Anne Lawrence

Guy Lawrence - Your experienced Mortgage Broker in Summer Hill, Ashfield, Petersham - we're Inner West Sydney's home loan specialists

Talk to Guy Lawrence in Summer Hill for help with home loans, car loans, business lending, financial advice & more across Sydney's Inner West suburbs.

For expert help with your finances, book a free, no-obligation appointment today.

Call Us Mortgage Choice Blacktown
Office - 0413 041 457
Fax - 02 8814 8277

Open Hours Mortgage Choice Blacktown
Monday - Friday 8.30am - 5.30pm
Saturday & Sundays by appointment
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Servicing across Sydney and Sydney's Inner West suburbs

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Your mortgage broker team for finance expertise in Summer Hill and across Sydney's Inner West

The team at Mortgage Choice in Summer Hill are solely focused on the success of their clients' financial goals. Our passion is to ensure our clients enjoy the excitement of buying a new home or investment property, by making the home loan application process easy and stress-free.

Convenience with the benefit of choice

It's simple to get started - book an obligation-free chat to discuss your goals. Our team is always willing to meet at a time and place that suits you.

When you use the team of mortgage brokers at Mortgage Choice in Summer Hill, it's like having more than 28 banks and lenders all competing to offer you the best deal on your home loan.

By allowing Mortgage Choice in Summer Hill to shop around for your ideal home loan, you can save yourself time, stress and money. The end result being that you'll be offered the very best finance options available for your needs. Contact our team of mortgage brokers in Summer Hill now.

Arrange a free appointment with our mortgage broker, Guy Lawrence in Summer Hill - call 02 9799 3500 or simply click 'Contact us' at the top of the screen.

Our services

Mortgage Choice in Summer Hill offers professional financial expertise for a wide range of requirements, including:

First home buyer finance
New home finance
Property investment loans
Home loan refinancing
Fixed, variable and interest only home loan packages
Debt consolidation
Commercial finance
Personal and car loans
Insurances - home, contents and landlord
and more!

This video further explains what makes Mortgage Choice in Summer Hill different to other mortgage brokers, and why you should come to us first for your lending needs.

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

We have dealt with Guy for all our mortgages, including most recently when we refinanced after selling our Sydney home. We have always found Guy to be extremely professional, friendly helpful. He always provides accurate sound financial advice which takes into account our needs as well as the best outcome for us financially. We would never go anywhere else except to Guy at Mortgage Choice.

Brigitte
03 March 2023

Guy was a pleasure to deal with whilst facilitating the best outcome for our family. I highly recommend giving guy a go.

Wil
02 February 2023

Mortgage Choice Summer Hill and Guy Lawrence specifically has by far been the best Mortgage Broker I've dealt with in the property game. He is responsive, clear and concise about the right mortgage and makes the whole experience seamless. Highly recommend

Nick
05 December 2022

Guy was fantastic to work with. He confidently led us through the whole process and secured us a great competitive home loan.

matt
27 September 2022

Guy and the team are lovely to deal with, professional and you can tell they really care about their customers. I wouldn't hesitate to recommend them to anyone needing a home loan

Jessica
18 April 2022

Guy really went beyond to ensure I got a great mortgage deal that meets all my needs. Highly recommend.

Andy
17 April 2022

Guy really went beyond to ensure I got a great mortgage deal that meets all my needs. Highly recommend.

Andy K.
31 March 2022

Marguerite from Mortgage Choice helped us find a very low interest rate for our home loan and really simplified the whole process of refinancing.

Russell & Susan
19 July 2019

We can't thank Chris enough for helping us secure our first property. He was an absolute pleasure to deal with. His communication was fantastic he was so patient with us through a difficult time, nothing fazed him. He made a very stressful processes feel like a breeze. I will not hesitate to recommend Mortgage Choice Gosford to my friends and family.

Leigh and Michaela Miller
19 July 2019

Christopher is just a gem, very personable and a delight to work with.

Feedback regarding the Broker Interview: Excellent

Feedback regarding the Updates and Followup: Excellent

Michelle and Vincent
19 July 2019

Step-by-step guide to home ownership

There are many steps involved in purchasing a property which can vary between residential and investment properties. This guide explains each step in order as well as what is involved at every stage of the purchasing process.

Download now

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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.