Andrew D
26 May 2022
Number one mortgage brokers around ??????
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. ~
26 May 2022
Number one mortgage brokers around ??????
24 May 2022
Kristie and her team were beyond amazing from start to finish. Kristie went above and beyond to help us get our dream home. We cannot thank these guys enough. It has been a plea...
20 May 2022
Excellent service and friendly supportive, well informed staff. Highly recommended
07 Mar 2022
3rd house bought with Debbie Worthington. Easy helpful knowledgeable!!!
09 Feb 2022
Thank you Debbie for your professionalism , urgency and overall help. The team @ Mortgage choice has made our investment dreams come alive. Thank you
11 Dec 2021
It took us forever to find our new home, and Debbie was patiently with us all along. Outstanding service, flexibility and advice. Can’t thank her enough. Would highly recommend.
06 Dec 2021
Absolutely fantastic service, guided us first home buyers through the process at every step of the way and helped us deal with some major unexpected challenges along the way. Hi...
23 Nov 2021
Kristie and her team were very approachable and assisted with me buying my first house. They were able to get everything sorted with a very short settlement period and were able...
23 Nov 2021
Have worked with Kristie and the team in Warners Bay a few times now, and they are always amazing! Friendly, knowledgeable, responsive, proactive. They just get it done and ensu...
08 Nov 2021
Debbie and the team saved us so much time and stress when purchasing our home. This is the 3rd time we have used their services and highly recommend giving them a call if you ar...
04 Nov 2021
Kristie and her team made the whole experience of obtaining our mortgage loan so easy and fuss free. Highly responsive to all questions and emails,the utmost professionals. We c...
31 Oct 2021
Absolutely fantastic level of service and responsiveness. Answered any questions and catered to last minute adjustments with no issues at all. Highly recommend, if I ever need...
26 Oct 2021
After having a really awful experience with a previous broker we decided to reach out to the team at Mortgage Choice and our only regret is we didn't contact the team sooner :)...
23 Oct 2021
Debbie and the team are fantastic! Debbie was so helpful and she knows the market well and Debbie is creative in order to get the best deal for her clients. She is personal and...
21 Oct 2021
Kristie at Mortgage Choice was fantastic to deal with, especially as first time home owners. Clearly explained answers to our many questions, and quickly presented us with all o...
15 Sep 2021
Kristie was so helpful to me throughout the whole process of securing my mortgage. She was interested in not just the 'what' we were trying to achieve but also the 'why'. She...
09 Sep 2021
Debbie and the team at Mortgage Choice Warners Bay were absolutely incredible in helping us with the building of our new home. I can’t speak more highly of the service, responsi...
31 Aug 2021
I highly recommend Kristie and the team. I called them and from the time our 1st phone call was answered through the whole process Kristie went above and beyond to help us find...
28 Aug 2021
Debbie came highly recommended to us when we were looking to remortgage our current home. She and her team found us an amazing deal with huge savings and the process was simple,...
26 Aug 2021
Highly recommended Kristie Gould from Mortgage Choice. She is extremely knowledgeable and very personable. She found the best loan structure for my situation. She was incredibly...
24 Aug 2021
Mortgage Choice demystified the process of buying a home. Professional, courteous and kept me informed of where the loan application was at throughout the entire process. Cannot...
06 Aug 2021
I've known Debbie for 14 years, she was my eldest daughter first boss! And When my daughter and her husband bought their first home, they went to Debbie, 2nd Home Debbie, when...
02 Aug 2021
I had an amazing experience with Kristy from Mortgage Choice, exceptional customer service and very professional in all aspects. She went above and beyond to help my family. I w...
23 Jul 2021
Kristie and her team were AMAZING from the start to the finish of our build. Nothing was ever a problem and no question was silly. Kristie was honest and upfront about everythin...
21 Jul 2021
Helpful, responsive and friendly service from Deb and the team. Helped to negotiate the minefield that is mortgage and settlement so it was all very smooth.
08 Jul 2021
Made it all easy
18 Jun 2021
Worked with debbie at her morrisett office. All the information was clear and straight forward coming from her (which is amazing for someone who has no idea what they're doing)...
17 Jun 2021
Thanks so much for everything Kristie. You and your team have been a pleasure to work with and we have particularly valued the great communication. We have felt informed at ever...
07 Jun 2021
I highly recommend the services of Mortgage Choice. Kristie and her team have been amazing.
18 May 2021
I have had Debbie Worthington broker for us many times now and continue to go back because of the excellent service. She is so knowledgeable and she and her staff get back to ou...
13 May 2021
Debbie was amazing and so helpful with her no fuss, straightforward approach! She was incredibly efficient in sourcing our best options, and she guided us well through our first...
13 May 2021
Kristie and her team at Warner's Bay were amazing. Kristie was so helpful, patient and professional. I highly recommend them as a broker.
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
Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process.
Based on standard variable rate over years.
Start the pre-approval process
Talk to a brokerYour 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 a brokerBreakdown | Amount |
Stamp duty on property | |
Transfer fee | |
Mortgage registration fee |
Need help with your next home purchase?
Talk to a brokerFrom 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.
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.
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.
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 $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.
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 $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.
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 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.