Greg Wilkinson & Mandy Taylor LOCAL to: Merriwa, Musswellbrook, Scone, Port Stephens, Newcastle, Hornsby & Ku ring gai
HONEST TRUSTWORTHY DEPENDABLE KNOWLEDGEABLE ETHICAL HUMANE
Together Mandy and Greg have over 45 years’ experience in the lending industry. They can assist and advise with all types of loans.
“We take care of you for the life of your loan, we don’t just set and forget!” says Mandy. “Our business runs entirely through word of mouth so if you’re not happy, we’re not happy.”
Together Mandy and Greg have over 45 years’ experience in the lending industry. They can assist and advise with all types of loans.
“We take care of you for the life of your loan, we don’t just set and forget!” says Mandy. “Our business runs entirely through word of mouth so if you’re not happy, we’re not happy.”
Merriwa
4.9
(91+ total reviews)
Aggregated from:
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Call Us
Mortgage Choice Merriwa
- Office - 0419 220 434
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Open Hours
Mortgage Choice Merriwa
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Monday - Friday: 9:00am - 5:00pm
After hours by appointment - Free Appointment
Services
This dedicated duo have the expertise to assist with finance for every life stage and type of loan required
- Residential Home Loans
- Property Investment Loans
- Construction Loans
- Refinance Loans
- First Home Owners
- Self Employed
- Business Loans
- Vehicle (cars, trucks, boats, motorbikes & caravans)
- Equipment finance (machinery, general plant & agricultural equipment)
- Self Managed Super Fund loans
- Personal Loans
- Bridging Loans
- Deposit Bonds
- Reverse mortgages
- Senior Finance
Other areas we service
We service clients Australia-wide and overseas!
Local to:
- Merriwa
- Scone
- Musswellbrook
- Port Stephens
- Newcastle
- Hornsby & Ku ring gai
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
I recommend Mandy and Greg to everyone I meet! They are an absolute pleasure to deal with and thoroughly know what they are talking about when it comes to loans
Benjamin
16 June 2021
We could not be happier with the service we received. It definitely exceeded our expectations.
Rita
05 October 2018
Greg and Mandy couldn\'t possibly have been more helpful. They got us a great rate and it was a totally painless experience. I wouldn\'t hesitate to recommend them to anyone who was looking for a mortgage or refinancing.
Daniel
04 October 2016
I highly recommend Greg and Mandy to all that I meet in the market for a new home. What a seamless experience with quality service and expertise.
Benjamin
10 August 2016
Mandy & Greg were always on top of everything, we could not have asked for better brokers! Amazingly happy with the service we received.
Belinda
02 January 2016
My dealings with Mandy and Greg were outstanding. They constantly kept me informed of every step and provided me with exceptional customer service which is an important part of the process, as I know previously working in the finance sector. Even after settlement, they have maintained contact to ensure all is going well and the service I am receiving from my chosen institution. I have recommended their services to many others..Thank you
Jennifer
13 November 2014
Mandy and Greg, went above and beyond with our mortgage requirements. They went out of their way to offer us the best solution for our needs, and educate us on all decisions.
Sarah
08 November 2014
Thanks again, Greg.
duncan
06 November 2019
Highly recommend Greg Wilkinson from Smartline Personal Mortgages. Excellent knowledge, service and communication. 10 out of 10.
Jim
21 June 2018
How to explain how amazing Greg Wilkinson from Smartline was to me and my family in helping us with our loan to buy our first home. Greg instantly made us feel comfortable and was on our side in getting the right loan for our circumstances. Greg went above and beyond for us! He made everything that needed to be done seem like no trouble at all, and when telling my friends at work what he was doing for us, th... read more
Rock
24 March 2018
Totally professional,patient,helpful and a delight to deal with. Went over and beyond my expectations
Catherine
21 April 2023
Greg was awesome, as always. Great clear, open, communication, always keeping us updated & always responding to our questions quickly & thoughtfully.
Recommend 100% & will always be our first port of call if needed.Therese
06 October 2022
Greg was excellent to work with throughout the entire process
Glen
05 June 2022
Thank you Greg, for once again helping us with our loan requirements. Greg always responds in a timely matter and answers our endless questions. Super happy with his help and follow up to complete our loan and would definitely highly recommend him.
Deidre
12 May 2022
Greg was extremely patient, despite regular setbacks from Building Companies. He also worked hard to ensure we were able to secure a building loan and never failed to keep up updated to where our application was at. Highly Recommended.
Trent
08 May 2022
First home buyer's guide
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.
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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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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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Need help with your next home purchase?
Talk to a brokerExtra 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.
Click here for more information on the WA First home Owner Grant.
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