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Mortgage Choice - Williamstown

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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.

26/01/2026

Reality check: a lot of retirees are living on pretty tight budgets — often relying on super plus the Age Pension just to get by.

A “modest” retirement sits around $35k–$50k for singles and $50k–$75k for couples.

Translation? The moves you make now matter.

If you want future-you vibing like this boomer 🕺 instead of stressing, let’s talk strategy.

Book a chat with one of our mortgage brokers and start planning smarter.

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! 👋💙

20/05/2025

📉 The RBA just cut the cash rate to 3.85% — and major lenders are following suit with lower home loan rates. What does it mean for you?

Find out how much you could save and which lenders have passed on the rate drop already:
👉 https://www.mortgagechoice.com.au/jonathan.lee/blog/lenders-respond-as-rba-cuts-rates-by-0-25-/

15/04/2025

Looking to purchase your first home, next home, or refinance your existing loan?

Take the next step in your home loan journey by attending an appointment with a mortgage broker in our team, and you’ll go into the running to win a $25,000 Luxury Escapes voucher.

Book your appointment today.

09/04/2025

🌸🍫 Feeling the love! A huge thank you to our wonderful clients Baz & Boon for the beautiful flowers and chocolates — what an incredible surprise!

A special shoutout to Jess & Cody for going above and beyond (as always) to make the loan process smooth, stress-free, and downright enjoyable. 🙌

We’re so grateful for clients like Baz & J — and so proud of our team for the care and dedication they bring to every file. 💙

06/02/2025

⭐⭐⭐⭐⭐ 5-Star Google Review!

Brendan, you've got us blushing! Thank you so much for your epic Google review, we've loved working with you over the years and can't wait to see you kick more property goals in 2025. 💪

"Friendly, a genuine warm welcome to a competent team. Informative, letting you know clearly and as accurately as possible what your option are and what you can explore.

Reliable, kept their word and would be contactable to help guide you through the journey which was really handy for someone like myself busy and working shift work hours.

A team of support just a call away, it felt as though even thou they had other customers everyone was able to help you at any point with ease regardless of who you spoke too. I can honestly say Not once! was I frustrated or felt anything other than at EASE!!! being a customer of Williamstown mortgage choice,

This is my second time working through a loan with them and i highly recommend you do yourself a favour and sit down with the team to discuss your ideas and dreams and see where they can assist!

Thanks Jonathan, Mandy, Georgia and the whole team for looking after us again, hopefully we’ll be back a third time soon!!!!!"

04/02/2025

As the Reserve Bank of Australia's (RBA) first meeting of 2025 approaches on February 17-18, experts are weighing in on potential interest rate decisions. Here's a snapshot of current expectations:

- Commonwealth Bank (CBA): CBA anticipates a 0.25% rate cut in February, citing recent data indicating a slowdown in inflation and economic growth.

- ANZ: ANZ has revised its forecast, now expecting a rate cut in February due to weaker-than-expected inflation figures.

- National Australia Bank (NAB) & Westpac: Both banks project the first rate cut to occur in May, suggesting the RBA may wait for additional economic data before adjusting rates.

Recent labor market data adds complexity to the RBA's decision-making process. December saw an unexpected addition of 56,300 jobs, primarily in part-time positions, pushing the unemployment rate slightly higher to 4.0%. This robust employment growth, coupled with a record-high participation rate of 67.1%, presents mixed signals for the RBA as it balances inflation control with economic stability.

Stay tuned for the RBA's announcement on February 18 at 2:30 pm AEDT to see how these predictions unfold.

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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