Jim Demetriou

Mortgage Choice at Jannali, Servicing The Sutherland Shire: Our Vision: To strive to understand every client's unique financial needs and to deliver a superior service and tailored solution to meet those needs. Repeat clients and referrals are testament to our exceptional and comprehensive service and products provided.

Call: 0437 330 858

Looking For a Home Loan, Investment Loan or Commercial Loan? What About Refinancing Your Existing Loan Or Fixing Your Rates. Talk To Your Local Mortgage Broker In Sutherland Shire. Gain The Benefit Of An Executive With Over 25 Years Banking Experience. Call Now On 02 9525 0112

Call Us Mortgage Choice Jannali
Mobile - 0437 330 858
Office - 02 9525 0112

Open Hours Mortgage Choice Jannali
Mon - Fri 9:00 am - 5:00 pm
Free Appointment

Address

1/96-100 Railway Crescent JANNALI, NSW 2226

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After speaking with several other brokers in the Shire without success I was fortunate enough to acquire Jim's services to refinance our home loan. At times a complex and frustrating process Jim provided the highest level of service you could possibly hope for and took all the stress and worry out of the process. I cant express my gratitude enough for the expertise and even more importantly the personal service that Jim provided in what can be a stressful time. Moving forward I wont be speaking to anyone else regarding finance. P. Waller, Bangor NSW

Mortgage Choice Jannali - Sutherland Shire is your experienced Mortgage Broker in the Sutherland Shire. The franchise is owned and managed by Jim Demetriou who brings a wealth of experience in the financial services industry, having had a career spanning 25 + years in retail, commercial and corporate banking. As a Sutherland Shire resident of many years, Jim has a solid understanding of the local and broader Sydney property market.

Best Of All, We Do All This At No Cost To You !

To make an appointment, contact Mortgage Choice Jannali in Sutherland Shire by clicking on the "Contact us" link at the top of this page or call Office: 9525 0112 Jim Demetriou Mob: 0437 330 858.

The Process:

Initial Contact

As soon as you make contact with us we’ll take some brief initial details to see if we can help, taking into account your individual circumstances, needs and objectives.

Free Consultation

A comprehensive consultation provided for free. Based on the information you provide, we will provide you with options for you to choose from over 20 of my panel lenders.

Completing All The Paperwork

We will do all the running around by completing all the paperwork on your behalf to save you time and possibly money, to ensure everything is done right first time so your transaction runs as smoothly as possible.

Safe and Secure

You can be assured that we will keep all of your personal information private and confidential as per the Privacy Act 1988. And, we don't process your loan overseas.

Keeping You In The Loop

Once your mortgage application has been submitted we will provide you with updates at regular interval as to how things are progressing with your approval.

Mortgage Offer

Once the Lender completes their final checks and a valuation of the property is done then a document called a Mortgage Offer will be produced by the lender.

Post Settlement

Our services continue well after your loan settled and we are always available to answer any question on any aspect of the said loan: Health checks, top up for that new pool or renovations.

As your Broker, we provide in-depth knowledge in a complex lending world, creating better outcomes for you.
Our Services
Home and Refinance Loans;
Cash Out;
Investment Loans;
Commercial Loans
Business Loans;
Pernonal Loans and Insurance;
CarsLoans and Equipment Finance;
Leasing;
At Mortgage Choice Jannali - Sutherland Shire we want to save you time, effort and most likely money. Home loans are so much more than just interest rates. We can explain the various subtleties of different loans which can make a big different to the bottom line.

We offer a professional, knowledgeable and efficient service;

We provide access to our wide panel of lenders and 1,000's of products on offer;

We take you through the complete lending process, from submission to settlement and beyond;

Keeping you informed at every step of the way;

We ensure all your questions are understood and answered efficiently;

We go above and beyond to deliver something that is exceptional.

Servicing Suburbs including but not limited to Alfords Point, Bangor, Barden Ridge, Bonnet Bay, Como, Engadine, Grays Point, Heathcote, Illawong, Jannali, Kangaroo Point, Kareela, Kirrawee, Loftus, Lucas Heights, Menai, Oyster Bay, Sutherland, Sylvania, Sylvania Waters, Waterfall, Woronora, Woronora Heights, Yarrawarrah.

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. ~

Google Reviews

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Thanks for everything Jim and being so good at what you do!
Brett S, Caringbah, NSW
- Property Investor

Thank you Jim for all your hard work and effort in securing my business finance. We thank you for your honest & straight forward approach to making things happen quickly and conveniently as you did. Many Thanks
Rodney Heseltine, Caringbah, NSW
- Refinancer

Thanks a million Jim for all your help and guidance getting this across the line. It's been a long battle for us to get into our first home and we are truly thankful for all your help and efforts which have in turn given our daughter a great opportunity at a great lifestyle and upbringing in the Illawarra region much like yourself. Thank you again Jim
Josh and Kate, Illawarra Region, NSW
- First Home Buyer

Jim, great news about our approval. This wouldn't have happened if it weren't for you. We can not thank you enough for all your advice and support. Thank you again.
Emily and Craig, Sutherland, NSW
- First Home Buyer

Jim, Now that we settled into our home, I just wanted to say thank you very much for the time you put in getting our loan through. It was a bumpy road but you got us through it. We very much appreciate your services.
Jenny and Brad, Sylvania, NSW
- Upgrader

We were very satisfied with your responsiveness an professional service received. We would not hesitate using your services again and would definitely recommend you to our family or friends. Jim, we were very happy with what you did for us.
Brad and Sue, Sylvania, NSW
- Refinancer

Dear Jim, just wanted to say thanks again for all your hard work,everything has worked out great for us and we are extremely grateful for what you did for us.
Karen and Derek, Kurnell, NSW
- Refinancer

We just wanted to let you know how much we appreciated your help in getting our loan through. We weren't sure if it could get done follow our discussion with another broker. Somehow, you got it done and we are very grateful. We would definitely refer you to our friends.
Kathryn and Peter, Bangor, NSW
- Refinancer

Thanks Jim for making everything go sooo smoothly. Very Happy clients
Belinda and Chris, Port Hacking, NSW
- Refinancer

Reliable, knowledgeable, professional service, available 24/7 to advocate for me through my most important & stressful financial life transitions. Thank you very much.
Bruce & Jacqueline, Menai, NSW
- Property Investor

Thank you so much for all your help and we are both very excited on our purchase and your assistance in getting us there. We will be sure to recommend you to anyone who may need your services.
Daniel and Angela, Sylvania Waters, NSW
- First Home Buyer

We really appreciate your support in getting this across the line.
A Michelzahn and A Collins, Loftus, NSW
- Refinancer

As always Jim you have been wonderful and dedicated to our cause. Thank you for your persistence in getting our loans through.
Terry and Kim, Woronora Heights, NSW
- Business Lending

Thank you Jim! Jim was great to deal with during the refinancing of our mortgage and moving to a different bank. Jim was attentive and responsive from the first moment I contacted him - which was a simple 'I'm just phoning to find out if this is possible' conversation. Jim listened to our needs and met every single one of them!
Thanks again Jim. Really appreciate the quality service and great advice. Highly recommended.
Daryl and Tracy Makins, Engadine, NSW
- Refinancer

Thank you Jim. All is setup and going well now. Thank you for your continual service.
C Hanncock, Sutherland, NSW
- Refinancer

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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 $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.

Stamp duty concessions

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.

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 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.

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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Jannali

The Process:

As your Broker, we provide in-depth knowledge in a complex lending world, creating better outcomes for you.

Our Services

At Mortgage Choice Jannali - Sutherland Shire we want to save you time, effort and most likely money. Home loans are so much more than just interest rates. We can explain the various subtleties of different loans which can make a big different to the bottom line.

The right home loan for your needs

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