Adam Broughton

Mortgage Broker in Bondi covering all the Eastern Suburbs of Sydney

Call: 0428 717 536

Looking for a Mortgage Broker in Bondi, Paddington, Woollahra or the Eastern Suburbs of Sydney? Talk to Adam, Mortgage Broker at Mortgage Choice Bondi

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

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

Address

Level 23, 520 Oxford Street BONDI JUNCTION, NSW 2022

Click to book in a Video meet or call with Adam

Welcome to Mortgage Choice Bondi.

Servicing the Eastern Suburbs of Sydney

Mortgage Choice Bondi 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 Bondi 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 30 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:

Book here

Servincing the Eastern Suburbs 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. ~

Google Reviews

See all Google reviews

Ever since I decided to buy my first investment property the team at Mortgage Choice Woolloomooloo were more than eager to help and have continued to do so.
Beyond just buying property they've led me to think more about my financial future and education. Understanding money is so important and its something I had never given much thought to before talking with them.
They've led me to a better understanding of how the investment process works which will continue to serve me well into the future.
Michael, Surry Hills, NSW
- Property Investor

We found Mortgage Choice to be very efficient and fast but still with a personal touch, basically it could not have been easier.
Robert & Petra, Paddington, NSW
- Refinancer

I was very happy with your service. This was a testing time for me, being my first property. Your high levels of communication & guidance made the whole process so much easier for me. Very much appreciated.
Peter, Bondi Junction, NSW
- First Home Buyer

I can’t speak highly enough of the job done by Mortgage Choice Woolloomooloo. I felt that I got the best deal and that they were ‘on my side’. They worked tirelessly to chase up all loose ends when others parties involved in the transactions fell behind the timeline, whilst keeping me informed of all events. They were patient and kind-natured and always ready to try a different avenue to get the job done.
Jason, Nollamara, NSW
- Property Investor

The Mortgage Choice Woolloomooloo team were a pleasure to deal with and nothing was a problem. Every step of the process went very well indeed and that was due to their professionalism and great attention to detail.
Paul S, Woolloomooloo, NSW
- Property Investor

Dear Susie & Adam

Many thanks for all your efforts getting this over the line...it got a bit tricky there. You have impressed us with your professionalism, knowledge & efficiency. We will use your services again for sure and won't hesitate to recommend you to family & friends.
David & Tom, Elizabeth Bay, NSW
- Property Investor

Thank you very much Susie. You and Adam have been great and we have found the whole experience a positive one. We would not hesitate to recommend Adam to friends/contacts.
Colin & Christine, Ultimo, NSW
- Refinancer

Hi, Adam and team.

Thank you very much for your help and guidance thru the loan and settlement process, very much appreciated. Looking forward to working with you again in the future.

Cheers Brian
Brian, Darlinghurst, NSW
- Property Investor

Hi Adam & Susie

Just another Thank you! to you for your support over the last couple of months!

I was very happy with the service and your counsel.

Thanks again
James, Woolloomooloo, NSW
- First Home Buyer

I have great confidence in the advice offered by Mortgage Choice. You guys have been of great assistance both in person and on the phone. Always a very friendly attitude and quick to point out what is good about certain products and what doesn't suit us. Thank you for all your help.
Amie, Box Hill, VIC
- Property Investor

Nothing short of exceptional, The whole experience with Adam and the team at Mortgage Choice Woolloomooloo has made me so grateful I met them.
Adam and Matt especially have shown a level of professionalism and efficiency which is rare. We will certainly recommend them to our friends and family.
Neil and Rocco, Elizabeth Bay, NSW
- Upgrader

The Team at Mortgage Choice Woolloomooloo are amazing. From the start, they made a potentially complex and daunting task easy with their prompt response, thorough approach and expert knowledge. I was kept up to date at every step of the way and I felt in control not only of the process but with the lenders as well. My refinance was finished within 6 weeks with a lender I couldn't be happier with at highly competitive rates - I will definitely be back!
Alex Kelly, North Bondi, NSW
- Refinancer

This is our 5th Mortgage with the team from Mortgage Choice Woolloomooloo in 2 years, they have been very professional and a pleasure to work with - which really takes the stress out of your property journey! Looking forward to the next one!
Patrick & Shona, 4811, QLD
- Property Investor

We have been using Mortgage Choice Woolloomooloo for many years and the team has been consistently friendly, helpful and professional. They have also got us some great interest rates! We have just completed some refinancing and the experience was excellent. I would highly recommend them.
Paul & Gordon, Elizabeth Bay, NSW
- Refinancer

The team at mortgage choice were outstanding from the start of this process to the end. Being my first home purchase, they provided many options, advice to make a overwhelming process a breeze. Susie gave me continuos updates and looked after everything for me so I didn't need to be. I couldn't ask for better service from Mortgage Choice,
Emily, Sydney, NSW
- First Home Buyer

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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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 $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 $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 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 $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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Mortgage Broker in Bondi covering all the Eastern Suburbs of Sydney

Bondi Junction

Click to book in a Video meet or call with Adam

The right home loan for your needs

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