortgage Broker?
Experience & knowledge
Assessing the benefits and costs of various home loan options and structures is not as simple as just looking at interest rates. The terms, fees, structures and payment plans can vary a great deal, impacting the overall cost of a mortgage.
Our team of mortgage brokers, Peter V, Stuart, Stephen, Peter R and Michael, are experienced and knowledgeable specialists. We understand the subtle differences between different home loan options and could help save you thousands of dollars in loan costs.
Superior service
We take the task of finding a suitable home loan for each of our customers very seriously. Every customer is very much treated as an individual.
We give you support every step of the way - from considering product options and putting together your application right through to settlement and beyond.
Convenience
We can come to you. We realise that when you are trying to buy a property, you are extra busy and time is precious. So, we are happy to meet with you after hours or at a time and place that is convenient for you.
Ready to kickstart your journey to home ownership? Give one of our mortgage brokers a call today.
We also service the following areas: Lilydale, Yarra Valley, Caroline Springs, Williamstown, Chirnside Park, Ringwood, Box Hill, Box Hill North and South, Blackburn, Blackburn North and South, Mont Albert North, Nunawading, Forest Hill, Vermont and Vermont South.
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
Peter and Vicki are great. They make the process so easy, provide excellent advice and great support. Highly recommend Peter to support you through the mortgage maze
jason
08 August 2024
Great service - would highly recommend. Peter and his team stepped us through each activity we needed to perform to ensure it was as simple for us as possible - great work
Courtenay
08 August 2024
Peter is an amazing broker who believes in providing a great customer service. He takes his time to analyse each individual's circumstances, and explaining the options available for customers to secure their dream home. He goes above and beyond to negotiate the best interest rates with multiple banks on his clients behalf, and does his best to get banks to meet short term settlements. If you're in ne... read more
Aaron
05 March 2025
Excellent service.
Darrin
23 January 2025
Peter and his team have assisted me through two loans now since my very first home years ago. They've always been a pleasure to deal with, ensuring all my queries or needs were addressed. He manages to make the entire process a breeze and stress-free, which I'm extremely grateful for. Would not hesitate to go with him again for any future loans, and recommend him to anyone who's after phenomenal service Thanks Pete
Darryl
15 January 2025
Peter and Vicki were great throughout the whole process, would highly recommend.
Jaxon
18 December 2024
Peter was great to work with and was always willing and able to answer any questions throughout the entire process. I would highly recommend Peter's services.
Renee
29 November 2024
Peter and Vicki were so helpful in looking for the best loan for me to refinance to. It was seamless and easy to understand. Always a great outcome working with them
Jacqui
15 November 2024
Peter and Vicki made the whole process of buying our first home so effortless. My partner and I could no recommend them enough
Isaac
09 September 2024
I have been dealing with Peter for nearly 8 years now, and every time he has been able to come up with a solution for us. Highly recommend Peter Vicki to anyone looking at their home loans.
Robert
28 August 2024
Peter and Vicki are great. They make the process so easy, provide excellent advice and great support. Highly recommend Peter to support you through the mortgage maze
jason
08 August 2024
Great service - would highly recommend. Peter and his team stepped us through each activity we needed to perform to ensure it was as simple for us as possible - great work
Courtenay
08 August 2024
Peter is an amazing broker who believes in providing a great customer service. He takes his time to analyse each individual's circumstances, and explaining the options available for customers to secure their dream home. He goes above and beyond to negotiate the best interest rates with multiple banks on his clients behalf, and does his best to get banks to meet short term settlements. If you're in ne... read more
Aaron
05 March 2025
Excellent service.
Darrin
23 January 2025
Peter and his team have assisted me through two loans now since my very first home years ago. They've always been a pleasure to deal with, ensuring all my queries or needs were addressed. He manages to make the entire process a breeze and stress-free, which I'm extremely grateful for. Would not hesitate to go with him again for any future loans, and recommend him to anyone who's after phenomenal service Thanks Pete
Darryl
15 January 2025
Peter and Vicki were great throughout the whole process, would highly recommend.
Jaxon
18 December 2024
Peter was great to work with and was always willing and able to answer any questions throughout the entire process. I would highly recommend Peter's services.
Renee
29 November 2024
Peter and Vicki were so helpful in looking for the best loan for me to refinance to. It was seamless and easy to understand. Always a great outcome working with them
Jacqui
15 November 2024
Peter and Vicki made the whole process of buying our first home so effortless. My partner and I could no recommend them enough
Isaac
09 September 2024
I have been dealing with Peter for nearly 8 years now, and every time he has been able to come up with a solution for us. Highly recommend Peter Vicki to anyone looking at their home loans.
Robert
28 August 2024
Peter and Vicki are great. They make the process so easy, provide excellent advice and great support. Highly recommend Peter to support you through the mortgage maze
jason
08 August 2024
Great service - would highly recommend. Peter and his team stepped us through each activity we needed to perform to ensure it was as simple for us as possible - great work
Courtenay
08 August 2024
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Need help with your next home purchase?
Talk to a brokerExtra 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
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