Your local mortgage broker can help you make better choices with your finances.

Call: 1300 768 258

Looking for home loan advice? Belinda Sugars and her team are your local home loan experts servicing the Parkside, Unley and surrounding suburbs. Talk to us today about how we can get you a better deal on your home loan.

Call Us Mortgage Choice Parkside
Office - 1300 768 258

Open Hours Mortgage Choice Parkside
Monday to Friday, 8:30 am to 5 pm.
After hours appointments available.
Free Appointment

Address

329 Fullarton Road PARKSIDE, SA 5063

Latest home loan interest rates

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At Mortgage Choice in Parkside, we've helped hundreds of local eastern suburbs residents get the right home loan and financial advice for their situation. Our friendly team are here to help make your financial and property dreams come true.

We're also proud supporters of our community through sponsorship of local sports groups, schools and community groups.

Start your home loan journey today

Why choose our Parkside home loan team?

Our local Parkside team at Mortgage Choice in your home loan and finance experts. We are experts in helping our clients achieve their home, car, investment, business and finance goals.

Our team at Mortgage Choice in Parkside our expert home loan team are recognised for their knowledge, commitment and success.

"Thanks to you and your fabulous ladies for keeping us on track, following us up and always being available to clarify/answer our questions. You made it so easy for us!"

Andrew & Lynley (Property Investor) Westbourne Park, SA

Our goal is simple. We focus in on you, our client. We do all we can to help make applying for your home loan easy, right from the start, and we do what is best for you, not what is best for the bank. We listen to your situation and needs and then offer you various solutions that suit your requirements.

Right loan for you. At Mortgage Choice in Parkside, the only thing that matters to us is the home loan that’s right for you.
Wide choice. We can compare hundreds of highly competitive home loan options from a wide choice of lenders, including the big banks.
Less stress. We make it easier for you by preparing the paperwork, lodging the application and following up with the lender for you as your loan progresses to settlement.
No charge. There is no charge to you for our home loan service because the lender pays us after your loan settles.
Range of products. We can also help you with commercial loans, car loans, personal loans, asset ﬁnance, general insurance and credit cards.

We make finding the right loan easy whether you're:

Buying your first home
Purchasing an investment property
Interested in a fixed rate home loan
Wanting to streamline your debts
Renovating your home
Buying a car

We will help you achieve your financial goals

Here at Mortgage Choice Parkside we ensure the home loan process is as simple as it can be. We'll recommend the loans best suited to your needs - with a choice of over 400 loans from over 20 different lenders. You decide on the loan, then we'll take care of the application process - all the way to settlement and beyond.

Not only do we organise home loans though! We have you covered across all bases and are happy to help with personal loans and business lending also.

We also do it all at no cost to you!

We know how important it is for you to be able to trust the advice you are receiving from our experts.

So, how do you know if your mortgage broker is really recommending the right home loan for you? Our home loan service comes at no cost to you because we get paid a commission by the lender when you settle a home loan.

We're here to help!

So whether you're a first home buyer, upgrading to your next home, getting into property investment, or wanting to refinance your existing loan, the expert home loan team at Mortgage Choice in Parkside can help you make the right move. We'll be here for you at every stage of the process.

Phone us anytime on 1300 768 258, drop in and see us at 329 Fullarton Road, Parkside, or email Belinda at belinda.sugars@mortgagechoice.com.au

What do I have to do when applying for a home loan?

What's the difference between fixed rate and variable home loans?

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

Fantastic experience all round. Incredibly helpful

james
03 March 2024

Update Just re-financed with Trish and her team as our guides. Our second experience with this team was just as positive as our first. We truly cant speak high enough of all the wonderful, compassionate women who work here, who have guided us through this process a second time.

Such a great team. Buying your first home is full of the unknowns and new experiences. Trish and Brenda have been with us... read more

Claire
01 March 2024

Defintely recommend - Belinda gave great advice, made everything easy and secured me a really good rate

Derek
01 March 2024

What a great team of people, assisted me through every step of the process. Excellent communicators always responded to my phone calls and emails. Service delivery was brilliant

chris
29 January 2024

Belindas team have assisted me over many years and several homes obtaining the best value mortgage for our needs. Always professional, provide fabulous service and extremely knowledgeable and responsive to customer needs, keeping us informed along the journey. Highly recommend Belindas Parkside business.

Rob
16 January 2024

Trish the team were very great to deal with though out the process and highly recommended.

Ben
19 December 2023

Belinda and the team were fantastic in helping me with my recent purchase, and Id highly recommend them Thanks for answering all my questions, and Im looking forward to moving into my new house.

Nic
14 December 2023

Thank you, Belinda, and your incredible team at Mortgage Choice in Parkside for being absolute lifesavers in guiding me through the maze of securing a finance for my new home. Your professionalism and expertise truly made a difference.

As a first-time home-buyer, I felt a bit overwhelmed, but thanks to Belinda, Louiza, and Trish, who were absolute champs in breaking down all the mortgage jargon for... read more

Christie
03 December 2023

Belinda, Louiza, and Leanne were fantastic They are friendly and professional and made our first home-buying experience a breeze. Highly recommend

Ellen
30 November 2023

I cannot thank Belinda, Trish and their amazing team for their tireless efforts to make the dream of owing my first home come true They are truly a team of professionals Thank you for you expertise in the industry, patience and kindness from the first time I stepped into your office for an assessment until settlement. I would not hesitate to recommend your services to others

J
28 November 2023

First home buyer's guide

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process.

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You could borrow up to

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Based on standard variable rate over years.

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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.

If you buy a home costing up to $430,000, no stamp duty is payable at all. If the value of your home is between $430,000 and $530,000, you’ll be entitled to a reduced rate of stamp duty. There are no additional concessions for homes valued above $530,000 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.