Top rated Mortgage Broker in Balmain, Glebe, Leichhardt and the Inner West, Sydney

Call: 02 4578 9904

Looking for a home loan? Talk to Nicole Stapleton, your local Mortgage Choice broker from Drummoyne, NSW. Let us research and compare up to 25 lenders for you

Call Us Mortgage Choice Lane Cove
Office - 02 4578 9904

Open Hours Mortgage Choice Lane Cove
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
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Mortgage Brokers in Glebe, Leichhardt and Balmain

As a Mortgage Choice Glebe, Balmain and Leichhardt home loan expert, our team will find the right finance solution that is specific to your needs. We will take the time to explore your individual circumstances and goals to identify the right loan option for your needs.

This is different from when you go straight to a bank, where your options are often limited. Compared to going directly with a bank, as your broker, we are able to understand your financial situation and find the right home loan for you by comparing thousands of loans across multiple lenders and is not limited to the offerings of just one lender.

Book your free appointment today!

Why should you choose a Mortgage Choice broker?

When you choose to engage our services, we will help you take the time and hassle out of shopping around for the right home loan. As your Mortgage Broker in Glebe, Leichhardt and Balmain, Nicole Stapleton will guide you through the home loan process from start to finish. And the good news is that all the lenders are competing heavily for your business.

There are still competitive rates available, so it is a great time to refinance or buy your first property, upgrade to a better property or renovate to create your dream home, but it can be confusing so speak to our team of experts now to help you with your mortgage.

Over 25 lenders on our panel

At Mortgage Choice, we have over 25 lenders on our panel including the Big 4 (CBA, Westpac, ANZ and NAB) and hundreds of mortgage products, it is our goal to get you the most suitable and competitive loan for your circumstances.

We are 100% committed to finding you the right product with the right lender.

Call Mortgage Choice Broker, Nicole Stapleton on 0404 421 695 to discuss your home loan needs!

As your Mortgage Broker in Glebe, Leichhardt and Balmain, Nicole can help you:

How does it work?

Simply contact Mortgage Broker Nicole Stapleton and she will guide you through the process. During our initial consultation, we will meet with you (video/phone/or in-person) to discuss your goals and circumstances!

From there, we will assess hundreds of loan products from a broad range of lenders and present you with your options. We will then complete and submit the appropriate documentation then follow the application through to settlement.

Book your free appointment today!

Nicole is 100% committed to helping you find the right mortgage to suit your needs and circumstances. She is passionate about providing you with exceptional customer service. Nicole is here to help you save time and money on your loan and best of all there is no charge for our service.

Start with your property journey with our free guides!

Our property guides provide further information which may assist you with your home loan, no matter if it's for your first home or to refinance.

Download our free resources

_{Servicing all areas including Drummoyne, Leichhardt, Annandale, Forest Lodge, Glebe, Balmain, Balmain East, Rozelle, Lilyfield, Birchgrove, Summer Hill.}

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

Our experience with Nicole as a broker has been nothing short of amazing. Friendly, professional, honest, and great at her job. We will be recommending her to all friends and family.

Kaitlyn
27 March 2024

Nicole has supported us on our journey more than once and each time provided an excellent level of support. She is prompt, professional, thorough and reliable, but also generally a pleasure to deal with. Highly recommend.

Sarah
25 September 2023

We worked with Nicole as a new home buyer 6 years ago and were very happy with her service and recently worked with her again to purchase our new home.

Over the years weve contacted Nicole for advice and she has been extremely responsive and helpful.

Id recommend Nicole to anyone looking for a broker.

Brett
24 September 2023

When Nicole and I first met in 2018 I was living in a double income household with great prospects.
When we reconnected again in Oct 2020 during the peak of the COVID pandemic I was transitioning from Sydney to Brisbane and my situation has changed dramatically.

At that time, I had fluctuating work hours, was a single parent of two boys and completely uprooted as I was living in an Airbnb at a bo... read more

Anna
11 September 2023

Nicole and her team were very helpful in guiding me through the process of getting my first property, I thoroughly recommend her

Jeremy
06 July 2023

Great service by Nicole and her team. Thank you

De
19 June 2023

Nicole and James are fantastic to work with and made sure I got a great deal

Lucy
14 April 2023

Nicole, Lesley and James were with us every step of the way on our journey to buying our first home. Their guidance and support was invaluable to us as first-timers and there was no such thing as silly questions. We would highly recommend you choose Mortgage Choice to take with you on your home buying journey

Robert
04 March 2023

Nicole is a dedicated professional who genuinely wants to help her clients realise their home-owning dreams. She understands with the greatest of empathy how successfully securing a loan can change lives. She has deep knowledge of the industry and expert understanding of how to maximise loan applications. She went above and beyond for us and I would not hesitate to highly recommend her.

Angie Kelly
07 October 2022

Nicole is a dedicated professional who genuinely wants to help her clients realise their home-owning dreams. She understands with the greatest of empathy how successfully securing a loan can change lives. She has deep knowledge of the industry and expert understanding of how to maximise loan applications. She went above and beyond for us and I would not hesitate to highly recommend her.

Angie
14 September 2022

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

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.

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