John Hughes
14 Dec 2021
Stephen Chin was our Mortgage Broker and did a fantastic job! He got us a really good rate, explained the whole process really well and did it all in record time. I am definitel...
As your local Mortgage Choice brokers, Jason and Steve 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!
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!
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.
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. ~
14 Dec 2021
Stephen Chin was our Mortgage Broker and did a fantastic job! He got us a really good rate, explained the whole process really well and did it all in record time. I am definitel...
09 Dec 2021
I was helped through the process of remortgaging by Steve Chin. He made my options clear and was very helpful with any follow up questions I had. I’m very happy with the result...
21 Nov 2021
A big thank you to Steve for seeing us through the process of buying a beautiful house and securing the best mortgage available. He was there every step of the way to answer que...
15 Nov 2021
We are very grateful to Jason for organizing our home loan. The process was seamless, largely due to his great communication and initiative and I am planning to go back to him f...
24 Oct 2021
Hi, I am a single mum who just went through a messy divorce, I had not receive my settlement when I went to see Stephen Chin but he helped me anyway. He took his time explaining...
08 Oct 2021
Stephen Chin was our mortgage broker for our first home and I couldn’t recommend him enough. He responded to us quickly and professionally and made this complex process simple f...
25 Jul 2021
Stephen was of great assistance, actioning our enquiries in double quick time. It saved us countless hours of shopping around, and we now feel very confident now that we have th...
28 Jun 2021
My partner and I just bought our first property and it would not have been possible without the assistance of Stephen Chin at Mortgage Choice. Stephen was so great to work with...
22 Jun 2021
Jason was so helpful in assisting us secure a loan for our first home. He was friendly and approachable, prompt in his responses and always happy to answer any questions we had...
18 Jun 2021
Stephen Chin is exceptionally attentive and responsive professional. My daughter and her partner bought their first home with his assistance earlier this year and could not prai...
14 Jun 2021
Jason and the team at Mortgage Choice have always been super easy to work with. Always there when we needed our questions answered and very knowledgeable. Highly recommend!
10 May 2021
My partner and I worked with Stephen Chin, and couldn't have hoped for a more knowledgeable or (time-wise) generous guide through the many stages of buying a home. Steve handled...
10 May 2021
Steve has been great throughout the entire process. Friendly and helpful, any questions we've had he's been able to answer quickly and without any hassle. Thanks to Steve and th...
08 Apr 2021
Stephen was a pleasure to deal with happily working around our very busy schedule. Getting us what we wanted, within the required time frame, without any fuss. Thank you for you...
07 Apr 2021
Steve did a great job for us and helped us work through a fairly complicated mortgage process, (refinance, purchase and sale). He got us a good value mortgage within our time co...
25 Mar 2021
My name is Michael and I chose Jason to be my broker initially because of his phone manner and his can do attitude. He was always available to speak with me even on a weekend. H...
25 Feb 2021
Stephen helped us buy our house. He is awesome! He made the entire process sooooooo easy for us. He also provided us with great advice and contacts to help out with all those...
15 Feb 2021
My wife and I went looking for a broker to help with buying our first home. We met with Stephen Chin who was extremely helpful and professional from day one. We officially settl...
03 Feb 2021
Jason has been great to work with. Good communication throughout which has made the process easy
30 Jan 2021
Stephen was easy to talk to, genuine and committed to getting the best outcome for us. We highly recommend his service to anyone seeking a mortgage broker - A standout in this i...
18 Jan 2021
We got our mortgage with Steve from Mortgage Choice in Colonel Light Gardens. Steve was great. He was always helpful and friendly, and could fit in to our crazy schedule.
29 Dec 2020
Jason was extremely helpful in assisting me with my first home loan. I found the process to be quite smooth and had confidence in Jason's abilities. Jason was great at communica...
16 Nov 2020
Our experience with these this business was excellent and if everyone here is of similar calibre to Jason I see no reason for anyone to look at any other brokerage. We assessed...
16 Nov 2020
Stephen was fantastic helping us get a better rate for our loan
19 Oct 2020
We recently purchased a new property and had to wade the murky waters of an acquisition of our existing property and Stephen was a great help with timely responses to queries an...
08 Oct 2020
Stephen Chin helped us with our refinance and made it so easy, even for someone not financially minded like me. He explained everything well and met us at our convenience anytim...
14 Sep 2020
Jason was incredible, he helped us navigate the unfamiliar world of finance and was able to secure a great rate for us. Would recommend!!!
18 Aug 2020
Steve Chin was brilliant is assisting my husband and I in re-financing. He was professional, prompt in his communication, and made our experience a true positive one, particula...
27 Jul 2020
I have recently just bought my first house and it would not have been possible without the help of mortgage choice! My Consultant Jason helped me figure out all my options and w...
13 Jul 2020
My partner and I came in here for a preliminary meeting about what we would need to do to get a mortgage and the broker we saw, Jason, was more than happy to help with our inqui...
07 Jul 2020
Jason has helped me through my home loan and then refinance 2 years later. He has made the whole process very easy and enjoyable! Would definitely recommend!
10 Jun 2020
Brilliant service from Stephen Chin at Mortgage Choice. Helped us through our refinance every step of the way making it easy and understandable for us. Stephen's communication w...
S Bannister, Aldinga Beach, SA
- RefinancerSteve and Jason are great. I wanted to refinance my home and they were fantastic throughout the whole process. They kept me informed and the explained everything to me. I will definitely use both Steve and Jason in the future again. Can not recommend the team enough.
We are very grateful to Jason for organizing our home loan. The process was seamless, largely due to his great communication and initiative and I am planning to go back to him for any future financing needs.
Elissa Shea, Mannum, SA
- First Home Buyer
Steve Chin was brilliant is assisting my husband and I in re-financing. He was professional, prompt in his communication, and made our experience a true positive one, particularly after an extremely disappointing experience with another broker previously. Thank you Steve - we'll definitely be back to use your services again and have recommended you to others.
Amanda Atkins, Victor Harbor, SA
- Refinancer
My partner and I worked with Stephen Chin, and couldn't have hoped for a more knowledgeable or (time-wise) generous guide through the many stages of buying a home. Steve handled all the paperwork and helped us find a great loan and conveyancer. My partner and I are both detail-oriented people, and we found that, when we had questions about the smaller things, nothing was too much for Steve! I really recommend him! In fact, we recommended him to our friends, and they also had a very positive experience.
Anastasia Ejova, Magil, SA
- First Home Buyer
My partner and I just bought our first property and it would not have been possible without the assistance of Stephen Chin at Mortgage Choice. Stephen was so great to work with - very approachable, very knowledgeable and very gracious in answering my many many questions. He made the entire process stress-free and referred us to a great conveyancer. Would highly recommend working with Stephen! Thank you for taking us through such a smooth house-buying process.
Annie C, Glandore, SA
- First Home Buyer
Jason and the team at Mortgage Choice have always been super easy to work with. Always there when we needed our questions answered and very knowledgeable. Highly recommend!
Ellise Saunders, Panorama, SA
- Upgrader
Stephen Chin was amazing - responsive, proactive and supported us with referrals to other related services.
R S, Flinders Park, SA
- First Home Buyer
My name is Michael and I chose Jason to be my broker initially because of his phone manner and his can do attitude. He was always available to speak with me even on a weekend. He did what he said he would do without fuss, with a smile and in professional manner. Jason brokered a very good deal for me and saved me all the running around and paperwork that I normally would’ve had to have done if I was to approach the lender myself. I thoroughly endorse his business and recommend him.
I definitely will use him again.Michael Marwede, Morphett Vale, SA
- Refinancer
Stephen was a pleasure to deal with happily working around our very busy schedule. Getting us what we wanted, within the required time frame, without any fuss. Thank you for your support Stephen.
Jon Ward, Hayborough, SA
- Property Investor
Steve has been great throughout the entire process. Friendly and helpful, any questions we've had he's been able to answer quickly and without any hassle. Thanks to Steve and the team for all their efforts, it has been much appreciated.
Matthew Hollands, Norwood, SA
- First Home Buyer
Stephen is a fantastic rep for your business. Super helpful and responsive.
M R, Moonta, SA
- Property Investor
Stephen Chin is exceptionally attentive and responsive professional. My daughter and her partner bought their first home with his assistance earlier this year and could not praise him enough. I turned to him with a fairly complex enquiry about a home loan and he responded instantly and provided me with a very detailed answer and then came back to me with further advice which was very useful. He is also very personable and has an excellent professional manner. I highly recommend him!
Julia Ejelovitch, CBD, ACT
- Upgrader
Steve did a great job for us and helped us work through a fairly complicated mortgage process, (refinance, purchase and sale). He got us a good value mortgage within our time constraints and I would recommend him to others.
Jamie Arther, Hawthorndene, SA
- Upgrader
Stephen helped us buy our house. He is awesome! He made the entire process sooooooo easy for us. He also provided us with great advice and contacts to help out with all those little details related to buying a house. He's very likable, very professional, very prompt, and highly recommended.
Thank you Stephen!C Baker, Flinders Park, SA
- First Home Buyer
Stephen was fantastic helping us get a better rate for our loan.
T Christopher, Reynella, SA
- Refinancer
There are many steps involved in purchasing a property which can vary between residential and investment properties. This guide explains each step in order as well as what is involved at every stage of the purchasing process.
Based on standard variable rate over years.
Start the pre-approval process
Talk to a brokerYour borrowing estimate
Monthly income
Expenses
You may borrow up to
Your monthly repayments
Total loan repayments:
Total interest charged:
There's a lot to consider when choosing the right loan.
Talk to a brokerBreakdown | Amount |
Stamp duty on property | |
Transfer fee | |
Mortgage registration fee |
Need help with your next home purchase?
Talk to a brokerFrom 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.
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
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.
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.
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.
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.
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.
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).
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.
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.
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.
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.
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.