Mortgage Broker in Henley Beach, Mile End and Plympton

Call: 0400 853 729

Darren Peters can help you with buying your first home, an investment property or upgrading the family home. As your mortgage broker, we will guide you through the entire process.

Call Us Mortgage Choice Mitcham Shopping Centre
Office - 0400 853 729

Open Hours Mortgage Choice Mitcham Shopping Centre
Monday - Friday: 9:00am - 5:00pm
Saturdays 10.00am - 4.00pm
After hours by appointment
Free Appointment

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Servicing Henley Beach, Mile End. Plympton and surrounding suburbs

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Mortgage Choice in Henley Beach, Mile End and Plympton can take the stress out of buying a new property.

As your local mortgage broker, Darren Peters, will help you to complete the required loan application paperwork, and manage the process with your lender right through to settlement. He will let you know how your application is progressing, right through to settlement.

As your mortgage broker, Darren will also let you know when it's time to review your home loan and refinance to a lower rate.

What makes us different?

At Mortgage Choice in Henley Beach, Mile End and Plympton, our paid the same model means we receive the same rate of commission regardless of which loan or lender you choose.

This sets our team apart from the rest of the mortgage broker industry!

Also, when you use a mortgage broker, it's important to know that there is no cost to you for our service. The lender pays us a commission after your loan settles.

While other brokers are paid different commissions based on the lender, Mortgage Choice brokers are paid the same rate, regardless of the home loan you choose.

It's part of what makes us different and ensures we always have your best interests at heart.

Reach out to our team this week!

Contact Darren today on 0400 853 729 to discuss your next step.

Mortgage Choice in Henley Beach & Mile End can help you with:

How can a mortgage broker help?

Our team of mortgage brokers can compare hundreds of highly competitive home loan options from a wide choice of lenders, including the big banks.

We make it easier for you by preparing the paperwork, lodging the application and following up with the lender for you as your loan progresses to settlement.

We can also help you with commercial loans, car loans, personal loans, asset ﬁnance, general insurance and credit cards.

Home Loan Property Guides

Looking for more information? If you would like to do some of your own research first, make sure you check out our home loan resources below!

Google Reviews

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Darren has provided great service, advice and options on residential purchases and vehicle finance. He knows the Adelaide property market well and can help first home buyers navigate the process. I highly recommend Mortgage Choice Darren Peters.
Bevan Jones, Henley Beach , SA
- Refinancer

We recently used Darren on a big financial decision for our family. He was very diligent in his feedback and provided great clarity with his advice. The conversation provided insight into the housing market and assisted us with our purchase. For our next investment purchase we will definitely be using Darren again.
Chaddy Owens, Mansfield, VIC
- Refinancer

Darren has provided great service advice and options on vehicle finance and residential purchases. I highly recommend Mortgage Choice, Darren Peters.
Sally Harvey, Henley Beach , SA
- Car Loan

Darren took the uncertainty out of the financing process and provided answers to all of my questions so that I could focus on the thing that mattered to me, purchasing my first home. Darren provides an end-to-end service with excellent and efficient communication, ensuring that I am getting the best value from my home loan. I absolutely recommend his service to first home buyers, or anyone who has or is planning to have a mortgage!
Chelsea Hart, Mile End, SA
- First Home Buyer

Darren knows his stuff. What I like is I have seen his own real estate investments so he is really experienced hands-on in developing.
Dan O'Connell, West Beach, SA
- Property Investor

Darren has provided great service, advice and options on vehicle finance, residential purchase and property development. Darren's knowledge of the Adelaide market combined with his exceptional customer service have been highlights.
Peter Economou, Netherby, SA
- Property Investor

Darren is honest and hardworking. We found him to be practical, logical and careful in obtaining relevant details before suggesting finance solutions. His experience in property development and his knowledge of the property purchase and sales process is a valuable asset to his clients. He has my highest respect and recommendation.
John Harvey, Mile End, SA
- Upgrader

Refinancing guide

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

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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 $176,000 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.

The Territory’s First Home Owner Discount has been in place since 8 February 2019. It lets you save up to a maximum of $18,601 on the cost of stamp duty. The savings is available whether you buy a new or established home as long as the home is 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 $8,750, 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 $505,000, you pay stamp duty of $1,050, a saving of $7,875. These savings cut out altogether if your first home costs $550,000 or more. On a property valued at $550,000, for example, the stamp duty would work out to be $10,600.

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 $20,000 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.