Tara Williams

Mortgage Broker in Rockingham, Kwinana and surrounds - Tara Williams

Your local Mortgage Choice Mortgage Broker Tara Williams.

We can help you find the right loan or build a financial plan for your future. Talk to us to get started.

Call Us Mortgage Choice Mirrabooka
Office - 0447 277 321

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

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Start your home loan journey today

Your local home loan & finance team are here to help.

We know how stressful and complicated the loan process can be. Finding the right loan for your first home, investment property, new car or commercial property can seem daunting. That’s where we come in.

We take the hassle out of finding the right loan

At Mortgage Choice in the Secret Harbour area, we have a friendly loan support team who help you through every step in the home loan process, making it as streamlined as possible and giving you a smooth transition into your new home or investment.

The first step: choosing your home loan

The first step in any home loan journey is to make sure you first have the right loan from the right lender at the right rate! There are plenty of comparison sites online, but it could take you hours to go through every loan on the market, not to mention the fine print.

Let us help you! Our home loan team will find the right loan for you from our panel of over 20 lenders, including all the big banks and some specialist lenders, to find you the loan that best suits your goals.

Do you want to pay off your loan in lump sums? Or use the equity in your home to invest in another property? There are plenty of options and we’ll find you the right one.

Helping you through the home loan process

It’s not just about making sure we have found the right home loan for you. There is lots of paperwork and follow up that comes with it! But don’t stress, we’ve got you covered.

Our home loan team will help you complete the required paperwork and follow up the banks for you so you don’t have to.

We’ll also help you through each stage from pre-approval to settlement, and help the transition into your new home as easy as possible.

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 we may charge a fee, which would be discussed with you before proceeding.

Talk to us today!

We would love to chat with you, no matter where you are in the loan or financial planning process. Call us for a quick chat on 0421 810 482 or click the Contact Us button at the top of the page.

We service Secret Harbour, Rockingham, Kwinana, Port Kennedy, Warnbro, Baldivis, Safety Bay, Waikiki, Cooloongup, Hillman, Golden Bay, Orelia, Wellard, Serpentine, Jarrahdale, Mundijong and Oakford

We can help you with:

Home loans

Refinancing your current loan

Investment property loans

Top up on existing loans

Debt consolidation

Car loans & Personal loans

Commercial loans

Equipment finance & leasing

Self Managed Super Fund loans

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

Tara is fantastic to work with outstanding friendly service, a Seamless process from end to end.

Ben
18 July 2023

Tara and Amanda have very supportive through the process, making the purchase a smooth and transparent.
Thankyou

Craig
03 March 2023

Tara has been incredible, helping me and my young family through the home loan process and getting us our absolute dream home. She is fantastic at what she does and i would highly recommend her. Amanda was also very brilliant with all of the administration requirements and really helped to take the stress and pressure away.

Aaron
01 March 2023

Tara team have been absolutely fantastic to work with true professionals, giving solid balanced advice making the process seamless.

Ben
19 January 2023

From the first point of contact to finalisation of settlement Mila and Tara have provided us not just with fantastic customer service but the support and reassurance we needed as first home buyers. Purchasing land, building and applying for the first home owners grant was a complicated process but with Mila's constant support and clarification of details that were beyond her scope as our broker, made... read more

Kyle
15 March 2022

Tara is a consummate professional who doesn't give up even on the tough jobs, like mine. She always got back to me when I contacted her and kept me in the loop with any new developments. She was tenacious in hunting for the right loan for me and I am so grateful to her for that. I am also deeply grateful, and indebted to Tara for the extra mile she went to for me. You never forget those people with i... read more

13 February 2022

It is alright, but compared to the DoubleviewScarborough Locale, it isn't much competition

16 July 2019

Highly recommend Tara as a mortgage broker. She is efficient, knowledgeable and professional. Tara made made sure we got the best deal financially, and in my opinion went above and beyond the call of duty in making the process as stress free as possible for us. Would definitely call on her again if needed in the future.

Jenny
16 July 2019

Tara is fantastic She helped us every step of the way to buy our first home. She is professional and gets back to you quickly Highly recommend

Tara
16 July 2019

Great service provided throughout the loan process kept up to date with the progress very helpful

Michael
16 July 2018

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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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.

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

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