
Michael Lewis-Jones
30 Nov 2020
0
Thank you Ashley, for your amazing work over the last few months. Specially in that last 2 weeks pushing the bank to get their work done in time for settlement. We chose to use...
Mortgage Choice in Concord
To better understand how we can help you achieve your goal of home ownership or the building of a property portfolio, you simply need to click on the Contact Us link above or call us on 02 8765 8700.
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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. ~
30 Nov 2020
Thank you Ashley, for your amazing work over the last few months. Specially in that last 2 weeks pushing the bank to get their work done in time for settlement. We chose to use...
03 Nov 2020
Thanks so much to Ashley, who did all the hard work to help me increase my loan so I could finally buy a new car. To begin with she researched my options, which I had found most...
18 May 2020
I can't fault the service that Gary, Ashley and the whole team at Mortgage Choice Concord provided for our recent home loan. It's been a long process for my wife & I to purchase...
20 Mar 2020
This is the third loan I have got through Mortgage Choice Concord. They found me an exceptional rate, did all the necessary paperwork and answered my emails over the weekend an...
08 Oct 2019
I just settled my first investment property with the team at Mortgage Choice Concord and could not recommend them any higher. The whole process was flawless, stress-free and I'm...
01 Sep 2019
My husband and I are very grateful for all the support and help from mortgage choice specially Ashley Bieser in the process of buying a property. She always responded super fast...
02 Aug 2019
Myself and my wife recently applied for a mortgage through Mortgage Choice Concord, and honestly couldn't have wished for a better experience from beginning to end. Ashley, Gar...
30 Jul 2019
Highly recommend. Gary is fantastic, very friendly and makes the whole home loan process easy and comfortable.
26 Jul 2019
Gary and Ashley work tirelessly to secure the right loan for their clients. Our financial situation was not straight forward however nothing was ever an issue and they went way...
22 Jul 2019
We have shared our financial journey with Mortgage Choice Concord for over 6 years. From purchasing our home, to obtaining loans for business equipment or the annual Financial P...
28 Jun 2019
My partner and I recently purchased a property with the assistance of Ashley from Mortgage Choice Concord. Ashley offered world class, best practice customer service. She took a...
22 Jun 2019
Mortgage choice in Concord provided an excellent service in all aspects. Ashely was amazing in that she found the good deal from the bank and made it possible to have 2nd settle...
14 Jun 2019
Mortgage Choice Concord provided an excellent service. We worked with Ashley, who was always on top of everything and helped us in every step of the way. Highly recommended!!
09 Apr 2019
Our first property investment and Ashley made the experience super easy and we settled ahead of schedule! We were always informed and Ashley was a pleasure to deal with. I can h...
17 Feb 2019
Ashley & Gaby were always just a phone call or email away. They kept us in the loop every step of the loan application process and did an excellent job to put us into our first...
08 Dec 2018
Ashley went above and beyond answering all our questions, no matter how silly, while keeping us informed and supported through the entire process.
27 Jul 2018
Excellent and hassle free initial setup, ongoing great service and good advice. Gary is genuine and puts in a tremendous effort with what he does.
01 May 2018
We have been using Gary and his team for 16 years for all our mortgage needs. They have always communicated exceptionally well and promptly during the whole process. They consis...
16 Jan 2018
The Mortgage Choice Concord team provided a dedicated service that I knew I could rely on. Every team member made it clear that they were only a phone call away to answer any of...
18 Jul 2017
This is our third dealing with Mortgage Choice Concord. We already know in advance that the entire process of refinancing will be handled by a very capable team. Mortgage Choice...
26 Jan 2017
Took all the legwork out so I could focus on my own work.
22 Sep 2016
The Mortgage Choice Concord team were very professional and always happy to assist with any questions. Obtaining the loan was a very smooth process. We would definitely be wor...
16 Aug 2016
Gary & his team are very helpful & concise through out the whole mortgage process.
17 Mar 2016
I've worked with Gary before when I purchased a property in Sydney. I am now in Melbourne and feel very comfortable working with him and his team. Gary is very thorough in his w...
23 Dec 2015
Very helpful and accommodating service. Took the time to understand my situation and worked hard to ensure all aspect of my purchase were easy for me.
04 Aug 2015
I'm glad I approached Mortgage Choice Concord. Working with Sam made the process easy and worry free on my end. I would definitely recommend them to friend's and family.
16 Jun 2014
Excellent Customer Experience!!! What more could I say...the service provided by Sam was with utmost professionalism and had removed a lot of stress related to being a first hom...
03 Jun 2014
We are first home buyers with no real experience of the Sydney property market and mortgage options. Gary Bieser was exceptionally helpful and always on call to answer our queri...
24 Apr 2014
We thank Mortgage Choice for all the assistance provided to us. Since we were first home buyers we had little knowledge of the process involved especially the finance part. Mort...
10 Feb 2014
This was the second time we used Mortgage Choice Concord and I would use them again should the occasion arise. Everyone we had contact with there left as feeling confident and w...
13 Mar 2013
Gary has been handling my personal home lending for years. I have known him personally for about 30 years and find his advise to be helpful and accurate. His business dealings a...
There are many steps involved in purchasing a property which can vary between residential and investment properties. This guide explains each step in order as well as what is involved at every stage of the purchasing process.
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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.