Mortgage Broker & Loan Specialist in Hurstville, Penshurst, Carlton, Mortdale, Kingsgrove, Peakhurst, Connells Point & Surrounds

Call Us Mortgage Choice Hurstville
Office - 0421 996 707

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

We help you make better choices, for a better life.

Mortgage Choice can compare hundreds of products from a wide choice of lenders to find a loan that's right for you. The company has helped over 350,000 Australians secure their mortgages.

Here is a wide range of services that we can offer:

First Home Buyers
Investment Property Loans
Refinancing or Top Up Existing Home Loans
Debt Consolidation
SMSF Property Finance
Personal Loans/Car Loans
Equipment Finance/Leasing
Home Loan and Insurance Review

About Me

15 years Banking experience specialising in commercial and residential lending. I've lived in the St George area for over 10 years and have a group of friends who I love to associate with. Apart from English, I speak fluent Mandarin and Cantonese.

Being an ex-banker, I am comfortable dealing with banks and familiar with their lending criteria and settlement process.

Here are some Most Asked Questions:

- I plan to buy another property. Can I use the equity in the current property?

- We would like to upgrade to a larger home. Do we have to sell the current one?

- My parents have a house and are willing to be my guarantors. Which lender accepts 'Family Pledge'?

- I just started a new job and am on probation. Am I eligible to apply for a home loan now?

- Do you do construction loans? We are interested in a house & land package.

- I have a few credit cards and personal loans and my credit score is not too good, do you have lenders that would consider?

- We are first home buyers and would like to know more about First Home Loan Deposit Scheme/stamp duty exemption...

Whatever situation you are in, I am here to help.

Call me on 0421 996 707 or click on the "Speak to us" link at the top of this page to book an appointment.

Servicing but not limited to these areas: Allawah, Beverly Hills, Blakehurst, Carlton, Carss Park, Connells Point, Hurstville, Hurstville Grove, Kingsgrove, Lugarno, Mortdale, Narwee, Oatley, Peakhurst, Peakhurst Heights, Penshurst, South Hurstville.

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

Jane Kuang has helped both my partner and I get into buying our first property with literally no stress. She was very professional, her attitude behind all of it made you feel like you have chosen the right person and made you feel stress free, her guidance through applications after applications was fantastic.
My partner and I in the first place didnt use a broker and went straight to one of the banks... read more

Wanda
17 November 2021

Jane has helped both my partner and I get into buying our first property with literally no stress. She was very professional, her attitude behind all of it made you feel like you have chosen the right person. Her guidance through the application was fantastic.

My partner and I in the first place didn’t use a broker and went straight to one of the banks to get a home loan. We were on a cooling-off period... read more

Wanda
15 November 2021

Jane is very professional and she works hard to understand me as a customer. She ensures that she takes my personal financial circumstance into consideration when proposing a loan. Jane is also very quick to respond. She definitely goes above and beyond the standard professional service

Ng
20 July 2019

Responsible staff, best advice and services

Julian
20 July 2019

Jane works very hard to understand your situation and do the best she can to satisfy your requirements or goal. Her responses are quick and is very informative. For someone like me who was new to mortgage, she was able to answer all my questions and assist me throughout the processes.

Karin
20 July 2019

Jane was very professional and answered our many questions in a way that we would understand. She always made herself available and accommodated all our needs. A great customer experience!

Giuseppina and Jason
08 July 2019

Our broker was wonderful, endlessly patient and informative. She even answered my inquiries when she was overseas on holiday! Thank you for all your help, Jane!

Eddie
08 July 2019

Jane worked hard to understand my situation and do the best she could to satisfy my requirements and goal. Her responses are quick and is very informative. For someone like me who was new to mortgage, she was able to answer all my questions and assist me throughout the processes.

Karin Chen
07 January 2019

We are very happy with Mortgage Choice because of the broker that we deal with. Jane works hard to understand me as a customer. She took my personal financial circumstance into consideration when proposing a loan. Jane definitely goes above and beyond the standard professional service!

Ng
07 January 2019

Jane has been exceptional in providing us with her services. She has catered to our demanding request of completing the loan end to end in less than 2 weeks. Without her persistence and determination, we would have never been able to settle on time. Really impressed. Thank you Jane!

Jeffrey Chui
25 March 2018

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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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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.

Click here for more information on the WA First home Owner Grant.

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