Philip Meilak Mortgage Broker in Altona Meadows, Altona, Williamstown and Surrounds

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Call: 0466 945 092

With 25 years’ experience, Philip is a finance and lending expert who enjoys building strong customer relationships and seeing his clients succeed. He takes a strategic, forward-looking approach when arranging loans, carefully assessing each client’s present circumstance and how this might change in the years ahead, to find a solution that will lead to long-term success.

He is based in Melbourne’s Western Suburbs and offers a mobile service across the metro area.

Call Us Mortgage Choice Altona Meadows
Office - 0466 945 092

Open Hours Mortgage Choice Altona Meadows
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
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Servicing Altona, Altona Meadows, Williamstown & surrounds

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Services

Specialising in home loans, asset and vehicle finance, and commercial lending, Philip can help you secure a loan solution to support your ongoing financial wellbeing.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
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)
SMSF loans
Loan protection insurance
Building/construction loans

Other areas I service

Award-winning mortgage broker Philip Meilak understands that your needs are unique. Thorough and customer-focused, he’ll identify finance options that are structured to align with your current goals, with the flexibility to adapt as your needs change in the future.

He is based in Melbourne’s Western Suburbs and offers a mobile service across the metropolitan area.

What is your borrowing power?

When you're getting ready to purchase your property, it's important to have a good understanding of how much you can borrow. We know that finding out how much you can borrow for a home loan can be a bit confusing, which is why we do all the legwork for you.

Feel free to check out our easy to use property calculators or get in touch with Philip Meilak on 0466945092 to discuss your unique situation.

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

Philip has been the most professional, supportive and hard working person to work with on finding a suitable home loan for us. He made us feel comfortable throughout the whole process, answered all our questions and was fantastic at communicating each step of the way. I highly recommend Philip to anyone choosing a broker. Thank you Philip

Chloe
23 October 2024

we had a excellent experience with Philip, he is always ready to help and cleared our questions straight away, always available when we need any help and have complete knowledge of home loan banking, we will definitely recommend Philip to friends and family

Dinesh
12 November 2022

Philip was always available and kept up excellent communication throughout the whole process which took several months to complete. This was excellent customer service the whole way through.

David
10 October 2022

Phil was a thoroughly knowledgeable advisor who constantly communicated with me throughout the entire refinancing process. For future finance I will always return to him for sound advice and assistance. Thank you so much Phil and Smartline for your invaluable support securing my loan.

Elisabeth
26 July 2022

Amazing to deal with & did everything he possibly could to ensure the loan process went smoothly. I would highly recommend Philip to my friends & family.

Cheyne
12 July 2022

I have given Philip number to family and friends
Daughter use Philip and brought a car with hus help

Dean
23 June 2022

Philip Meilak's customer service an professionalism was exceptional throughout the entire process, from the initial over the phone enquiry on a weekend to the day of settlement. Understanding how stressful this process can be and is, Philip was always available to provide advice, expertise and reassurance.
Philip provided us with a loan that best suited our needs. I have recommended Philip to other friends/colleagues. Thank you, regards Rob and Ella - Sunbury

Roberto
06 June 2022

Philip has been amazing through the process of us finding the right house and loan, we never thought we would be in our own home/property and Philip helped us reach this point.
His professional and personal understanding was so easing and helpful, always had answers to our questions and always looked after us.
I couldn't be more grateful and happy with who we got to know and work with through out our journey into becoming home owners.
Highly recommend Philip.

Samantha
30 March 2022

Phil was incredible, he assisted us in finding the right loan, made the whole experience easy and he was was always there to answer our questions. Absolute pleasure to deal with and will highly recommend his service to family and friends.

Maja
06 March 2022

I have already recommended Philip to my family and friends. He couldn't have been more helpful.

Mehmet
10 February 2022

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.

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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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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.

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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.