Scroll down the page to the "book appointment" button & lock in a time to talk. We can assist with home & investment lending, car and asset finance, business & SMSF lending.

Call: 02 6363 1122

Jason & his team of award winning brokers have years of experience in lending which will ensure that you will be presented with the best options to meet your requirements. With Jason's qualifications in finance & accounting, you can be assured that we cover all aspects of your borrowings needs.

Call Us Mortgage Choice Orange
Office - 02 6363 1122

Open Hours Mortgage Choice Orange
Monday - Thursday: 9:00am - 5:00pm
Friday: 9:00am - 3:00pm
After hours by appointment
Free Appointment

Address

101 Byng Street ORANGE, NSW 2800

Latest home loan interest rates

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Mortgage Choice Central West is your local mortgage broker.

With our head office in Orange, we service the entire Central West including Dubbo, Bathurst, Mudgee & Cowra.

We travel out as far west as Bourke, north to Lightning Ridge and south down to Grenfell. As locals, we know the areas and needs of the Central & Far West and can provide you with expert home loan advice.

Offices

101 Byng Street, Orange NSW 2800.

69 Wingewarra Street, Dubbo NSW 2830.

Mortgage Choice was named Australia’s top brokerage in The Adviser magazine’s 2023 list of Top 25 Brokerages.

Click here to check out our customer reviews

Why use a Mortgage Broker?

When you take out a home loan and mortgage, you are about to make one of the largest decisions of your life. Like all big decisions, you deserve to have all of the information available to you before you make that decision.

As a mortgage broker, we know that all lenders are not equal and there is no "best lender". Each of the lenders have their own particular lending policies and products, credit criteria and overall service to meet your needs.

Mortgage Choice brokers have access to up to 20 different lenders. When we meet with you we will:

Discuss with you and determine your exact needs.
Determine which of our lenders is going to have the right product for you and is most likely to approve your application,
Ask what timeframe are you working within, who are the fastest lenders?
We do all of the legwork, negotiate with the lenders on your behalf and can meet with you at the time and location which is convenient to you, even outside of normal business hours.

Why not give us a call and see if we can assist you? It will not cost you anything but may save you time and money.

Book an Appointment

We can also assist with:

Motor vehicle finance / refinance
Asset finance
Commercial mortgages and finances
Life & General Insurance
Boat finance

We provide full services to the following cities and towns:

Orange
Bathurst
Dubbo
Mudgee
Cowra
Forbes
Parkes
Coonamble
Narromine
Nyngan
Bourke
Walgett
Lightning Ridge
Gulgong
Brewarrina

and all surrounding areas.

We are happy to help with lending anywhere in Australia.

Not sure where to start with your home loan and property journey?

At Mortgage Choice in Orange, also servicing Dubbo and Central West NSW, our property and home loan guides provide further information which may assist you with your journey, no matter if it's for your first home or for an investment property.

Download our home loan and property guides here

What is your Borrowing power?

When you're ready to take that next step and secure a home loan to purchase your property, it's important to have a good understanding of how much you can borrow. We know that finding out how much you can borrow for a property can be a bit confusing, which is why we have some great resources at your disposal.
Check out our easy-to-use home loan calculators here or get in touch with us at Mortgage Choice in Orange to discuss your unique situation.

Ready to kickstart your journey to homeownership?

At Mortgage Choice in Orange, servicing Dubbo, Bathurst, Mudgee & Cowra, we’ll assist you along the way, no matter what your home loan needs are and do all the legwork for you!
Call us today on 0480 079 800 or at our Orange office on 02 6363 1122.

Book an Appointment

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

Outstanding product knowledge, systemsprocess, speed and communications for home lending. Not to mention friendly and prompt normal business hours and AH service and follow-up. No question or request was too much for Jason to assist with. I needed specialised help for a new home loan due to my circumstances and Jason and his team provided a fast, seamless service from first contact to loan preapproval-... read more

Nirdosh
03 December 2023

Having previously delt with Jason and experiencing 1010 service it was a no brainer to reach out the the team again for some additional finance needs. This time around I was assisted by Tom who is also absolutely fantastic. Both very down to earth, helpful and all round great people to deal with who look out for their clients best interest. I could not recommend the Mortgage Choice Orange team enough and would not do business anywhere else

Emma
29 November 2023

Very good experience. Had a bit of a challenging situation to sort out. Tom and Jason went above and beyond and got us sorted highly recommend

Alex
26 October 2023

Jason and the team at Mortgage Choice are an absolute pleasure to deal with and very trustworthy. I cannot recommend them highly enough for their help and support in helping us negotiate the process of both buying and selling our home.

Angela
21 October 2023

An absolute pleasure to deal with and always available to help.

20 October 2023

I used Jason and the team at Mortgage Choice in Orange to get my first home loan several years ago and found their service so responsive and simple that when I wanted to refinance my home loan for a lower interest rate this year, there was no-one else Id trust.
Thank you, Jason, for always going above and beyond, its much appreciated.

Julia
10 October 2023

We just purchased our new home with help from Tom, Jason and the team. We have had home loans before and this time the process was so easy. The team provided advice, updates and peace of mind during the entire process. Would definitely recommend them for anyone wanting a loan.

Carolyne
10 October 2023

Can't speak highly enough of Jason and his team in Orange. Definitely recommend

10 October 2023

Jason and his team are so lovely to deal with. No question goes unanswered They are truly helpful and very knowledgeable. I would recommend them to anyone looking for a great team to work with. I was a first home buyer and they held my hand along the way.

Ashleigh
03 October 2023

Jason and the team made the process of buying our first home easy and stress free. Highly knowledgeable and very supportive. We will choose to work with them again in the future where needed.

Rowan
28 September 2023

Refinancing guide

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

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Calculate

You could borrow up to

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/ month
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Remaining

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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You may borrow up to

Value of property

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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

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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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Scroll down the page to the "book appointment" button & lock in a time to talk. We can assist with home & investment lending, car and asset finance, business & SMSF lending.

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

Why use a Mortgage Broker?

We can also assist with:

Not sure where to start with your home loan and property journey?

What is your Borrowing power?

Ready to kickstart your journey to homeownership?

The right home loan for your needs

Client reviews

Refinancing guide

Help me calculate

How much can I borrow

Home loan repayment calculator

Stamp duty calculator

2nd Applicant

Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

State / Territorial Revenue Web Sites

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