Mortgage Choice Cheltenham: Melbourne's leading Mortgage Brokers & Home Loan Experts

Call: 0423 720 340

At Mortgage Choice Cheltenham, our dedicated team prioritises your unique goals. We streamline the home loan process, ensuring a seamless experience by matching your objectives with a suitable loan from our panel of over 35 lenders.

Let us help your achieve your home ownership dreams with a tailored strategy designed just for you. Contact us today to get started.

Call Us Mortgage Choice Cheltenham
Office - 0423 720 340
Fax - 03 8610 0365

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

Address

Suite 106/33 Ambrose Avenue CHELTENHAM, VIC 3192

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Welcome to Mortgage Choice Cheltenham.

Your Local Home Loan Experts.

Our team offer an experience where everything is simplified for you.

We are committed to guiding you every step of the way, ensuring that the journey to securing your dream home is smooth and stress-free.

With access to thousands of loan options from over 30 leading banks and lenders, we don’t just find you any loan—we find the loan that’s perfect for your unique situation. We know that every client has different needs, so we tailor our lender recommendations to fit your specific goals.

We can help you with:

Home Loans
Refinancing
Debt Consolidation
Construction Loans
Investment Loans
Asset Finance
SMSF
and more ...

Book a Free 15min Discovery Call with one of our brokers.

Shaun Curtis

Rhys Elmi

David Ross

Stephen Forrester

Do Some Of Your Own Research - Click on the Mortgage Calculators Link:

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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

Stephen has assisted us with a refinancing and with a new home purchase - we have been super impressed with his attention to detail and timeliness with all matters relating to the loan approval process through to settlement. We also really appreciated his patience and willingness to share advice and wisdom. Highly recommend

Josh
25 March 2025

Thanks Shaun and Paul you have been amazing I couldn't recommend you any higher

J
04 March 2025

Cant recommend Stephen Forrester highly enough My family has worked with him on multiple occasions and he has always been so wonderful to deal with. Hes so knowledgeable and very generous with his time. Hes always happy to chat to clarify any questions and to help guide the process to make sure everything runs smoothly and efficiently. Thank you Stephen, really appreciate all your efforts.

Monika
18 February 2025

5-Star Experience with Mortgage Choice

I had the pleasure of working with Shaun for my mortgage, and I can honestly say it was a fantastic experience from start to finish. From our very first conversation, Shaun was incredibly knowledgeable, patient, and thorough in explaining every step of the process. They took the time to understand my specific needs and helped me navigate all the available option... read more

craig
25 January 2025

Shaun is fantastic We have engaged his services for 2 mortgages countless interest rate reductions over 15 years. He is very generous with his time, always gets the best deal does all the hard work so you don't have to. Highly recommend

David
25 January 2025

Brilliant. Had the pleasure of dealing with Rhys Elmi and David Ross. Happily, answered all of my questions in ways we could understand and provided us with the best possible options saving us money on LMI. Highly recommend to anyone going through the process.

Justin
23 January 2025

As a first-time home buyer with no prior knowledge of the process, Rhys guided me every step of the wayfrom the initial stages to the moment my offer was accepted. He was always responsive, no matter the time of day, making the whole experience seamless and stress-free. I couldnt recommend him more highly

Thomas
28 December 2024

Rhys was absolutely brilliant He was attentive, organised, and made the entire process seamless and stress-free. His professionalism and dedication ensured everything was handled efficiently and with care. Highly recommend Rhys for anyone looking for a top-notch mortgage broker

Lauren
23 December 2024

We cannot thank Rhys enough He was fantastic and incredibly easy to work with. He was quick and efficient, explaining everything clearly so we understood the process. As first-time home buyers, we had no idea what we were doing, but from start to finish, our experience was wonderful. Thank you again, Rhys ?

Bridie
11 December 2024

Highly recommend Rhys and the Mortgage Choice team Rhys was great to work with and extremely helpful throughout the entire process of purchasing our first home.

Rebecca
11 November 2024

Have worked with Craig M for two mortgage applications now and would highly recommend. Prompt response times, always available to discuss things and highly personable. Thank you Craig

Dale
14 July 2024

I have had the priviledge to work with Mortgage Choice in Port Melbourne when my family friend gave me a recommendation. The last 3 housing purchasesselling, David, Chris and Katrina have supported and provided me the needed guidance to organise my mortgage. I highly recommend their service, very helpful, professional and also kind. It was nice to receive a call even after the work was done, just to check everything was going well. Thank you for your service.

Sayaka
18 May 2024

Ive been dealing with Mortgage Choice for many years now. I would never look anywhere else for my financial needs and have referred many family and friends to them. The entire team is extremely knowledgeable, always available and truly listen to your every need. Very highly recommended.

Chris
30 April 2024

Extremely happy with the service provided, endless support and advice to achieve my mortgage approval even in the short timeframe of pressure I put them under.
Thanks again

Andrew
18 April 2024

Going with Mortgage Choice was one of our top decisions when it comes to finding the mortgage for our new home.
The Lending Scenario they offered was incredibly valuable and played a critical role in our financial planning. Weve also had positive experiences with their recommendation, feeling confident that weve made the right choice.

Thank you Chris, Glenn, Katrina the team

Shin
12 March 2024

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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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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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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.