Mortgage Broker servicing Sydney's Eastern Suburbs and beyond

Call: 0428 717 536

Experience seamless home loan solutions with us. We specialize in simplifying the home loan process, ensuring a stress-free experience for you. Our priority is matching you with the perfect home loan from our extensive network of over 35 trusted lenders. Expect nothing short of exceptional service and clear communication every step of the way. Best of all, our services come at zero cost to you, making your journey to homeownership effortless and rewarding.

Call Us Mortgage Choice Randwick
Mobile - 0428 717 536
Office - 02 9358 4855
Fax - 02 8572 8205

Open Hours Mortgage Choice Randwick
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
Free Appointment

Our top 5 lowest interest rates available

Fixed rates
Variable rates

Lender

Interest Rate*

Comparison Rate

Lender

Interest Rate*

Comparison Rate

Credit criteria, conditions, fees and charges apply. Subject to suitability. The comparison rates in this table are based on a loan amount of $150,000 and a term of 25 years. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

Click to book in a Video meet or call with Adam

Welcome to Mortgage Choice in the Eastern Suburbs of Sydney.

Servicing the Eastern Suburbs of Sydney

Mortgage Choice in the Eastern Suburbs of Sydney is owned and operated by Adam Broughton. Adam has lived and worked in the Eastern Suburbs of Sydney for many years. Operating within the Eastern Suburbs we are your local home loan expert. Mortgage Choice in the Eastern Suburbs of Sydney is here to guide you through the mortgage application process and help you make the right decisions, take away the stress and secure you the best deal.

Meeting options

We are happy to meet via a video conference call

Lots of Choice

We compare over 35 lenders for you.

Less Stress

We complete all the hard work for you. We will source the most suitable product and keep you well informed throughout the process giving you peace of mind.

The right advice

We offer you our professional mortgage broking service for no charge, we take the time to understand your short and long term goals and guide you through the process from start to finish.

Our clients aren’t limited to the Eastern suburbs; many of our clients live out of state and internationally.

We are happy to chat through your lending scenario so feel free to call us (02) 9358 4855 during business hours to arrange a meeting or click the 'Speak to us' button at the top right corner of this page and we will give you a call back when its convienient to you.

Office Hours:

Monday to Friday : 9:00am – 5.00pm

We specialise In

Property purchasing

We will work out how much you can borrow, detail the costs associated to the purchase, get you pre approved with your chosen lender and get you ready to buy. We will guide you through the whole buying process. You can trust us to take away the stress and manage the process from start to finish.

Refinancing

We will understand your current needs, review your existing home loan, research the market and negotiate the best deal on your behalf. We will manage the whole process of moving from one lender to another on your behalf. We will provide clear communication to you throughout the process.

First Home Buyers

We understand that buying a home for the first time can be daunting, so it is important to have a professional on your side. We will meet with you, explain the process from start to finish in detail and help you navigate First Home Buyer incentives such as the First Home Loan Deposit Scheme, Stamp Duty Concessions and Grants. We will then help you pull everything together, empowering you to buy so that you can own your first home sooner, and with less stress.

Book in a 15 minute chat with Adam Broughton today:

Servincing the Eastern Suburbs of Sydney including, Woolloomooloo, Kings Cross, Potts Point, Double Bay, Paddington, Waterloo, Bondi Beach, Bondi Junction, Vaucluse, Rushcutter Bay, Woollahra, Waverley, Tamarama, Bellevue Hills, North Bondi, Moore Park, Centennial Park, Darling Point, Rose Bay, Bronte, Watsons Bay

Refinancing of home loans, New Home purchases, First Home Buyer loans, Refinancing of Investment loans, Construction Loans, Off-the-plan investment purchase, investment property purchases, Personal loans, Car Loans & Equipment Finance, Debt Consolidation loans, Fixed, variable and interest only home loan packages, Life and income protection insurance

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

I recently had the pleasure of working with Adam, and I cannot express how grateful I am for his exceptional service as a mortgage broker. From the moment I reached out to him, he was attentive, professional, and went above and beyond to ensure that I had the best mortgage solution for my needs.

Adam's knowledge and expertise in the mortgage industry were evident throughout the entire process. He p... read more

Olena
22 March 2024

Adam was so patient and supportive throughout the entire process. We really appreciate all his professional guidance and advice

Reyne
04 March 2024

This is the second 5 star review I've had the pleasure of giving Adam. I recently re-financed through him and believe I received the most competitive rates for both my home loan and investment loan.
He communicated very effecitvely throughout the process and gave quick and solid advice.
I highly recommend him to anyone and will definitely be in touch with him in 12 months time to see how my loans compete with the market.
Thanks again Adam

Kathryn
24 February 2024

Adam has been incredible throughout my first foray into the property market. Super friendly and always available to take a call from me, hes very knowledgeable and was able to give me a lot of information and advice in the process. Hes also very prompt and thorough in actioning everything. Recommend to anyone looking to secure a loan.

Michael
14 February 2024

Great experience Adam helped me through the process from start to finish. His knowledge, guidance and communication made everything so easy and trouble-free. Even after, he is always there to assist and answer any additional questions I have.

Olivia
27 January 2024

Cannot rate Adam Kim highly enough. I've used Adam now for a decade across two home loans and refinancing. He's super responsive, efficient and highly personable. I implicitly trust his judgment expertise in getting the best deal for our particular circumstances. Kim has been outstanding in managing settlement banking for us by being across the detail at all times and dealing effortlessly on our behalf with the bank.

Illawarra
15 January 2024

Adam has been our broker through a number of property purchases and we've been consistency pleased with the rate loan terms he's secured. Importantly, Adam is also really easy to work with, always responsive and congenial, and patient. Thank you for helping us get our new house

Victoria
06 December 2023

Adam was fantastic to work with since the first phone call. Adam took the time to explain the mortgage application first time buyers and answered all of my many questions.
Our application took a bit of time onto our together as my husband is self employed so there was a bit of forth and back to make sure we had the correct documentation. Adam was so patient and helpful. The thing I loved most is ho... read more

Adrienne
26 November 2023

Adam is a really knowledgeable and helpful broker. My family and I were so grateful to get his assistance and expertise when we needed it. Thank you Adam

Kellie
29 September 2023

Wow I couldn't recommend Mortgage Choice enough especially if you are a first time home buyer like me. Adam is super knowledgeable and will find the best mortgage finance option for you. Adam really took the time to educate me on the financials, the different providers and end-to-end process. The whole experience was very smooth, with conditional approval taking 1 business day. Kim was also on hand... read more

Georgina
26 September 2023

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.

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