Mortgage Broker Byron Bay, Lennox Head, Lismore, Alstonville, Ballina & the Northern Rivers

Call: 02 6628 6130

Looking for a home loan? Talk to Janet Jenner, your local Mortgage Choice broker covering Byron Bay, Lennox Head, Lismore, Alstonville, Ballina and the Northern Rivers region.

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

Address

Shop 6, Alstonville Plaza, 6/9 Robertson Street ALSTONVILLE, NSW 2477

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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.

Kind regards,

Janet Jenner

Services

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. ~

Client reviews

Great service very friendly atmosphere made us feel very at ease throughout the whole process all the way to the settlement

Scott
25 October 2023

Thank you to Kahlee, Rachael, Nicole and the team at Mortgage Choice in Alstonville for your hard work in helping us get across the line with our refinancing. Well done

Alfredo
26 September 2023

Thank you to Janet, Rachael and the team at Mortgage Choice Alstonville for obtaining a home loan for us when we had lost hope that we could own our own home again Your knowledge, professionalism and integrity have helped us to achieve stability, safety and security now and in the future. Thank you from the bottom of our hearts

Silver
20 September 2023

Exceptional work, without the of kahlee and the mortgage choice team we would take have been able to achieve buying our beautiful home, not only did they provide amazing customer service, they also simplified, listened and explained answers to all questions asked. Couldn't have asked for a better broker in my corner

Jason
05 June 2023

Janet is a quality professional whose calm demeanour helped us through the stress of buying and selling

jeremy
19 March 2023

Kahlee is incredibly informed and across everything I needed to know. Extremely helpful, professional and efficient. I couldn't recommend more

Bridget
26 February 2023

Kahlee and the team at Mortgage Choice Northern Rivers have been absolutely fantastic As a first home buyer, I had no idea what I was doing. Kahlee and the team explained the whole process in terms that I could understand and were with me every step of the way, answering all my silly questions.

I highly recommend this service to anyone who is purchasing a home in the Northern Rivers. Thanks team

Allison
08 December 2022

I am still in the beginning stages of my journey with Mortgage Choice but had to comment on the incredible customer service I have received from Rachael. She has been so helpful and informative every step of the way. She always responds efficiently and is always happy to take my call. Looking forward to continuing this experience at Mortgage Choice.

Josie
27 November 2022

We found the parcel of land we wanted to build our home on and wanted to put an offer in to secure it
Being a young self employed partnershipbusiness and First home buyers, with very little idea where to start in the whole process.
We really doubted if any bankslenders would consider us

After talking to so many online mortgage brokers before Mortgage Choice, telling us over they didnt have a lending... read more

Georgia-Rose
17 October 2022

My experience dealing with Kahlee from Mortgage Choice Northern Rivers was very satisfying. I found the manner in which my financial business was handled by Kahlee and her associates to be of the highest professionalism and would highly recommend their services to anyone looking to refinance or top up their mortgage. A pleasure to deal with.

Lori
22 June 2022

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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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Mortgage Broker Byron Bay, Lennox Head, Lismore, Alstonville, Ballina & the Northern Rivers

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