Jane Vaughan, Mortgage Broker, Haberfield, NSW

Looking for a home loan? Talk to Jane Vaughan, your local Mortgage Choice broker in Haberfield, Concord, Abbotsford and surrounds. Let us research and compare more than 20 lenders for you.

Call Us Mortgage Choice Rozelle
Office - 0414 651 701
Fax - 02 8079 1186

Open Hours Mortgage Choice Rozelle
Monday to Friday 8am - 6pm
Saturdays 9am - noon
Free Appointment

Mobile Broker

Servicing Concord and surrounding suburbs. Meet at our office in Rozelle or we can come to you

Looking for a home loan? Talk to Jane Vaughan, your local Mortgage Choice broker in Haberfield, Concord, Abbotsford and surrounds. Let us research and compare over 20 lenders for you.

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

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Jane, Julie and the rest of the team were fantastic. This was my first time using a mortgage broker and would definately use and refer them again. They keep me informed throughout the process and provided a much more personalised service than my previous dealings with a bank. Thanks again.
Sam & Minhee, Waitara, NSW
- Upgrader

You guys have been outstanding, I will definitely be recommending to anyone I know / meet regarding this process.

We are looking at another place in the very near future so we will be going to round two shortly!

Thank you
Alex
Alex, Surry Hills, NSW
- Property Investor

Would have been lost without Jane she is meticulous, caring and always available.
Lucy & Paul, Surry Hills, NSW
- Property Investor

Hi Jane,

Thank you for your assistance throughout, your friendly approach & your efficiency 😊 will definitely recommend you to anyone needing mortgage services! All the best

Kind regards,

Samantha
Sam, Breakfast Point, NSW
- Upgrader

My experience with Mortgage Choice and in particular Jane Vaughan was excellent. Jane's expertise and knowledge is second to none and I would recommend her to all my friends and family should they require financing of any kind. Refinancing a mortgage is a stressful exercise under any circumstances but Jane was able to guide me through the entire process and made it really, really easy for me! Jane gets a GOLD STAR from me X
Donna, Sydney, NSW
- Upgrader

Jane was very genuine and had our best interests in mind. She made the process easy to understand and simple to go through. She is saving us literally $1000s per year with her advice and through managing our refinance.
Jane & Julian, Dulwich Hill, NSW
- Refinancer

:-) Keep doing what you do. Thanks
Both Jane and Julie took a lot of the stress out of organising our loan. With so much information out there it was reassuring to know someone was sifting through it with our best interests at heart.
Mitch & Jennifer, Blue Bay, NSW
- Property Investor

I was so satisfied with the service provided by Jane and Julie that I have recommended them to two family members, and would not hesitate to do so again for anyone else.
Shane, Pottsville, VIC
- Property Investor

I generally don’t write reviews here but the service we received from Jane was exceptional. She was helpful in all stages of our first home loan process and it was a smooth ride to get loan approved from one of the big 4 banks. Jane never minded even if I rang her over weekend to ask dozens of questions and I always found her efficient to do required follow ups.
Haseeb, St Marys, NSW
- First Home Buyer

I am so grateful for the efficient and on point service provided by Jane and her team. Again, the process of purchasing and securing finance was so easy and all my questions were answered. Thank you !!!
Leo, Toukley, NSW
- Property Investor

Jane and the team at Mortgage Choice were efficient, friendly and fast. I would not hesitate to recommend their services. Thanks ladies, your help was much appreciated.
Zora, Cecil Hills, NSW
- Upgrader

Always a great experience , the girls make the whole experience a lot easier and smoother will always return back to see Miss Janie Vaughan for repeat business , very happy customer
Paul & Jas, Katoomba, NSW
- Refinancer

Excellent! Jane and her team went above and beyond for us. We highly recommend them to anyone considering a new loan or re-finance. Thank you for making our transition such an easy one! Will and Michelle
Will & Michelle, Terranora, NSW
- Refinancer

Jane, and her team, were very professional and supportive throughout the whole process of purchasing an investment property. Jane always made herself available to deal with any concerns or enquiries and took the time to explain the information properly. I would have no hesitation in recommending Jane to my family and friends. I will be using Jane's services again in the future and would not consider using any other mortgage broker.
Rob & Ruth, Woolloongabba, QLD
- Property Investor

I had a great experience with Jane and her team in organising the financing for my first property. She was always friendly and took the time to explain to me any questions I had throughout the process. The whole process ran extremely smoothly with minimal stress.
Jonathan, Hurlstone Park, 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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