Tracey Kyle Mortgage Broker in Beaconsfield, Berwick, Officer & Surrounds

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Call: 0414 325 105

Tracey Kyle and Allan Thompson have serviced Melbourne’s Beaconsfield community for over 25 years. Their ability to deliver the right loan solutions for each client is the key to their ongoing success. They have an extremely high number of referrals and repeat customers – a testament to their dedication, professionalism and reliability. They offer a mobile service in Melbourne’s north-east.

Call Us Mortgage Choice Beaconsfield
Office - 0414 325 105

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

Address

PO Box 188 BEACONSFIELD, VIC 3807

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Services

Attain your financial and property ownership goals with a tailored lending solution. Allan and Tracey’s expertise covers all aspects of lending, from first home buyers to helping self-employed clients and seasoned property investors.

Other areas we service

As an accessible, local team, Tracey and Allan are dedicated to making the borrowing process easy for you. Based in Beaconsfield, they are mobile across Melbourne’s north-east including Cardina Shire and City of Casey.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Reverse mortgages (Referred to third party)
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Beaconsfield, Berwick, Officer and surrounds.

We understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with Tracey Kyle to discuss your unique circumstances.

Ready to kickstart your journey to home ownership?

We’ll assist you along the way and do all the legwork for you! Call Tracey Kyle today on 0407810271

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

Tracey has been amazing throughout the whole process.. She is a very warm, friendly and understanding person who has been very patient with us and provided information when required as well as answering all our weird and crazy questions. We would definitely recommend her to anyone.
We will use her again for sure

lee
06 May 2025

Tracey Kyle is a super star in the mortgage space. She helped ensure we received the best rate for our new home loan and was efficient and effective. Tracey kept us well informed as we progressed and was a pleasure to work with. Process was easy and seamless. Thank you so much Tracey Much appreciated

Mozma
28 March 2025

Tracey worked hard to ensure that we were able to reach our financial goals. She went above and beyond, and we are very grateful.

Joel
16 March 2025

I highly recommend Tracey to anyone looking to purchase a home. She was very easy to deal with and explained every step of the process to us thoroughly. Thank you so much to Tracey for helping us achieve our goals despite difficult circumstances

04 February 2025

Tracey is my broker of choice, she is professional, personable and very knowledgeable in all facets of lending. Tracey helped my save a lot of money with my current lender by reviewing my existing loan and helped me to negotiate a new interest rate which was a lot lower than i was currently paying, cannot thank her enough.

Karen
17 March 2023

I have had the pleasure of dealing with Tracey for a few years now. I cannot recommend her enough, her professionalism, knowledge and warmth are unquestionable. She is always available to answer any question you may have, no matter how big or small. When it comes to attaining a mortgage, I wouldn't deal with anyone else.

Melinda
13 February 2023

Word of mouth is a powerful thing! Tracey, you have done wonders in getting me, to where i am now, you made it possible for me to get into my new home after 4 yrs of renting. You gave us a list of things to work too & with a few speed bumps along the way, loan came in as unconditional from Adelaide bank.
Thank you for your patience & doing your thing, im truly grateful.

Darryn Millard

Darryn
07 September 2022

I have already recommended Tracey to friends, especially my female friends who I think would appreciate her support and encouragement. Also, I realise that she got me a great deal on my loan

Catherine
29 April 2022

Tracey is wonderful to work with. Second time Tracey has helped me and each time there is a hurdle, she had been able to help me rectify the issue with efficiency. Tracey is professional and very knowledgable. Highly recommended.

Anna
18 February 2022

I found Tracey to be easily contactable and knowledgeable. She kept me informed through the whole loan approval process which I appreciated as it can be a stressful time. Tracey was professional at all times & I was extremely satisfied with the service I received.

Chika
09 September 2021

We had the pleasure of dealing with Allan Thompson from Smart Line for our recent home loan and could not be happier with the service he provided from start to finish, he treated us with us with respect throughout the whole process and the professionalism he showed was unparalleled with any service we have received in any other industry.

Rohan
15 May 2022

I would highly recommend Allan
to all who require a loan.
His clear and honest responses to questions about my loan made the journey very easy and the end outcome was perfect.
Thank you Allan and Smartline.

Storm
18 November 2021

Alan was helpful and supportive throughout the process.

Adam
19 January 2021

I have used Alan at Smartline now for several loans. I keep going back because the advice and service is excellent. Alan was able to understand my needs and find a range of suitable product options for me to consider. Highly recommended.

Stephen
05 October 2020

Allan has organized my first home loan over 25 years ago and my latest one just now. He has impressed me then and now delivered the goods again in an exemplary fashion. Thank you Allan

Thomas
24 September 2020

Refinancing guide

If you’re thinking about refinancing, this guide can help you learn more about the refinancing process, benefits and options available.

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You could borrow up to

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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.

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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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