Your Mortgage Choice Broker in Adelaide CBD and Prospect

Call: 0400 201 848

Looking for a home loan? Talk to Flynn Sullivan, your local Mortgage Choice broker from Adelaide CBD & Prospect SA. Let us research and compare over 20 lenders for you.

Call Us Mortgage Choice Stirling
Mobile - 0400 201 848
Office - 08 8388 2655
Fax - 08 8388 2677

Open Hours Mortgage Choice Stirling
Early till Late
Free Appointment

Mobile Broker

Adeaide CBD, Prospect & Surrounding Suburbs.

Wecome to Mortgage Choice in Adelaide CBD and Prospect

Our first commitment is to our clients, and making sure you have the right loan for your life.

We work on being thorough, fast and flexible. We can meet any time or place that is suitable - our office, your home, even your place of work.

Getting great local advice on Home Loans and Investment Loans has never been easier.

Why choose our team?

I have over 10 years experience with Mortgage Choice
Mortgage Choice Single Operator award in the June 2005
Mortgage Choice Rookie award Winner March 2004
Mortgage Choice Rookie award Winner December 2003

We do all the research for you

Mortgage Choice has established itself as Australia's leading Mortgage Broker. We have access to a large panel of over 20 of Australia's leading bank and non-bank lenders which allows us to analyse hundreds of products to help you choose the home loan that best meets your needs.

We work to compare and contrast hundreds of loans to find you the right one. We also prepare all the paperwork and do the follow up with your chosen lender so you don't have to.

We can help you with:

Home loans
Property investment loans
Renovation loans
Car loans
Personal loans
Commercial and equipment finance
and more!

Our home loan service is no cost to you

There is no charge for our home loan service as the lender pays us when your loan settles.

At Mortgage Choice, the only thing that matters to us is the home loan that’s right for you.

To get expert advice to help you choose the right home loan at no cost to you, call 8388 2655.

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. ~

Client reviews

Would highly reccomend Flynn as he helped with purchasing a property and he explains things in simple terms to make things easier to understand

Daniel
10 October 2023

Flynn has help the family over a few years highly recommended

Gary
19 July 2019

Hi Flynn & William,

Thanks so much for your time and effort in helping Matt & I with our finances you have made the process so much easier for us both.

Thanks a million

Trish D
16 December 2017

Hi Flynn / William, Just want to say thank you to you both for all the assistance you've provided. Certainly made the purchase process so easy for Sharon & myself.

Angel.B
16 December 2017

The guys constantly kept us informed of how our application was progressing and took care of everything making the whole refinancing process easy.

Joanne S
16 December 2017

Thanks again for all your help throughout the process. Your advice and feedback along the way made the process much easier for me. There is just so much to know as a first home buyer so it was great to have someone there to help along the way. Please pass on my thanks to William as well. He was also very helpful and efficient in getting everything done quickly and in time for settlement. Will absolutely refer you to other friends.

Julia S
16 December 2017

Flynn came to our home,which is great for my husbands busy life. He makes you feel really comfortable and clearly knows what he is talking about. We felt we could trust everything he said. He was very efficient in everything he did. You feel like he is a friend rather than someone doing a job for you. We were thrilled with the service we received from Flynn.

Jamie M
16 December 2017

We have delt with other brokers before and were very unsatisfied and went above their head direct to the bank. Flynn service is just outstanding and even the real estate agent we bought thru was very impressed from his end.. before we have even signed the contract Flynn has spoken to agent regarding rental letters, copies of contract and various other documents. We would not hesitate to recommend and... read more

Mark C
16 December 2017

There has never been a question too big or small, nor a time that is too inconvenient for Flynn. He has helped us for years and I always give his name and card to anyone I know looking for a broker. Flynn really knows his stuff - and works hard to give us the best scenario for US. I have full trust in the knowledge Flynn has in the industry which is extremely important when making huge financial decisions and commitments.

Ryan S
16 December 2017

Great personal service, all queries answered (plenty raised!) - nothing was too much trouble and all details provided.

Thomas W
16 December 2017

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You could borrow up to

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Based on standard variable rate over years.

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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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There's a lot to consider when choosing the right loan.

The lowest interest rate from our lender panel is either standard variable or 3-year fixed for an owner-occupier. Rates and repayments are indicative 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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Total fees:

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Need help with your next home purchase?

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.