Mortgage Broker servicing Sydney's 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
We take the stress out of the home loan process. We focus on delivering the right home loan for you from our panel of over 35 lenders. We strive to provide exceptional service and communication throughout the process and our service comes at no cost to you.
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- 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
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.
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.
Lots of Choice
We compare over 35 lenders for you.
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.
Monday to Friday : 9:00am – 5.00pm
We specialise In
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.
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. ~
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.
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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.
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.
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.
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.
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.
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.
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.
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.
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