Mortgage Choice Taree - Your Home Loan Experts: Manning Valley and Great Lakes

Geoff Bush

Mortgage Choice Taree - Your Home Loan Experts: Manning Valley and Great Lakes

Call 0412 496 777

Looking for a home loan? Talk to your local Mortgage Choice Brokers located at Taree, NSW. Let us research and compare more than 20 lenders for you today.

Call Us Mortgage Choice Taree
Mobile - 0412 496 777
Office - 0403 185 748

Open Hours Mortgage Choice Taree
9 am to 5 pm Monday to Friday - Please Geoff on 0412 496 777.
Free Appointment

Address

41 Crescent Avenue TAREE, NSW 2430

Looking for a home loan? Talk to your local Mortgage Choice Brokers located at Taree, NSW. Let us research and compare more than 20 lenders for you today.

WHY MORTGAGE CHOICE ?

We have 20 plus lenders on our panel. This means we can offer you a wide range of professional Home Loan advice depending on your requirements:

Purchasing a home?
Refinancing existing home loans
Debt Consolidation
Investment property loans
Fixed vs Variable Rate decisions
Selling or Moving Home
Top up existing loans

Unfortunatley we are not accredited to do reverve mortgages.

We all work together to help you achieve your financial goals!

We have a genuine passion for property and finance, and you'll discover that we have a high level of enthusiasm, personal service and dedication. Assisting with your home loan application is just the beginning of our business relationship. Our main office is located at the at 41 Crescent Ave, Taree within the Forum Financial Services Offices. Ample customer parking is available at the rear of our office.

Fight back: health check your home loan

It's time to take control of your mortgage situation. Don't sit back and hope for the best while interest rates rise around you. Health check your home loan now.

We suggest these steps for researching refinancing:

Ask your lender about your exit fees.
Note this when weighing up the upfront costs of moving to, and setting up, another loan versus the overall savings. It may be cheaper than you realise or enough to keep you from moving. Either way, it's better to know than wonder.

Understand what you really need in a home loan.
Interest rate is important but it's not everything. There are many loan features available and some have ongoing fees attached. Perhaps you can save money by dropping features you don't use.

Research the market to see if there's a better home loan that's tailored to your needs. Trawl the internet, call a wide range of lenders or have a mortgage broker research for you.

Consider the pros and cons.
Add up your current loan's exit fees and the new loan's set up fees plus any other initial and ongoing costs. Compare that with the savings you will make during the time you will stick with this new loan.

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. ~

Thank you Charlie & Debra,

All finally went smoothly.
We were more than happy with your service & we thank you.
No problems with referring you. Just need to get to know some folk first.

Yours sincerely
Adele McCormack
Adele McCormack, Taree, NSW
- Upgrader

Thanks Debra, it has also been a pleasure for us working with you and Charlie. A great outcome. We will surely recommend you to anyone, as you were recommended to us.
Rose & Gordon Lloyd, Taree, NSW
- Upgrader

Bev & I would like to thank you very much for all your hard work in putting together our loan. It was not an easy task with our little second mortgage red flag getting in the way. We were very impressed with your excellent communication skills and handling the last hurdle during your Xmas/New Year holiday. Much appreciated.

We would definitely recommend your services to any future clients.
Colin and Bev, Central Coast, NSW
- Upgrader

Dear Sandie,
Just a thank you to let you know that we really appreciate all of your help over the years in handling our various home loan changes. It is nice to deal with somebody who has excellent knowledge in their field & genuinely cares about their clients.

Thanks again for all of your hard work and we will keep referring you!
Jamie & Rebecca, Great Lakes, NSW
- Upgrader

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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 $176,000 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.

The Territory’s First Home Owner Discount has been in place since 8 February 2019. It lets you save up to a maximum of $18,601 on the cost of stamp duty. The savings is available whether you buy a new or established home as long as the home is 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 $15,000 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 $400,000 or less for your block. Whereas if your first home is valued up to $500,000, you pay zero stamp duty. That’s a saving of $8,750, 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 $505,000, you pay stamp duty of $1,050, a saving of $7,875. These savings cut out altogether if your first home costs $550,000 or more. On a property valued at $550,000, for example, the stamp duty would work out to be $10,600.

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 or build a brand new home. You can choose from a house, apartment, townhouse or villa, but you will only be able to claim the FHOG SA if you pay below $575,000 for your home.

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 $20,000 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 Melbourne. Or you can receive a FHOG of $20,000 if you buy/build a new home in regional 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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