Billy Boulton

Billy Boulton

Servicing the Wollongong and Illawarra Regions.

Facebook

Call 02 4261 8058

Billy and Anne Boulton - Your Local Mortgage Choice Brokers for Dapto, Shellharbour, Kiama and surrounds.

Call Us Mortgage Choice Dapto
Office - 02 4261 8058
Fax - 02 4229 9982

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

Address

9/47-51 Baan Baan Street DAPTO, NSW 2530

Mortgage Broker Dapto, Shellharbour & Kiama.

Looking to get into the property market on the beautiful South Coast? Purchasing your home or an investment property can be a difficult and demanding process. It's important to use an experienced broker who knows the local area, to help you achieve your financial goals sooner.

With over 17 years in the business, Billy & Anne Boulton have helped facilitate over $700 million of borrowings for their clients since they began as Mortgage Choice Brokers in 2001.

Whether you're:

A first home buyer
Seeking to invest in property
Constructing or renovating your home
Wishing to refinance or consolidate debt

Billy, Anne and the team can help you find the home loan or product most suitable to your requirements at no cost to you. They can answer questions such as:

"I am a first home buyer, what benefits are available to me?"

"I want to sell my house and move, what should I do and how much can I buy for?"

"Can I afford an investment property?

With so many banks and lenders competing for your business it's sometimes difficult to know where to begin. Mortgage Choice represents a wide range of banks and lenders with over 400 home loan products on offer.

We have our unique Loan Qualifier software that cuts through the maze and provides us with a number of options that we can then take, and present the best possible advice to you as your mortgage broker.

Our extensive experience in both the finance and home lending industry will ensure the home loan advice you receive is professional an appropriate for your circumstances.

We pride ourselves in offering a choice of lenders products, ensuring the home loan advice you receive fits your requirements. Once we have lodged your application we'll keep you fully informed of its progress.

Our commitment to you extends well beyond the life of any one loan. Once your loan settles we welcome you to join our many happy existing clients in using our service for all your ongoing home loan needs.

Servicing the suburbs: Gerringong, Gerroa, Kiama, Kiama Downs, Dapto, Horsley, Brooks Reach, Kanahooka, Koonawarra, Shellharbour, Oak Flats, Barrack Heights, Albion Park, Cordeaux Heights, Figtree.

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

Thanks so much to Billy Boulton and the Team for making our Mortgage update so easy. We are so pleased with the great service provided & that is why we have come back, & will keep coming back for years to come. Every encounter is warm and sincere & I know that any questions will be answered thoroughly & promptly & that our best interests are always at the forefront in the way they do business. Thanks again Mortgage Choice, we really appreciate you.
Larissa Parkinson and Matthew Jones, Port Kembla, NSW
- Refinancer

Billy and Nic have helped us through every step of the way. No questions went unanswered, they were always available and friendly! Very re-assuring during a stressful time. Would definitely recommend.
Carly Wonson and Dane Tobias, Figtree, NSW
- Upgrader

Billy - Absolutely fantastic service! So very patient, any question I have ever had you have always spent the time to answer and make sure I understand what you are saying. Very knowledgeable and reassuring! No one else we would use. Thank you! Lindsey - You are always on the ball and are wonderful at keeping us in the loop of the process' and where we are at. Very approachable and you always have time to check up on things for us. Thank you!
Brooke Neall and Brad Gray, Dapto, NSW
- Refinancer

Thank you Billy for being so tolerant of two highly-stressed control freaks. We did not think moving back to Wollongong would be possible, however you made our dream come true.
Louise Moulton, Figtree, NSW
- Refinancer

This is the second property that Billy has helped with. His service is outstanding and he has exceptional knowledge of lending. Lindsey was great, always responsive and kept us updated throughout the process.
Jacqueline and David Barton (1), Illawarra Region, NSW
- Refinancer

I was glad that I chose Mortgage Choice Albion Park and then Billy. Billy made us feel confident, comfortable and was easy to communicate with. Thanks to Billy for making the whole process easy.
Jason and Robert Tahitahi, Wollongong, NSW
- Upgrader

We were kept informed all the way. Purchasing or refinancing a home can be extremely stressful, Mortgage Choice made the process so much easier! We were made to feel like valuable clients ? not just a file.
Mark & Susanne Clift, Rose Valley, NSW
- Refinancer

Billy was very helpful to us when we purchased our property. He managed to re-jig our loan application so that we saved thousands of dollars by avoiding mortgage insurance.
Craig & Belinda Robinson, Mount Saint Thomas, NSW
- First Home Buyer

Once again, Billy and his team have helped me out securing a mortgage perfect for my needs. He is very professional and efficient. I definitely would not hesitate to ring Billy again in the future..... And I would always recommend him to friends. Thanks guys, you took the stress out of the whole process, I really appreciate it.
Paula Corbett, Mount Saint Thomas, NSW
- Upgrader

Will definitely be using Billy Boulton - Mortgage Choice for all of our future financial matters. Lindsay kept us updated every step of the way.
Ben and Karinda Rickard, Werrington Downs, NSW
- First Home Buyer

This is third mortgage for which I have entrusted the services of Billy & Anne Boulton and as was the case previously, I am totally satisfied with the high level of service provided, including great communication and follow up of any issues. I would be happy to recommend their services to anyone.
Greg Perry, Kingswood, NSW
- Upgrader

Mortgage Choice provided exceptional service from the start. This is our first loan and Billy was able to simplify the process, explaining it clearly and answering any questions we had. Billy also catered to our schedule, meeting up with us at our home at a time suitable for us. This is a rarity for any business in this day and age. During the settlement and loan processing period, Lindsey made sure we were kept up to date with frequent phone calls and emails. We will be recommending Mortgage Choice to our friends.
James Sharpham and Jennifer Goldner, Horsley, NSW
- First Home Buyer

My wife and I found the service Mortgage Choice provided was beyond our expectations in terms of cost savings and the speed with the loan application process. Billy Boulton provided us with the best mortgage option suitable to our situation and budget and handled the entire process and all our questions flawlessly.
Alaa (Alan) Hatem, Winston Hills, NSW
- Property Investor

Billy was clear and helpful in defining and comparing types of loans. Lindsey was excellent in providing up-to-date information and communicating about the loan process. Both Billy and Lindsey were friendly, courteous, helpful and professional at all times. I would definitely use their services again.
Rebecca Thompson, Winmalee, NSW
- First Home Buyer

A thousand times better than dealing with the bloody banks. And I love both their accents!
Emma Donlevy and Christopher (Chris) Pendergast, Bullaburra, NSW
- Upgrader

Help me calculate

More calculators

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

Need help with your next home purchase?

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.

State / Territorial Revenue Web Sites

View

Servicing the Wollongong and Illawarra Regions.

Mortgage Broker Dapto, Shellharbour & Kiama.

The right home loan for your needs

Google Reviews

Diana L

Suhaib Ozan

Mark Edwards

Tone B

Portia Pan

Anita & Drew Hood

Help me calculate

How much can I borrow

Home loan repayment calculator

Stamp duty calculator

2nd Applicant