Harry Pal - your Local Home Loan Specialist and Mortgage Broker in Morphettville and surrounds

Call: 0430 826 805

Harry Pal - your Local Home Loan Specialist and Mortgage Broker in Morphettville and surrounds
Harry is a friendly, approachable and knowledgeable mortgage broker who has over 12 years’ experience in the finance and lending industry.

Call Us Mortgage Choice South Plympton
Office - 0430 826 805

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

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Services

Knowledgeable, professional and results-focused, Harry will work with you to develop a well-structured lending solution that’s tailored to your current circumstances and future goals.

Home loans
Investment loans
Refinance loans
Debt Consolidation
Debt Restructuring
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Reverse mortgages (Referred to third party)
Personal Loans
Car and asset finance
Small Business Lending
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)
SMSF loans
Loan protection insurance
Building/construction loan

To arrange an appointment, please call Harry on 0430 826 805 or email Harry here:

Other areas we service

Harry is a friendly, approachable and knowledgeable mortgage broker who has over 12 years’ experience in the finance and lending industry.

Fluent in English, Hindi and Punjabi, Harry is particularly able to assist South Asian immigrants. “As an Indian migrant myself, I understand and empathise with the difficulties that people in these communities often face when they come to Australia and need to find their way forward financially,” he says.

Harry is dedicated to providing an outstanding service to all clients and works hard to build long term relationships, based on honesty, trust and open communication.

He is based in Morphettville and offers a mobile service across greater Adelaide. He offers flexible hours and is able to meet at a time and place that suits you.

Why should you speak with a broker?

We provide real choice, looking to find you the right deal.
We work with multiple lenders, not just one – keeping competition alive.
We may negotiate a better outcome.
We help at a time and place that suits you, doing the legwork for you.
Our aim is to save you time and stress and get things moving as quickly as possible.

What is your borrowing power?

When you're ready to purchase your property, it's important to have a good understanding of how much you can borrow. We know that finding out how much you can borrow for a property can be a bit confusing, which is why we have some great resources at your disposal.

Feel free to check out our easy-to-use home loan calculators here or get in touch with us to discuss your unique situation.

To arrange an appointment, please call Harry on 0430 826 805 or email Harry here:

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

Harry organised a home loan for me in October 2023, and I have been really happy with the service I've received. He was extremely professional, very prompt with both email correspondence as well as phone and text. Harry was willing to answer any questions that I had and explained everything to me in a clear and concise manner. I would recommend Harry
Serena
26 November 2023

I have done my home loan refinancing with Harry couple of times and liked the services he offered.
He always tries to get a best interest rate and cash back deal plus maximum benefits from the bank.
Happy to work again with him in future.
Heramb
25 November 2023

Best person to deal with Harry is the man for all your finance needs, do visit him at mortgage Choice, just one meeting and following week we got the approval, so fast, I never thought it was possible specially when we only been in country for 8 months, not even 6 months at our job and got approved and he assured me from day 1 about the money we can borrow and I placed an offer on the house because I did... read more
Hs
23 November 2023

Has always been a good experience with Harry, very helpful and explains things in a way thats easy to understand highly recommend.
Lizzie
21 November 2023

Highly recommend Harry. He has been extremely helpful and knowledgeable helping us to buy our first home. Thankyou so much Harry
Leah
16 November 2023

Harry was the consummate professional, who had a fantastic understanding of what was required to secure a loan. He was meticulous in going through the details to ensure that an accurate result could be achieved. This process paid off as my loan was approved within a very short amount of time.
paul
15 November 2023

Harry, showed great care about my situation, an showed great work ethic, communication skills in getting me the right deal.
He was available to assist from start to finish.
Jason
Jas
14 November 2023

Harry is awesome, helpful and efficient. A big thank you to him to get our first home in Australia.
Sam
12 November 2023

I would highly recommend Harry to my friends and family. He is the best in the Adelaide. First home buyers contact him to fulfill your Australian home dream
Phouthavanh
12 November 2023

Harry was very polite, upfront and professional. Harry always followed up and communicated promptly. It was a positive experience having Harry to buy our home
Thank you Harry
Kiran
09 November 2023

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

Download now

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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 $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 $650,000.

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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