Award-Winning Mortgage Broker in Narre Warren, Beaconsfield, Pakenham, Officer, Clyde & Berwick

Call: 03 9707 1199

Located in the heart of Berwick since 2007, we have an amazing team of Mortgage Brokers in Narre Warren, Berwick, Beaconsfield, Pakenham, Officer and Clyde ready to assist with your first home loan or your seventh.

Give us a call today on 9707 1199!

Call Us Mortgage Choice Berwick
Office - 03 9707 1199

Open Hours Mortgage Choice Berwick
Office Open 8-5 Monday to Friday
Available After Hours By Appointment
Free Appointment

Address

11 High Street BERWICK, VIC 3806

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Home Loan Experts - Berwick, Narre Warren, Pakenham, Officer & Clyde.

Welcome to Mortgage Choice in Berwick – Your Trusted Mortgage Brokers Serving Narre Warren, Berwick, Pakenham, Officer & Clyde

At Mortgage Choice Berwick, we take pride in being your local, award-winning mortgage brokers in the Narre Warren, Berwick, Pakenham, Officer, and Clyde areas. Whether you're a first-time homebuyer or seeking to refinance and consolidate your debts, our team is here to assist you every step of the way.

Why Choose Us?

With over 20 years of combined experience, we possess the industry knowledge to find you the best mortgage deals tailored to your specific needs. Our mission is to build lifelong relationships with our clients, and we achieve this by setting high service standards and consistently surpassing expectations.

Don't just take our word for it – hear what our clients have to say:

⭐⭐⭐⭐⭐ "I would like to take a moment to express my sincere appreciation for the excellent service you and the team at mortgage choice provided from start to finish. Your commitment to understanding our needs and delivering a tailored solution for our refinance was evident from the start.

Throughout the refinance, the coordination among the mortgage choice team members was seamless and the consistent communication and transparency kept us informed and confident throughout the process.

The expertise and passion of all the team members truly stood out, delivering a great end result. I wouldn't hesitate to recommend your team to others seeking similar services.

Thank you again for the outstanding service. We look forward to working with you in the future. Best regards and have a great day."

- Gary & Nardia Lyle

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Our Comprehensive Mortgage Broker Services

At Mortgage Choice Berwick, we offer a comprehensive range of services to cater to your mortgage needs:

Residential Purchase Home Loans
Refinancing Home Loans
Commercial Finance
Business Finance
Auto Finance
Personal Loans
Equipment Finance

Setting Ourselves Apart

What differentiates us from other mortgage brokers is our unwavering commitment to providing exceptional service to each and every client. Here's what you can expect when you choose us:

Regular Updates: We keep you informed with updates every Monday and Thursday, rain or shine.
Availability: Our mortgage brokers are available 7 days a week, ensuring you have access to our expertise when you need it.
Flexible Appointments: We offer appointments at a time convenient for you, accommodating your busy schedule.
Trusted Network: Gain access to our extensive network of trusted professionals, including conveyancers, accountants, building inspectors, and financial planners.
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 your broker may charge a fee, which would be discussed with you before proceeding.

Supporting First Home Buyers in Narre Warren & Surrounding Areas

If you're a first-time homebuyer, we understand the importance of having a patient and experienced mortgage broker by your side. We assure you that we will answer all your questions, making you feel well-informed throughout the decision-making process. Our team is available during evenings and weekends when you need us the most, ensuring a stress-free home loan experience.

Download our FREE First Home Buyers Guide! This essential resource provides invaluable information for anyone looking to purchase their first home.

Our local area includes:

Clyde
Endeavour Hills
Hallam
Hampton Park
Koo Wee Rup

Our dedicated team also manage Mortgage Choice Frankston, Mortgage Choice Waverley & Mortgage Choice Mornington Peninsula.

To discuss your mortgage needs or schedule an appointment, please reach out to our dedicated team of mortgage brokers:

David Thurmond
Manjula Ezra
Alston Soff
David Lelean
Karley McCahon

Call us on 03 9707 1199 or send us a message via our convenient contact form. We look forward to assisting you on your home loan journey.

Stay Connected

Be sure to follow us on social media for updates, tips, and insights:

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Award-Winning Mortgage Broker | Mortgage Choice Berwick & Narre Warren

Mortgage Choice Berwick & Narre Warren named in the Top 100 Brokers in Australia for 2017, 2018, 2019, 2020 & 2021

Mortgage Choice Berwick - Top 100

How we saved a young family $500 per month.

Refinancing & Debt Consolidations

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

To Everyone,
I cant speak highly enough of the team at Mortgage Choice Berwick,
We have now worked with Mortgage Choice Berwick on 3 separate occasions and will continue to work with them again in the future,
Extremely professional and communication is fantastic especially in a situation as daunting as seeking a mortgage or re-financing,
They are always looking out for our best interests and want to... read more

peter
25 June 2025

Highly recommend Manjula from Mortgage Choice. She has been exceptional to work with, and we couldn't be any happier with the experience for our new home loan.
Manjula supported us on this journey and made the process seamless.
Thank you Manjula

Brooke
23 June 2025

I recently refinanced with MORTGAGE CHOICE, BERWICK and worked with Alston Soff, who made the process seamless. He was incredibly patient, thorough in explaining every detail, and always responsive to my questions. Alston truly listened to my concerns and offered tailored advice, even accommodating after-hours calls to fit my schedule. I highly recommend Alston for his professionalism and dedication

Cherylann
23 June 2025

The Mortgage Choice system is a breeze to use and incredibly intuitiveespecially in a space where processes can often feel laborious and overwhelming. Manjula is outstanding in her diligence, attention to detail, and communication. In an industry filled with constant changes and pressures, she brings clarity and calm. I highly recommend Manjula to any of my clients seeking an excellent mortgage broker who approaches lending needs with both care and enthusiasm

Brett
06 June 2025

Just want to commend David and his team for helping us out with our requirement. David and his team answered all our questions and got back with a very clear plan with detailed steps that helped us feel confident in the process.
We highly recommend David and Mortgage Choice Berwick for all your finance requirements

John
29 May 2025

The knowledge of the staff at Mortgage Choice Berwick is so vast and their willingness to assist with even the smallest of enquiries knows no bounds. I would recommend David and the team to everyone and anyone looking at buying, selling andor investing.

Sheree
22 May 2025

Great experience with David and his team. They are experts in their field and extremely responsive. They take the time to provide as much clarification as needed, and are able to work through challenges with great efficiency. There is a genuine culture of wanting to achieve the best for their clients. Thank you David and team.

Aravind
22 May 2025

We had an outstanding experience working with David Thurmond and his team from Mortgage Choice in Berwick. From start to finish, they made the mortgage process smooth, stress-free, and straightforward. David was extremely knowledgeable, always available to answer questions, and took the time to explain every step in detail. They found us an excellent mortgage rate and guided us through all the paper... read more

Kate
28 April 2025

Alston and Jules at Mortgage Choice Berwick have been absolutely fantastic to deal with. They have been very professional, super friendly and helpful throughout the entire process of obtaining our home loan. Highly recommend

Frances
17 April 2025

Majula and Jules were super helpful with the whole loan approval process. Jules followed through everything all the way towards the settlement Everything went well

Aneesh
17 April 2025

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.