Glen Hine

Your local Newcastle home loan specialist and mortgage broker in Toronto and Lake Macquarie

Call: 0450 880 586

Looking for a home loan? Talk to the team from Mortgage Choice Toronto, NSW. Let us research and compare up to 20 lenders for you

Call Us Mortgage Choice Toronto
Office - 0450 880 586

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

Address

42A The Boulevarde TORONTO, NSW 2283

The team from Mortgage Choice Toronto are available at any time to answer your questions!

Buying your home or investment property is a major decision. We’re here to guide you through the entire Newcastle home loan process from first enquiry to settlement to help you make the right choice.

Book an appointment

Start your home loan journey today

As your mortgage broker in Newcastle we can help with:

First home buyer loans
Upgrading the family home
Refinancing for a better deal
All investment property loan needs
Motor vehicle loans
Personal loans.

Your needs come first

We listen to your needs so that we can match the right loan to your goals. Then, we sort through hundreds of loans offered by our panel of lenders including the big banks, to find the loan best suited to your goals.

We’ll assist with your loan application, submit the paperwork on your behalf and liaise with lenders, your solicitor/conveyancer and real estate agent so you enjoy a streamlined loan experience.

Great service at no cost to you

As your Newcastle mortgage broker, we do not charge you for our service. We’re paid by your lender at the settlement of your loan. So you enjoy even more value.

We’re passionate about building long-term relationships with our customers, and we’ll stay in touch to ensure your loan continues to meet your needs.

Let us come to you

Our office is located in Toronto but we serve the entire Newcastle area and can travel right throughout the Newcastle region to assist with your lending needs.

We’re here for you right across Swansea and Belmont to the City, Mayfield, Wallsend, Glendale and around the lake down to Morisset and Cooranbong.

Contact us today!

Mortgage Broker Newcastle & Lake Macquarie

Let us do all the shopping around and the paperwork, saving you time and money. With so many different lenders on our panel and hundreds of loan options, as your local mortgage broker in Newcastle, we will compare your current loan with the others in the market to see if we can find you a better one.

Home loan resources

We have a range of home loan resources to help you through your home buying journey. Check them out below!

Home loan calculators
Download our property guides
Watch our short videos about the home loan process

Call your local Newcastle mortgage brokers today!

Remember, your needs come first. So we are here for you 7 days including the weekend by appointment to suit your family and busy lifestyle.

To start achieving your goals call Mortgage Choice Toronto on 02 4016 8399 or click the Contact Us link at the top of this page to make an appointment.

Contact us today!

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. ~

Google Reviews

See all Google reviews

Need a home loan, personal or a car loan? Check out - Mortgage Choice - Glen Hine- based in Toronto. Will never back down on a hard loan .See him!!! He is amazing:) 0404880586 he works really hard, works after hours too and puts up a good fight with the bank.
Jenna, Maryland, NSW
- First Home Buyer

Glen took the opportunity to find out what I needed, provided options and explained the whole process as each step unfolded. Glen followed me up and continually kept me in the loop. I have not done this before (bridging loan) and had no idea of what was involved, Glen spelt it out in a language I could understand. Really professional but at the same time did not treat me as just a number.
Linda Mostogl, Buttaba, NSW
- Upgrader

Your service was excellent. You made the process stress free and easy to understand. You went over and beyond to help us and we are very grateful. SO lovely to deal with, very personable.
Hayley Lloyd, Davidson, NSW
- Upgrader

Rob and I would like to express our sincere thanks to Glen and Rachel for their outstanding customer service. Glen was able to help us with the refinance of our home loan when three of the big banks were unable to and nothing was ever too much trouble. We were kept in the loop every step of the way and the whole process from start to finish seemed effortless. I will certainly be recommending Mortgage Choice in Toronto to all our friends.
J Garland, Mayfield, NSW
- Refinancer

Your service to me was excellent, I would come back to Glen and Rachel before anyone.
D Smoothy, Fassifern, NSW
- Refinancer

Everything ran smoothly, it was a great experience.
Wonderful, easy. Best thing to do when buying a house...
C Mead & P Mead, Fletcher, NSW
- Upgrader

Rachel & Glen were both highly professional, helpful and experienced. They went over & above to make sure we had the best loan & rate possible for us. I wouldn't hesitate in recommending them to our friends in the future.
KR, Fishing Point, NSW
- Upgrader

Glen and Rachel provide a professional service, with supporting the customer as their key focus. They make the entire loan process as simple and straight forward as possible.
T Jones-Taylor, Warners Bay, NSW
- Refinancer

Very friendly and helpful. Everything was explained to me well and I felt welcomed at all times.
D Grant, Toronto, NSW
- First Home Buyer

Very happy with how easy and pain free it was to refinance my existing home loan.
Glen was able to answer all my questions and work with my loan requirements. Nothing was too much trouble. Thank you.
Mr Blackford, Wangi Wangi, Wangi Wangi, NSW
- Refinancer

Glen helped my wife and I get a home loan under very difficult circumstances. Excellent work!
C C, Lemon Tree Passage, NSW
- First Home Buyer

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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 $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.

Stamp duty concessions

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.

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 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.

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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Your local Newcastle home loan specialist and mortgage broker in Toronto and Lake Macquarie

Toronto

The team from Mortgage Choice Toronto are available at any time to answer your questions!

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

As your mortgage broker in Newcastle we can help with:

Your needs come first

Great service at no cost to you

Let us come to you

Mortgage Broker Newcastle & Lake Macquarie

Home loan resources

Call your local Newcastle mortgage brokers today!

The right home loan for your needs

Google Reviews

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Sam Maxwell

Mark Lantry

Annette Pinkerton Newcastle Real Estate Agent

Craig Lowth

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