Craig Wakley Mortgage Broker in Albury, Wodonga, Thurgoona, Lavington & surrounds

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Call: 0421 232 987

As a long-term resident of Albury-Wodonga, Craig is passionate about helping home and business owners in his local community reach their goals. As an experienced mortgage broker with high level negotiation skills and extensive knowledge of loan products and policies, he tirelessly advocates for his clients achieving exciting, positive outcomes.

He provides a mobile service across the Albury-Wodonga region.

Call Us Mortgage Choice Thurgoona
Office - 0421 232 987

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

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Services

Client-focused and professional, Craig can assist you with tailored solutions for all types of lending, with particular expertise in home loans – owner occupied and investment; agribusiness; and asset finance.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Reverse mortgages (Referred to third party)
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)
SMSF loans
Loan protection insurance
Building/construction loans

Other areas I service

Advocating for your best interests, negotiating with lenders on your behalf and keeping you fully informed every step of the way, Craig is dedicated to simplifying your borrowing experience.

He provides a mobile service across the Albury-Wodonga region and surrounds.

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Albury, Wodonga, Thurgoona, Lavington and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with Craig to discuss your unique circumstances.

Ready to kickstart your journey to homeownership?

We’ll assist you along the way and do all the legwork for you! Call Craig today on 0421 232 987

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

My recent experience with Mortgage Choice taught me two things
1. I would NEVER have gotten the style of loan through the lender Craig found without help. The rate and conditions Craig sourced took time and expertise that I don't have.
2. Craig Wakley is my hero
Using Mortgage Choice's services cost me nothing in fact, I'm 100 sure it saved me money.
To me it's a no brainer - he's local, he's personable, a... read more

Alice
09 April 2024

I highly recommend Craig as he was able to get my loan across the line with minimal disruptions to my work.

B
08 April 2024

Craig was the best mortgage broker you could ask for - answered all of my enquiries promptly and efficiently. Sorted out pre-approval and unconditional loan approval as quickly as I could ask for. Gave me plenty of options in terms of which loan to go with. Helped me before I even had my deposit ready so I could forward plan and get an idea of what to expect. Couldnt recommend him more.

Erin
21 March 2024

I have just purchased my first property and with the help of Craig it was a very stress free process. Any questions I had were met with very informative answers and Craig was reachable at all times.
I couldnt recommend Craig any higher.

Callum
01 March 2024

Craig was amazing to deal with and helped us quickly and easily manage all aspects of our refinancing. His friendly, easy going demeanour coupled with his professional attitude made him a stand out choice. He was able to assist us in expediting our loan process to meet a very tight deadline. I would highly recommend Craig for any financing issues and I will certainly be using his services again.

Rowena
10 February 2024

Craig was incredible to deal with and no hassle was too big.
The process of refinancing our mortgage was effortless which says a lot

We will forever be thankful and look forward to further business together

Paige
30 January 2024

Craig is the definition of you reap what you sow.
Out of all the mortgage brokers I spoke to, he was the one I ended up choosing when buying my first home simply because of our initial phone call where He throughly explained the process and answered all my questions and put me at ease, knowing that Im in good hands and that he is a genuine person that cares about hes clients.
From start to finish I knew th... read more

21 January 2024

We recently had the pleasure of working with Craig from Mortgage from start to finish, the level of service and professionalism exhibited by Craig surpassed our expectations.

From our initial consultation, Craig demonstrated a profound understanding of the mortgage market and a keen ability to tailor his services to meet our specific needs. Craig was so patennt and guided us through the entire mortgage... read more

Rosie
12 November 2023

CRAIG IS OUR MORGAGE BROKER AND IF YOU WANT SOMEONE TO DO THE IMPOSSIBLE IT IS HIM.CRAIG NOT ONLY FOUND ONE BUT TWO LENDERS,TO TAKE ON US ALLOWING US TO OWNING OUR OWN HOME.HE IS AMAZING AT WHAT HE DOES.IF YOU EVER NEED TO FIND A HOME LOAN OR REMORGAGE CRAIG WILL GO OUT OF HIS WAY TO MAKE IT HAPPEN .THANKYOU CRAIG FOR EVERTHING YOU MADE A DREAM INTO A REALITY WE NEED MORE PEOPLE LIKE YOU THAT GO ABOVE AND BEYOND TO HELP YOUR CLIENTS ACHIEVE THERE GOALS.

Kim
26 October 2023

Craig was fantastic. He was so helpful and listened so patiently with our concerns over our experience with a prior Broker. I would definitely recommend using Craig for any of your mortgage needs. Thanks Craig

Deb
26 October 2023

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

Download now

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Calculate

You could borrow up to

Repayments
/ month
Expenses
Remaining

Based on standard variable rate over years.

Start the pre-approval process

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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

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.

Value of property

State

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First Home Buyer?

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Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
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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 $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.