Mortgage Choice South Melbourne

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South Melbourne, VIC
Mortgage Choice South Melbourne

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Everyone has their thing. Ours is finance. Your broker will advise whether they are a credit representative of Mortgage Choice or Smartline.

Mortgage Choice Pty Limited (ABN 57 009 161 979, Australian Credit Licence 382869) and Smartline Operations Pty Limited (ABN 86 086 467 727, Australian Credit Licence 385325) are owned by REA Group Limited.

31/10/2026

If you’re a Victorian first home buyer eligible for the Home Guarantee Scheme, these numbers are for you: just 5% deposit and no Lenders Mortgage Insurance.

Plenty of first home buyers forget about stamp duty - which can be a big additional expense.

And don't forget to have a few thousands put aside for additional costs like: conveyancer fees, building and pest inspections, home insurance, loan application fees, Govt transfer fees, council rates, moving cost. And we always suggest having a bit of a buffer for unexpected costs too.

Not sure if you’re eligible, or what your number looks like? That’s exactly what we’re here for.

👉 Follow along for more realistic tips on buying your first home.

📅 Book a free chat at the🔗 in our bio (Australia-wide).

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Based on Victorian first home buyer duty concessions and the 5% Deposit Scheme property price cap for Melbourne. Eligibility criteria apply. This is for general education purposes only and is not intended to constitute specialist or personal advice.

30/10/2026

Here’s a quick eligibility check 👇

✅ Australian citizen or permanent resident
✅ A first home buyer, or haven’t owned property in the last 10 years
✅ You’ll live in the property
✅ You have a deposit of at least 5% (and no more than 20%)
✅ Purchase price up to $950,000 in Melbourne and other Victorian cities and regional centres

Here’s the catch: not every lender offers the scheme. Only participating lenders do, and they all differ on interest rates, fees and how much they’ll lend you.

💬 Comment FIRST and we’ll send you our free factsheet on the scheme.

👉 Follow for more practical first home buyer tips.

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*Eligibility criteria apply. This is for general education purposes only and is not intended to constitute specialist or personal advice.

29/10/2026

Her parents had always paid for everything, and she just spent every cent she earned.

When she realised she wanted to buy a home for herself, she didn't know where to start.

She was embarrassed and thought everyone else had it all figured out (of course, they don't!)

But in the end, she did the hard work, hit her goals and we are so, so happy for her!

👉 Follow us for tips and stories about buying your first home.

📅 If you want some help on your own numbers, book a quick chat with us at the🔗 in our bio (Australia-wide).

28/10/2026

Stay calm 🎂👀

27/10/2026

1️⃣ If you’re not ready to buy just yet. We’re happy to chat through your savings goals, answer your questions, or get started on the paperwork, whatever stage you’re at.

2️⃣ If another bank has already said no. That just means that particular bank wasn’t the right fit. There are dozens of other lenders, and their policies vary a lot.

3️⃣ If you’re on maternity leave. Plenty of lenders will consider your return-to-work date and income, so it doesn’t have to put your plans on hold.

4️⃣ If your credit history isn’t perfect. It’s more common than you think, and there are often ways to improve it. Talk to us before you apply anywhere.

5️⃣ If you’ve recently changed jobs. It’s not necessarily a deal breaker, especially if you’ve stayed in the same industry.

👉 Follow for more real tips on buying your first home.

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*This is for general education purposes only and is not intended to constitute specialist or personal advice.

26/10/2026

We see it more than you'd think.

Because income alone doesn't create security. Structure does.

An offset account that's actually working. A mortgage that fits your life - not just your salary. A buffer that means one bad month doesn't become a crisis.

If you've got a great income but you're not sure your home loan or investment property is actually working for you - that's exactly the conversation we have every day.

And it's never too late to get the structure right.

📅 Start by booking a free Interest Rate Review at the🔗 in our bio (Australia-wide).

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*This is for general education purposes only and is not intended to constitute specialist or personal advice.

26/10/2026

Some of the common questions we get asked by first home buyers.

👉 Follow for more realistic tips on buying your first home.

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*This is for general education purposes only and is not intended to constitute specialist or personal advice.

23/10/2026

The best feeling in the world is knowing more money in staying in our client's pocket, and all they did was check their rate with us.

23/10/2026

In the first ten years of your home loan your balance is at it's highest, which means most of your repayment goes to interest.

3 small ways you can make your money work harder:

1️⃣ Put your offset to work. $30K in your offset from day one could save around $130K in interest and take about 3 years off your loan.

2️⃣ Round up your repayments. An extra $200 a month could save over $100K in interest and take almost 4 years off.

3️⃣ Go true fortnightly. Pay half your monthly repayment every two weeks. With 26 fortnights in a year, you end up making 13 months of repayments instead of 12, without really noticing. That could save around $150K in interest and take over 5 years off.

👉 Follow for more ways to save on your home loan.

📅 Want to see what this looks like on your loan? Book a free 15-min chat at the 🔗 in our bio (Australia-wide).

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Example based on a $600K principal and interest loan at consistent 6% p.a. over 30 years, with monthly repayments. Figures are estimates for illustration only. This is for general education purposes only and is not intended to constitute specialist or personal advice.

22/10/2026

Banks save their sharpest rates for new customers. That’s why refinancing can often save people 0.5% or more, which adds up to tens of thousands of dollars over the life of a loan.

We lay it all out for our clients: what they’d save after one year, five years and over the full term. That way they can then decide whether it’s worth it.

Banks are hungry for new business right now, which makes switching more lucrative than most people expect.

👉 Our review and refinance service is free. Book a free Interest Rate Review at the 🔗 in our bio (Australia-wide).

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*This is for general education purposes only and is not intended to constitute specialist or personal advice. Figures are illustrative and will vary depending on your own loan and rate.

Address

Level 5, 111 Cecil Street
South Melbourne, VIC
3205

Telephone

+61396818182

Website

https://www.mortgagechoice.com.au/paul.williams

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