Mortgage Brokers & Home Loan Experts in Ivanhoe, Thornbury, Northcote & across Melbourne

Call: 0488 442 355

Our goal is simple: to improve the financial lives of everyday Australians by matching them with the right home loan. Our team at Mortgage Choice Ivanhoe has access to over 35 banks and lenders - including the big banks. We're passionate about ensuring that everyone has access to expert, tailored advice for their next big purchase.

Call Us Mortgage Choice Ivanhoe
Office - 0488 442 355

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

Address

1/11 Bell Street IVANHOE, VIC 3079

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.

Improving the financial lives of everyday Australians

The wrong home loan can affect your finances for years to come. But many buyers make choices without expert advice to back them up. Our experienced and passionate team is here to help you make a great choice with your home loan and do all the legwork to get it across the line. Mortgage Choice in Ivanhoe are here to support your next big purchase.

How do we do this?

We have access to 35+ lenders at once including all the big banks.
We do all the research & legwork to find you a great loan.
We submit your application & liaise with the bank on your behalf.
We act as your advocate with your bank, now and over the long term.
We have an expert team with years of finance experience.

How much does it cost?

As Mortgage Choice Brokers, our home loan service is free! That's because we're paid by the new lender when your loan settles. While not all mortgage brokers offer a free service - we do! It's because we're passionate about giving homeowners access to the support they need to make sure they're getting a fair deal.

Support for your next big purchase

The first step is to book a no-obligation appointment with our team at Mortgage Choice Ivanhoe. Many of our clients prefer to chat by phone or video, but we're also happy to meet in person anywhere in Ivanhoe, Thornbury, Northcote and right across Melbourne. Or feel free to pop by our office at 11 Bell Street, Ivanhoe VIC 3079 to chat with our team.

Call Mortgage Choice Ivanhoe on 0488 448 355 or fill out a contact form and we'll be in touch!

Call: 0488 448 355 Contact Us

Need a rate review? We make the refinancing process easy.

What our clients say

"Dan and the team have been a dream to deal with. They were able to assist me with my home loan when other brokers weren't so helpful. They are personable, attentive and efficient." (Alyssa, Thornbury)

See our Google reviews

Visit us at 11 Bell Street, Ivanhoe

Get directions

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

It has been an absolute pleasure dealing with Peter. He clearly explains the process and keeps it simple.

Warren
17 August 2022

Peter King and his team made the process seamless.Topnotch communication and Amazing customer service skills.

Kamal
04 August 2022

Peter King was absolutely fantastic even with the smallest of things I didn’t understand Peter always took the time to explain everything to me no matter how small he went above and beyond for me.
I highly recommend Peter King.

Rosemary
15 July 2022

Peter King assisted me with my home loan.
I could not recommend him highly enough, he completely exceeded all my expectations.
The process of applying for a home loan was new to me and Peter walked me through the entire process.
Peter’s expertise, experience and knowledge of the industry was second to none and I felt like I was in really good hands, I received a great home loan thanks to Peter.
Thank you so much Peter, I appreciate all of your support.

Michelle
07 July 2022

Wonderful service, always communicating and explaining options for loans . Highly recommend.

Edelweiss
30 June 2022

We were incredibly happy with the entire process, and especially the result of what we could get. It exceeded our expectations. Peter King always puts in a huge effort for us, keeps us in the loop, and is extremely knowledgeable about what he does. He patiently answered all our questions and was always available for us. Both him and Marijo are absolute delights to work with, you definitely feel like you're getting the best results and we highly recommend them!

Vera
06 June 2022

Both Peter and Marijo made the process quite easy. My husband and I are so happy with the new loan we are sending some friends and family to do the same.

Alana
25 May 2022

Peter was extremely helpful, as always.

Darryn
23 May 2022

I have dealt with for many years and have found him to be extremely professional and very easy to work with.

Claude
08 May 2022

Peter King is always reliable. He service makes us feel that he is seeking every avenue possible to find the best solutions for us.

Viet
03 May 2022

Property Ownership

This guide outlines the essential steps to achieving property ownership, starting from the first appointment with a mortgage broker all the way to settlement.

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.