Award-winning Mortgage Brokers in Oakleigh, south-east Melbourne

Call: 0406 507 840

We are expert Mortgage Brokers.

We review over 30 lenders - including the "Big 4" banks - to find the best home loan for you. We help with new home loans and refinancing.

Our services are free to you; the Lender you choose pays our fee.

See what our clients say, in our 350+ 5-star Google reviews.

Call Us Mortgage Choice Oakleigh
Office - 0406 507 840

Open Hours Mortgage Choice Oakleigh
9am-6pm for Calls & Zooms.
Free Appointment

Address

1/162 Drummond Street OAKLEIGH, VIC 3166

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.

We're home loan and mortgage experts, helping you find and secure the best loan for your own home or investment property.

Whether you're buying or refinancing, we can help.

How can we help?

We'll review more than 30 Lenders with hundreds of loan offers, before showing you a short list of the loans most suited to your needs.

You select the loan, we'll create and submit the application and work with the Lender for you, right through to settlement.

We then stay in touch through the life of your loan, ensuring it's always competitive and meeting your needs.

Best part of this is our services are free to you; the Lender you choose pays us when your loan settles.

From our offices in Oakleigh we help clients across Melbourne, Sydney, Perth and Brisbane. We also have overseas ex-pat Australian clients.

Our services:

Home Loans new mortgages and refinancing
Investment Property Mortgages
Interest Rate reviews we can check if your current home loan is on a competitive terms
Home Buyer guidance practical guidance on the buying process, your borrowing power, equity release, referrals to other professionals (eg conveyancer) and advice on how to achieve your property goals (eg first home buyer grants, security guarantors)
Commercial property mortgages for SMSF and other investors
Car, boat, caravan and other loans

Why choose us?

350+ Google Reviews see what our clients say about us.
We know mortgages We've been reviewing and helping clients secure home loans for 20 years.
We get it done.
We make it very easy for you. We do all the paperwork, lender chasing and problem solving for you.
Our service is free to you. The Lender pays our fee, once your loan has settled.
Our values. Our business values are Integrity, Energy and Outstanding Service.

Contact us today:

Ph 0406 507 840‬

admin.oakleigh1@mortgagechoice.com.au

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

Harry at Mortgage Choice was incredibly knowledgeable and attentive. He supported us through every step of our first home buying journey.

Highly recommend

jordan
18 June 2025

Harry the team at mortgage choice did an absolutely fantastic job for my partner and i in securing a loan, i couldn't recommended them enough. The process was smooth and stress free from start to finish. Harry is a fantastic broker and a brilliant communicator, he even purchased me lunch one day when i forgot my card at home

C
16 June 2025

As a first-home buyer, Im extremely grateful for the outstanding service and support provided by Harry and his team throughout the entire process.

From our first conversation through to settlement, Harry was professional, responsive, and genuinely committed to making the experience as smooth and stress-free as possible. He took the time to explain everything clearly, answered all of my questions pr... read more

Joseph
15 June 2025

We had a great experience with the mortgage choice team. Harry looked after us and was always wonderful to deal with on a long process of finding our first home, with lots of changing requirements along the way.

Olivia
14 June 2025

I was recommended Mortgage Choice independently by two of my friends who required lending advice as first home owners. I am very glad they did.

Harry from Mortgage Choice held my hand through the whole process - understanding my borrowing capacity, checking in on me as I navigated the whirlwind of property inspections, undertaking the contract review process, understanding lenders and providing hel... read more

Emilia
07 June 2025

Marvin, Stephanie, and the team were fantastic and guided me through the entire process of purchasing my first home. They were always quick to respond and happy to jump on a call to answer any questions I had. Marvin went above and beyond, patiently addressing all of my rookie first-time homebuyer questionseven the ones that had nothing to do with the mortgage. I am extremely satisfied and wholeheartedly recommend this team without reservation.

Denis
01 June 2025

Cannot speak highly enough of the care and customer service offered by Marvin and his team

Kate
13 May 2025

We had an incredible experience working with Marvin Steph From the very beginning, their professionalism, knowledge, and approachable nature made the entire mortgage process smooth and stress-free. They took the time to understand our needs, explained everything clearly, and were always available to answer our questionsno matter how small. Their service went above and beyond, and we felt genuinely... read more

Ashleigh
02 May 2025

Marvin and his team deliver exceptional service.

D
29 April 2025

I had never refinanced a home loan before and the process was daunting. Marvin and Harry were fantastic and step me through the process. They were able to find me a much better deal. Next time I need advice about my mortgage I will be contacting them. Couldn't recommend any higher.

Brenton
24 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

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.

State / Territorial Revenue Web Sites

View