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Mortgage Choice - Williamstown

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Australia
Williamstown, VIC
Mortgage Choice - Williamstown

Award winning team. Australia's Mortgage Broking Franchise Office of the Year 2021, 2022 & 2023. All in residential, industrial and rural areas.

Mortgage Choice Williamstown is a professional mortgage broking firm and finance advisory based in Williamstown, Vic. Mortgage Choice Williamstown are highly regarded not only in Williamstown but across all of Western Melbourne. The services we offer our clients include, Residential home loans, Investment property home loans, Refinance , Franchise Loans, Commercial property loans and lending, comm

ercial vehicle finance, mortgages, Life Insurance. We service the suburbs of Williamstown, Newport, Brooklyn, Yarraville, Altona, Footscray and Maidstone. If you are looking for the best professional mortgage broker and finance advice in Melbourne then look no further. 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. Your broker will advise whether they are a credit representative of Mortgage Choice or Smartline.

30/06/2026

A different day in the office 🎥

I had the privilege of spending the day filming with the MFAA (Mortgage & Finance Association of Australia) — Australia’s leading professional body for mortgage and finance brokers playing an important role in raising education standards and supporting the next generation of brokers entering our profession.

After 14 years as a broker, it was a pretty special moment to be asked to share some of my experiences and lessons learned along the way.

To me, the role of a broker was never just about:
❌ Finding a rate
❌ Filling out paperwork
❌ Getting a loan approved

The best brokers today help clients answer bigger questions:
✔️ What options do I have?
✔️ How should I structure my lending?
✔️ How does this decision impact my future?

Proud to play a small part in helping shape the next generation of brokers.

Because when our industry gets better, Australian borrowers get better outcomes.

25/06/2026

I’ve been a mortgage broker for the last 14 years. This week has been one of the biggest shifts in the Australian property landscape I have seen.

The Tax Reforms proposed by Labor has officially passed the Senate today.

I've summarised the 3 biggest changes impacting property investors worth noting. Link in the comments below 👇

24/06/2026

Talk about a week of dramatic change....🤯

News of the SMSF residential borrowing ban has created plenty of uncertainty, particularly for accountants, property professionals and businesses that have built services around this space.

But beyond the headlines, what does this actually mean for property investors?

The reality is rules and policies will always change.
The fundamentals don’t.

10/09/2025

Selling an investment property can be a tough decision, but sometimes holding on can lead to significant gains!

One of my clients bought a Brisbane investment property 8 years ago for $400k. Every year, he'd consider selling, but I always advised him to hold.

Last year, an agent said it could sell for $660k, and it's gone up another $50k since then! Now he's in a great position with significant equity.

02/09/2025

Melbourne's property market has been annoyingly sluggish behind other states in terms of growth over the last couple of years. However, the stars may finally be aligning for a new growth phase to kick in, and it's thanks to two major forces: lower interest rates, and the expansion of the government’s 5% deposit scheme.

Recent RBA cuts have already lifted buyer confidence, and more are expected in the months ahead. Lower rates directly boost borrowing capacity — meaning buyers who were priced out six months ago can suddenly afford more. For Melbourne, where price growth has lagged Sydney, this pent-up demand could quickly translate into upward pressure on values.

From October, first-home buyers will be able to purchase with just a 5% deposit — without income caps and with higher property price caps. In Melbourne, that means access up to $950,000. By removing LMI (a saving of tens of thousands of dollars) and fast-tracking the deposit-saving journey, the scheme will unlock demand from buyers who were previously on the sidelines.

It’s a perfect storm that could re-shape Melbourne’s property values over the next 12–18 months. While affordability pressures will remain, buyers who are proactive — and properly advised — stand to benefit the most.

01/09/2025

📣 In case you missed it:

The Federal Government announced it would bring forward its expanded low-deposit scheme!

What this change means for first home buyers:

⏰ The expanded scheme will start from 1 October

📄Eligible first-time buyers will be able to purchase a property with a deposit of just 5%

💰Income caps no longer apply, and property price caps have increased, varying by location across the country.

Every lender will treat the scheme differently, so contact us today for expert guidance.

12/08/2025

🎬 Mortgage Choice - Williamstown x CareforKids.com.au

I recently had the pleasure of partnering with Care for Kids to film a series of educational videos on a topic that catches many young families by surprise — how parental leave can impact your borrowing power.

Most people don’t realise that parental leave can temporarily reduce borrowing capacity, sometimes by tens of thousands of dollars. It’s a scenario we navigate for clients all the time, and there are ways to keep property goals on track, you just need a smart leding strategy.

Big thanks to Care for Kids for the opportunity to share my expertise with more Aussie families. 📹 Watch this space for the final cut!

P.S Care for Kids is a directory that helps families compare childcare options, you can check them out here - CareforKids.com.au

22/07/2025

Can you believe it's been a month since we've moved into our new office location on 145 Railway Place Williamstown?

Come round and say hi if you're in the area!👋

11/06/2025

📦✨ We’ve Moved! 🎉

Big news – Mortgage Choice Williamstown has a brand-new home, right in the heart of the West’s busiest roundabout! 🏡💼

📍 You’ll now find us at 145 Railway Place, Williamstown
📞 Same phone number
📧 Same email
📅 Still here for you with in-person and online appointments – whichever works best for you.

We’d love for you to swing by and check out the new space – familiar faces and new friends are always welcome! 👋💙

Address

145 Railway Parade
Williamstown, VIC
3016

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+61393970365

Website

https://www.mortgagechoice.com.au/williamstown

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