
Fiona Kelly
02 Mar 2021
5
Debbie turns a stressful task into a straightforward process. She has helped me with mortgage financing 3 times and I have been very happy with her service every time. It's a re...
Mortgage Choice in Newcastle 
For more than twenty years Mortgage Choice has given Australians
the right home loan advice. And now, the right financial advice too.
As an Australian Mortgage Award finalists for 2016 we're very proud of our high levels of customer service in Newcastle and Lake Macquarie in the Home Loan and Financial Planning industry. We have the knowledge to help you reach your mortgage and financial goals. We service all areas of Newcastle and Lake Macquarie and have flexible appointment times 7 days a week till late.
Contact us today 02 4948 1955.
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. ~
02 Mar 2021
Debbie turns a stressful task into a straightforward process. She has helped me with mortgage financing 3 times and I have been very happy with her service every time. It's a re...
18 Feb 2021
Debbie Worthington was our nominated broker for the purchase of our first home. We highly recommend her services. She and her teams was very professional. Without their assistan...
16 Feb 2021
Kristy has done a great job of communicating with us and helping us to get a better rate and a better deal. Everyone in her office was really helpful and we couldn't be more ple...
15 Feb 2021
It is always a pleasure dealing with Debbie and her amazing team. I can go to her with problems and questions and she works each out specific to our needs. She knows what each b...
04 Jan 2021
We have used Debbie and the guys at mortgage choice now on a number of occasions from refinancing to home buying and cant recommend Deb and the team enough. Nothing is ever a pr...
22 Dec 2020
Kristie and her team are so professional and I can not thank them enough for all their help in securing our home . Highly recommend !!!!
10 Dec 2020
Debbie was fantastic and provided outstanding communication throughout the whole process.
19 Nov 2020
I continue to be impressed with Debbie and her team who have been looking after me by getting an improved mortgage with regular reviews with my lender, which has always improved...
27 Oct 2020
Kristie at Mortgage Choice Warner’s Bay is the the reason for our dreams coming true! She is honestly the most hardworking lady I know. I was astounded by the level of communica...
18 Oct 2020
Kristie and her team at Mortgage Choice Warners Bay went above and beyond helping us into our home.The service was outstanding, nothing was too much trouble (and we had some hic...
08 Oct 2020
I would recommend you's to others, you have made the loan process easy and we appreciate your help
07 Oct 2020
Nothing was too hard for Debbie and her term, they made buying our first home a breeze. They all went above and beyond for us. I highly recommend their services to anyone!
03 Oct 2020
After being told another mortgage broker could not help we reached out to Debbie after she came highly recommended by two of my colleagues. The whole process was super easy and...
16 Sep 2020
Deb is wonderful. Nothing is too hard and such a smooth transition to the new loan. Her team kept me up to date every step of the way. I highly recommend the wonderful professio...
01 Sep 2020
The quickest, easiest loan process ever! Thank you
01 Sep 2020
Could not recommend the team at Mortgage Choice enough! Kristie was so friendly & easy going & made the process so fast & stress free for myself and my partner to buy our first...
14 Jul 2020
Deb Worthington was great to work with. She's very down to earth and realistic with her recommendations. The team works well together at Mortgage Choice in Warners Bay, making f...
08 Jul 2020
I dealt with Kristie at Morgage choice Warners Bay. She was always happy to answer my questions and helped us to buy our first home. Would highly recommended Kristy at Morgage C...
24 Jun 2020
Deb and the team at Mortgage Choice always go the extra mile to get me good results with the lender. They always keep me well updated on the progress and never have any issues...
30 May 2020
Kristie and the girls at Mortgage Choice Warner's Bay helped us with the financials for our first home. Kristie goes absolutely above and beyond, nothing is ever a problem. Woul...
29 May 2020
Thanks to you and your team for friendly efficient service.
20 May 2020
Lost count how many loans we have now completed with Debbie and her team through Mortgage Choice but we always received 5 star service and results.
08 May 2020
The stress was removed. Debbie is an expert and knows exactly what we needed to do and what may happen. There were no surpises and the whole thing felt straight forward.
20 Apr 2020
Could not have asked for better service. Went over and above to find a home loan that worked for us, and provided great advice for protecting our financial future. Can't recomme...
19 Feb 2020
I received great service and ongoing communication from Mortgage Choice- Warners Bay during and after my loan application process. The whole team was very professional and alway...
11 Feb 2020
Excellent service! Kristie and co were very responsive and regularly kept me up to date.
11 Oct 2019
Been dealing with these guys for years! Highly recommended
08 Oct 2019
We cannot commend Kristie from Mortgage Choice more highly for the hard work and service we received. When approaching Kristie, we already owned one property and presented her w...
A big thank you to you and to all of your staff assisting with my finances.
Your company is very professional and I will recommend anyone to use Mortgage Choice.
Again a big thank you.
Adrian, OLD TOONGABBIE, NSW
- Refinancer
Based on standard variable rate over years.
Start the pre-approval process
Talk to an expertYour borrowing estimate
Monthly income
Expenses
You may borrow up to
Your monthly repayments
Total loan repayments:
Total interest charged:
There's a lot to consider when choosing the right loan.
Talk to an expertBreakdown | Amount |
Stamp duty on property | |
Transfer fee | |
Mortgage registration fee |
Need help with your next home purchase?
Talk to an expertFrom 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.
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
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.
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.
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.
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.
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.
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).
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.
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.
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 Melbourne. Or you can receive a FHOG of $20,000 if you buy/build a new home in regional 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.
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.
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.