Dale Bannerman

Mortgage Brokers in Wollongong, Corrimal, Thirroul and surrounding areas

Call: 0425 320 750

Do you need a top rated Mortgage Broker? Talk to Dale Bannerman, your local Mortgage Choice broker from Corrimal, NSW. Get in touch with our team to discuss your home loan requirements.

Call Us Mortgage Choice Corrimal
Office - 0425 320 750

Open Hours Mortgage Choice Corrimal
Office hours 10 - 4pm and after hours by appointment
Free Appointment

Address

4/104 Railway Street CORRIMAL, NSW 2518

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Top Rated Mortgage Broker in the Wollongong area

As a Mortgage Broker, I have access to a wide panel of lenders and over 300 products which ensures I am able to provide the product to best suit your needs. Whether you are purchasing your First Home, Upgrading , Refinancing or Purchasing an Investment property I will be able to help your navigate the jungle of home loan options with confidence.

Our exclusive Morgtage Choice software and principles ensure that I identify the most suitable solution to you. I live locally, own my own home and an investment property.

I put great value on the service I am able to provide to my clients and I see you as being my client for life working with you to achieve your financial goals.

Email Dale Bannerman

Want more information about the home loan process?

Our free property guides are packed full of information to help you navigate the process. If you're ready to lower your mortgage repayments or purchase a new property then you will find our guides extremely helpful.

Download your copy for free here!

Ready to get started? Call Dale on 0425 320 750 or "click" the contact us button to discuss your home loan requirements.

Mortgage Broker Dale Bannerman can help you with:

What do you need to prepare a home loan application?

Why should you choose us when organising your next home loan?

You can be confident that our recommendation is 100% based on the right outcome for your situation.

This is different to banks who will only push their own products. With us, this is not the case! Our mission is to see every homeowner and investor with the most competitive deal.

The best thing about using a Mortgage Choice broker is that through us, you have access to hundreds of home loans from over 20 lenders, including all the big banks and a range of specialist lenders.

To arrange an appointment please call Dale Bannerman 0425 320 750.

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. ~

Prior to booking my first appointment with Dale Bannerman I knew entirely nothing about home loans and the housing market. She provided me with the knowledge, expertise and guidance to feel comfortable enough to take the plunge and buy my first home. I am very happy with the package that I ended up choosing and would return to Mortage Choice again.
Gabriel Sciannimanica, Wollongong, NSW
- First Home Buyer

More than happy with this stress free process of obtaining a loan. Its nice to speak freely about what my requirements were and to know that Mortgage Choice had the knowledge and understanding of such a wide variety of banks to be able to suggest the best option for my needs.Thanks Girls!!!!
Nada McGrath, Fairy Meadow, NSW
- Refinancer

The folks at Mortgage Choice went above and beyond what we had expected. They made the entire process so easy and explained everything to us in ways we could understand.
John Burns and Rob Verkest, Wollongong, NSW
- First Home Buyer

My experience with Mortgage Choice was both professional and informative at all times. This is the second time I've used Dale for purchasing a property and I would not hesitate to use her services again.
Susan Curtis and Sandra DeJesus, Picnic Point , NSW
- Upgrader

Arranging a mortgage with Dale was easy and I felt very confident that she found me the most suitable lender. Throughout the process Monica kept me informed of the progress. The arrangements were straight forward, easy and provided the best deal available. Could not be happier with how easy and streamlined the application process went through
Donna, West Wollongong, NSW
- Upgrader

The service that is provided by Mortgage Choice is second to none. At every step on the process the communication was excellent and we felt continuously well informed. This is the third time that we have used Mortgage Choice but certainly not the last time. Thank you. Katie and Dean.
Dean and Katie, Thirroul, NSW
- Upgrader

This is the second time I've used Mortgage Choice,and the service I've received from Dale and Monica is outstanding!!
Anne, Wollongong, NSW
- Refinancer

The entire process was great. Dale listened to our needs and found the best options to suit. Once we narrowed it down and made our selection, Monica took over and kept us updated on what was happening and make sure we know what we needed to do at certain stages in regard to any further documents required or paperwork that needed to be completed. Both were always available for any questions that we had along the way.
Brendan and Mardi, Cringila, NSW
- Refinancer

Very attentive and professional service.
Kylie and Clive, Cordeaux Heights, NSW
- Refinancer

Dale was really accommodating at arranging times around very our busy work and family schedules. All her work was undertaken professionally at all times and met our every expectation. Additionally Monica kept us informed of the progress of our loan application throughout the entire process and any hiccups that occurred she was right onto it keep the progress going. Sensational effort by all.
Nick and Nadja, Russell Vale, NSW
- Upgrader

Mortgage choice were very friendly and easy to deal with from the first appointment to the Final settlement. They offered me a wide range of options and kept me well informed all the way through the process. I would happily recommend their services to any possible home buyer.
Jason , Figtree, NSW
- First Home Buyer

The mortgage choice team made the whole process of purchasing our first home so simple and easy! They were always there for support and every question I asked (and there were many) were answered promptly and in a way that was easy to understand. I wouldn't hesitate to recommend Mortgage Choice to anyone, especially first time home buyers
Liz and Rhys, West Wollongong, NSW
- First Home Buyer

Service was great second time I have used it and will again. More than happy to recommend mortgage choice to friends and family.
Mark , Mount Keira, NSW
- Refinancer

Getting our mortgage through Mortgage Choice was a great experience for both of us. We faced a few challenges in getting the right home, and Dale and Monica (our Mortgage Choice agents) were so flexible and helpful; working with us right up to settlement day. We appreciated the high quality of service we received through Mortgage Choice.
Lisa and Tony, Corrimal, NSW
- Upgrader

I'm very happy with Dales service. She has just completed organising my 3rd loan and wouldn't hesitate using her services again in the future
Kevin, Albion Park Rail, 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 $176,650 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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