Mortgage Broker Mudgee & Surrounding regions - Bathurst, Orange, Dubbo, Lithgow, Parkes Home Loan Specialist

Call: 02 6372 7878

Need Help with your Home Loan? Call Mortgage Choice in Mudgee for help with Home Loans, Car Loans, Asset Finance and more.

Call Us Mortgage Choice Mudgee
Office - 02 6372 7878

Open Hours Mortgage Choice Mudgee
Mon-Fri 9am to 5pm
Free Appointment

Address

95 Church Street MUDGEE, NSW 2850

Latest home loan interest rates

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Start your home loan journey today

Are you looking to purchase a property in the Mudgee Region?

At Mortgage Choice Mudgee we would love to help you achieve your goal of owning property. With many lenders on our panel, we have a range of loan products available, which helps us to help you get a loan suitable for your needs. With so many different lender policies across the different lenders, it can be a minefield to find a loan that's right for you. So let us take the hassle away and do all the legwork for you from start to finish.

So what are some of the advantages of using Mortgage Choice Mudgee?

For residential loans, we get paid by the lender, not by you.
We have over 20 lenders on our panel, to help us find the right loan for you.
We look after the loan process from start to finish, taking the stress & hassle out of dealing with the lenders yourself.
We also do car finance for personal or business use, new or second hand. If it's a new vehicle, then why not use our car buying service and let Mortgage Choice do the haggling for you to get a great price.
We're local, so the person you deal with is a local too!

So whether it's Refinancing for a better deal, buying your First Home, Investing, Construction, Relocation or needing a Car Loan or some Asset Finance, call us to make an appointment & discuss your loan needs.

Areas we service

Mortgage Broker Mudgee
Mortgage Broker Gulgong
Mortgage Broker Bathurst
Mortgage Broker Kandos
Mortgage Broker Dubbo
Mortgage Broker Lithgow
Mortgage Broker Orange
Mortgage Broker Parkes
Mortgage Broker Forbes

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Mudgee, Bathurst, Orange, Dubbo, Lithgow and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with us to discuss your unique circumstances

Ready to kickstart your journey to home ownership?

We’ll assist you along the way and do all the legwork for you! Click here to Book a free phone call to quickly understand what options you have available

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

Absolutely recommend Jas and the team for your mortgage needs. Nothing but praise with the way Jas and his team looked after us. Nothing was an issue and communication second to none. Thanks Jas

Adam
09 April 2024

Jason, from start to finish was patient, readily available , knowledgeable and most importantly secured our loan on our behalf. My husband and I at all times felt our best interest was at the forefront and we are happy to recommend Jason

Angela
09 April 2024

We used Jason twice, once in 2020 when buying in Mudgee, then again in 2024 when buying in Newcastle. He was helpful and informative, easily contactable and answered every question we had, even when he was on holidays Wouldn't hesitate to use him again. Thanks Jason

Lyndal
31 March 2024

Jason from Mortgage Choice was perfect, we highly recommend . Made the whole refinance business so easy and very very quick.

21 December 2023

I recently purchased my first property with mortgage choice mudgee the team there where absolutely amazing they where all very helpful kate was who I had helping me throughout was really great and I'm extremely happy with my experience I highly recommend 10 out of 10.

Andrew
30 November 2023

Considering what our lender was offering us when our fixed term ended, Jason has not only assisted us with consolidation and making our life more simple, money wise he has quite literally saved us financially. We would not have been able to keep our heads above water travelling as we were. So thank you Jason. I wish there were more stars to give.

Niki
06 November 2023

Kate provided a great service throughout the journey. I would highly recommend both Kate and Mortgage Choice for brokerage services.

18 October 2023

Jason went above and beyond for me through a tough period, strongly recommended him
Great bloke as well

Michael
27 September 2023

We have used Jason twice to purchase our last two properties. We cant recommend Jason enough, he gets the job done with minimal fuss

Michele
14 September 2023

Kate made the process of purchasing a house very easy. Always communicated effectively and timely
Would recommend

Taylor
21 August 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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2nd Applicant

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2nd applicant monthly rental income before tax

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Calculate

You could borrow up to

Repayments
/ month
Expenses
Remaining

Based on standard variable rate over years.

Start the pre-approval process

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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

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.

Value of property

State

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Type of dwelling

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First Home Buyer?

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Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

Need help with your next home purchase?

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.

State / Territorial Revenue Web Sites

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