Mortgage Choice in Jannali Servicing Como, Sutherland, Menai, Sutherland Shire and Surrounds
(112+ total reviews)
- Call Us Mortgage Choice Jannali
- Mobile - 0437 330 858
- Office - 02 9524 1456
- Open Hours Mortgage Choice Jannali
Monday to Friday 9:00 am - 18:00 pm
Saturday 9:00 - 16:00
- Free Appointment
1/96-100 Railway Crescent JANNALI, NSW 2226
Start your home loan journey today
Speaking with other Shire brokers without success I was fortunate enough to acquire Jim's services for our refinance. At times a complex process Jim provided the highest level of service you could possibly hope for and took all the stress and worry out of the process. Moving forward I wont be speaking to anyone else regarding finance. P. Waller, Bangor NSW
Mortgage Choice Jannali - Sutherland Shire is owned and managed by Jim Demetriou who brings a wealth of experienc, having had a finance 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: 9524 1456 Jim Demetriou Mob: 0437 330 858.
As soon as you make contact with us we’ll take some brief initial details.
A comprehensive consultation provided for free.
Completing All The Paperwork
We will do all the running around by completing all the paperwork.
Safe and Secure
Your information is private and confidential as per the Privacy Act 1988.
Keeping You In The Loop
We will provide you with updates on how your approval is progressing.
A Mortgage Offer will be produced once all checks are completed.
Our services continue after your loan settled e.g health checks or top up.
As your Broker, we provide in-depth knowledge in a complex lending world, creating better outcomes for you.
- Home and Refinance Loans;
- Cash Out for cars, renos or holidays;
- Investment Loans;
- Commercial Loans
- Business Loans;
- Pernonal Loans;
- Cars Loans and Equipment Finance;
- Leasing for Cars or Equipment;
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;
- And, we don't process your loan overseas.
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. ~
Help me calculate
Based on standard variable rate over years.
Start the pre-approval processTalk to a broker
Your borrowing estimate
You may borrow up to
Your monthly repayments
Total loan repayments:
Total interest charged:
|Stamp duty on property|
|Mortgage registration fee|
Need help with your next home purchase?Talk to a broker
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.
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.
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.
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.
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.
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.
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.
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.
State / Territorial Revenue Web Sites
Latest news & tips