Shan Bott, Chris Brown, Todd Kahane, Mark Carruthers & Leonie LeCras. Mortgage Brokers in Joondalup, Currambine, Ocean Reef and surrounds

Call: 08 9304 0540

The team at Mortgage Choice Joondalup pride themselves on providing a stress-free experience for clients and ensuring they find the right loan to suit each client’s specific circumstances. With many years’ experience across the banking and finance industry, this dedicated and passionate team can help you with all your lending requirements, from residential to commercial.

Call Us Mortgage Choice Joondalup
Office - 08 9304 0540

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

Address

Suite 105, 162 Grand Boulevard JOONDALUP, WA 6027

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Services

This talented and award-winning team of mortgage brokers work closely with you to identify and source a loan solution that aligns with your needs and objectives. Between them, they have a broad range of skills, industry experience and specialist knowledge and can cater to virtually any finance requirement.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Bridging loans
Personal Loans
Car and asset finance
Insurance (third party referrals)

Other areas we service

Informed advice backed by responsive, professional service and extensive industry experience. The team at Mortgage Choice are here to help our clients achieve their home ownership and investment goals. We are based in Joondalup and service the surrounding areas.

Find out your borrowing capacity

Find out how much you can borrow based on your salary and financial commitments. We understand that finding out how much you can borrow for a property can be a little bit tricky, which is why we have some great tools to make it easy!

Check out our free home loan calculators here or get in touch with Shan to discuss your unique situation.

Ready to start your home loan journey?

We’ll assist you along the way and do all the legwork for you! Call Shan and the team today on 08 9304 0540

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

Great service provided. Made sure the process ran smoothly and efficiently

Robert
09 November 2022

Chris and his assistant Cathy were terrific right from the beginning, making sure I was informed all the way through the buying and settlement process. I can thoroughly recommend Chris for his professionalism and efficiency.

Anthony
11 January 2022

After receiving poor service from my bank of 33 years I approached Chris Brown of Smartline for assistance with my loan application process. Chris provided excellent knowledge, support & service throughout the entire approval process.

Danielle
12 April 2020

Very responsive, excellent knowledge of the products, really impressed by the follow-up when we hit any snag with the bank. Chris Brown = Highly recommended!!

Patrick
03 February 2020

Our advisor is known for more than 15 years, he understands of our financial needs and ideally investments properties.

Yupin
27 February 2019

Chris was a pleasure to work with. He was highly knowledgable and gave us options that we would otherwise have missed. Would absolutely work with him again.

Travis
15 November 2017

Chris made the entire process of finding the right home loan and applying for my mortgage easy. He was accommodating to my schedule which is essential when working FIFO and was available to chat, answer questions and discuss my options when needed. I am happy with the outcome, the service provided by Chris and the bank chosen and would thoroughly recommend his service to my friends and family.

Tess
23 May 2017

Hard working, easy to communicate with, would recommend to friends/family

Kavin
29 January 2017

Chris was very helpful and very enthusiastic, looking forward to sorting further lending with him later this year.

Waldemar
18 January 2017

Through a long process, Chris was always there to answer questions and make sure we were getting the best deal possible.

Karl
15 November 2016

Todd kahane is an absolute professional and a pleasure to deal with and he will be first call whenever we buy any future property

Joshua
28 December 2022

Todd was fantastic. From start to end he kept us well informed. Highly recommend Todd

Adrian
05 October 2022

Excellent efficient service from Todd.

Daniel
05 October 2022

Todd exceeded our expectations, the whole process was completed quickly and smoothly, excellent broker service we would highly recommend Todd,
Kind regards
Michael & Samantha

Michael
26 September 2022

Todd was proactive in contacting my wife & I to advise us that there were better loan products that would better suite our situation.
Todd kept us informed throughout the process & has a very personable manner which is why we have remained with him for the past 20 years & is regarded a friend of the family.

Kim
18 July 2022

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 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.