David Brett and Luke Beeson - Mortgage Brokers in Norwood, also servicing Stonyfell, Crafers & Surrounds

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Call: 08 8363 3959

David and Luke are dedicated, approachable and extremely client-focused mortgage brokers who will go to great lengths to ensure your lending needs are met. They take the time to understand your financial goals and requirements, and ensure that you understand your loan options. They create long-term relationships with their clients and assist them in building a successful financial future.

Call Us Mortgage Choice Norwood
Office - 08 8363 3959

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

Address

39 Beulah Road NORWOOD, SA 5067

Latest home loan interest rates

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Services

As knowledgeable and details-focused mortgage brokers, David and Luke are able to help their customers achieve successful outcomes. They will guide you through each stage of the lending process and support your decision-making with accurate information, communicated clearly and effectively.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Bridging loans
Personal Loans
Car and asset finance
Insurance (third party referrals)

Other areas we service

Offering exceptional customer service aimed at taking the stress out of securing finance, David and Luke are always available to answer questions, ensure problems are resolved quickly, and can also liaise with real estate agents and conveyancers on your behalf.

David and Luke are fully mobile in Adelaide and its surrounding areas.

What is your borrowing power?

When you're ready to purchase your property, it's important to have a good understanding of how much you can borrow. We know that finding out how much you can borrow for a property can be a bit confusing, which is why we have some great resources at your disposal.

Feel free to check out our easy to use home loan calculators here or get in touch with us to discuss your unique situation.

Ready to start your home loan journey with our help?

Find out for yourself why our customers are so happy. We will make your next purchase an easy one.

Call us on 08 8363 3959 today.

Client reviews

Luke and Davide were very thorough throughout the process, and has helped us understand the options that would benefit us long-term. Highly recommend this team.

Kathleen
01 April 2024

If there only was a 6th star What a team they are Couldn't ask for much more From being great communicators and supportive in navigating the wild ride that home loans are... all the way to getting an email out of the blue to say by the way we have just saved you money again If you need someone who respects the big decisions you are making, who guides and supports you through, then look no further. Than... read more

21 February 2024

Luke and David went above and beyond to help us refinance and gear up for a purchase for which the goal posts kept moving. Every challenge we set them was met with a number of clearly detailed options allowing us to make the best choice. We will not hesitate to work with them again.

Michael
17 January 2024

David and Luke were absolutely amazing. As first home buyers, the process of making our purchase was super daunting. Not only did David and Luke walk us through everything and made things easy to understand, but they were happy to answer every single little question we had, of which there were many
Cant recommend them highly enough.

Alex
10 January 2024

A great team who were amazing to deal with and very patient with our process of buying a house. Luke and David both looked after us and answered all our questions. Made the whole process very comfortable and made us feel secure in our decisions. Thanks guys.

Drew
27 November 2023

These guys are awesome, have been through a few mortgage refinances with them and couldn't be happier, will use again

Tim
22 November 2023

Best mortgage broker I've ever used David is so efficient and just makes everything so easy. He's a top bloke too. You can't go wrong here.

Samantha
12 October 2023

David and Luke where great to work with and made the whole process easy to understand and a very positive experience. They were professional, friendly and great communicators. I will definitely be recommending them to others

Eleanor
14 August 2023

Everything was done better than expected, cheers for everything. David really knows his stuff

Thomas
13 August 2023

Home loan It's our pleasure to work with Luke Beeson and David Brett. We were new to home buying and he explained everything in a way that was easy to understand from the making the offer for the house to working with the mortgage banker. He was extremely helpful, open, transparent, and reliable through the whole process. Highly recommend for anyone looking for home loan.

Additional review after refin... read more

Trong
05 June 2023

It's our pleasure to work with Luke Beeson and his colleague, David Brett. We were new to home buying and he explained everything in a way that was easy to understand from the making the offer, to working with the mortgage banker. He was extremely helpful, open, transparent, and reliable through the whole process. Highly recommend.

The
13 June 2022

We would of been lost without Luke’s help throughout the whole process of refinancing our loan and applying for a construction loan. Coming from two people that aren’t very savvy in the banking/loan world Luke guided us through every step of the way, always checking in to see how things were going and giving updates on the progress of our applications. Would 100% recommend

Hannah
02 May 2022

Luke went above and beyond any service level expectation. The service received was exceptional. All communication was excellent and very timely. Luke followed up on every request and query. It was very refreshing to receive such a high level of service. We would highly recommend Luke to anyone

Dale
26 March 2022

Refinancing guide

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

Download now

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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.

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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 $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.

Click here for more information on the WA First home Owner Grant.

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David Brett and Luke Beeson - Mortgage Brokers in Norwood, also servicing Stonyfell, Crafers & Surrounds

Start your home loan journey today

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