Mortgage Broker Byron Bay, Lennox Head, Lismore, Alstonville, Ballina & the Northern Rivers
(78+ total reviews)
- Call Us Mortgage Choice Alstonville
- Office - 02 6628 6130
- Fax - 02 6628 8936
- Open Hours Mortgage Choice Alstonville
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
- Free Appointment
Shop 6, Alstonville Plaza, 6/9 Robertson Street ALSTONVILLE, NSW 2477
Start your home loan journey today
Your Local Mortgage Choice brokers for the Northern Rivers region
Hello and welcome to my website, I'm Janet Jenner, your friendly Mortgage Choice Mortgage Broker for the magnificent Northern Rivers region, including Byron Bay, Lennox Head, Lismore, Alstonville and Ballina.
With 20 years experience as a Mortgage Broker, I've helped hundreds upon hundreds of families and individuals secure finance to buy their dream home in the region, and I'd love to help you!
Professional Service with the Personal Touch
That's what I aim to provide, and what so many of my clients that are moving into their dream homes or building their portfolio say in the kind letters I receive. The key elements to achieving this for me are knowledge and understanding: in-depth knowledge of the lending market, and a true understanding of your goals. With this in hand, we will find the loan that's right for you, then it's a matter of letting my friendly personality and passion for details, see the process through.
Leave the Legwork to Me
Another comment I hear quite frequently is that people didn't realise just how much I would take care of. You see, being a Mortgage Choice Mortgage Broker is more than researching loans. So let me explain just how my services work, to give you an understanding of how simple and stress-free I can make the process.
- We start with a chat to discuss your needs and dreams.
- I'll research the market to find loans suited to your individual circumstances.
- We'll go through your options, discussing in detail every angle of every loan.
- I will complete, check and submit your application.
- I will liaise with the lender and all the other parties involved right through to settlement.
- I am also totally available to answer any post-settlement questions, and I'll be here in years to come to look at options for whatever life brings.
So that's it, that's me and how I operate, and even now, after 20 years, I still feel the same sense of joy and pride as I did when I watched my first family move into their dream home.
Give me call and let's start working on your dreams.
Working in this wonderful area, I have experience across the widest array of lending scenarios, from first homes and investment homes, to acreages and more. I can provide you with my insight and understanding no matter what finance solutions you are seeking. My expertise covers:
- First home buyer loans
- Investment loans
- Construction loans
- Refinance and debt consolidation
- Car loan and leasing
- Personal loans
- Finance for renovations
- Finance for regional acreages
- Finance for co-ownership and property share agreements
- Home loans for the newly arrived (including working, spousal and other visas)
- Equipment leases
- General insurances
Servicing: Lismore, Casino, Lennox Head, Ballina, Byron Bay, Myocum, Alstonville, Wollongbar, Kyogle, Yamba, Ewingsdale, Suffolk Park, Teven, Tintenbar, Newrybar, Clunes, Bangalow, Wardell, Pimlico, Bexhill, Richmond Hill, Dunoon, Modanville, Geneva, Wyrallah, Coraki, Woodburn, Broadwater and Evans Head.
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. ~
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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.
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.
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.
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.
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.
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.
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.
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.
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