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

Call: 02 6628 6130

Buying a home is the biggest financial decision you will ever make. As such, it is important to work with a mortgage broker you can trust. Get in touch with our team of brokers to discuss your home loan requirements.

Call Us Mortgage Choice Alstonville
Office - 02 6628 6130

Open Hours Mortgage Choice Alstonville
9:00am - 5:00pm
Monday - Friday
Free Appointment

Address

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

Latest home loan interest rates

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Mortgage Choice brokers in Byron Bay, Ballina, Alstonville and Lennox Head

As your local Mortgage Choice broker in Alstonville Joel & Tim will provide you with access to a wide choice of lenders, including the major banks.

They understand the loan pre-approval requirements of these lenders, making it quicker and easier for you to apply for pre-approval.

And, when you have found your ideal property, we can streamline your formal loan application by preparing the paperwork, lodging the application and doing all of the follow up on your behalf!

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.

Did you know we can help with all your business lending needs?

No matter the size, structure or industry of your business we have a solution for you. Our director Tim is a qualified Accountant and has the knowledge and experience to assist you with all your business lending and loans. Full or low doc options availible. We can help with:

Commercial property - Factory's, residential, sheds and storage
Business assets - There is no piece of equipment to big or small
Cash flow lending - Line of credit, unsecure business loans
Debt consolidation including ATO debt

We work directly with your accountant and/or bookkeeper so you can keep doing what you do best, running your business.

Get in touch with either Joel or Tim this week to discuss your situation.

Get a quick personal loan or car loan quote

Quick Quote

We can also help you with:

First Home Buyer Loans
Refinancing
Car & Equipment loans
Business Lending
Commercial Loans
Cash Flow Management

Ready to purchase a new property?

A good starting point is to find out how much you can borrow as this will be a helpful indicator of what you can afford to buy.

We understand that finding out how much you can borrow can sometimes be a bit confusing, which is why we have some great resources at your disposal. Try our home loan calculator to help make your borrowing power more transparent. Check it out here!

Not sure where to start with your property journey?

Our property guides provide further information which may assist you with your home loan, no matter if it's for your first home or for an investment property.

Download your copy for free here!

Thinking Pre-Approval?

A pre-approval a great way to give you the confidence to got the market with the full confidence of having a conditional approval. We have found many clients have gotten a better deal on a property because they have their finances in order and ready to go. If you decide not to go ahead with a purchase, no harm no foul the approval just expires

To arrange an appointment please call us on 02 66286130

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

Would give more stars if i could, Kahlee from mortgage choice Alstonville and her team have been absolutely fantastic, they made the process so easy, simple stress free. Highly, highly recommend and we will definately be using their services in the future.

Olivia
29 February 2024

Rachael and Joel were amazing to work with. I can't recommend them highly enough. Lovely people who really care for their clients.

Paul
29 February 2024

Joel was highly knowledgeable and organised everything so quickly. He was always available to answer questions.

Alison
28 January 2024

I have had the pleasure of dealing with Janet and her team on numerous occasions and I have always found them to be professional and efficient and friendly. Highly recommended

kirsty
13 December 2023

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

Refinancing guide

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

Download now

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Calculate

You could borrow up to

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Based on standard variable rate over years.

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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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Total fees:

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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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