Kerrie Morris Mortgage Broker in Merewether, Newcastle, Cairns & surrounds

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Call: 0423 345 512

Kerrie Morris has more than 26 years’ experience in the finance and lending industries and has helped many happy clients navigate the lending process to achieve their property goals.

Call Us Mortgage Choice Merewether
Office - 0423 345 512

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

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Services

With access to Mortgage Choice’s wide range of lenders and lending solutions, Kerrie can always find a great loan to suit your needs, whether it’s a new home loan, a loan restructure or borrowing for an investment portfolio.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Insurance (third party referrals)

Other areas I service

Based in Merwether, Kerrie services all areas including, but not limited to:

Merewether
Newcastle
The Junction
Bar Beach
Cooks Hill
Cairns

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

Kerrie and Jason were very professional, were great to deal with and were very attentive to any requestsquestions we had.
We will definitely use them again.

21 October 2023

This is the second time Jason Thomson has helped us with a mortgage. His advice, communication promptness is fantastic. We have always been able to ask questions get clarification where needed in a timely manner. Jason has always made the process smooth for us which has been greatly appreciated. We would happily recommend his services. Thanks again Jason.

Kellie
19 October 2023

My husband and I have used Kerrie at Mortgage Choice three times over the years for our mortgage needs. Kerrie is so professional, prompt, a fantastic communicator and easy to talk to her when needed. Kerrie provided us with multiple options that suited our needs and acted very quickly to secure our finance.
We can't recommend Kerrie highly enough As always, thank you for your wonderful service, Kerrie.

Michele
20 September 2023

Kerrie was with us on this journey of buying a house since 2021, providing us with sound advice from the start to the very end in 2023. She de-mystified many of the processes involved in securing the right lender and what we needed to do to get our housefinancial admin in order. Kerrie always responded in a timely manner and with a friendly and professional demeanour. We asked a lot of questions, and... read more

Tiaan
12 April 2023

Jason Thomson once again came through for me. This was my forth mortgage through him and once again, he has gone above and beyond the call of duty. When no bank would touch me because of number in my property portfolio, Jason came through and got me the loan I needed for this property. Dealing with the banks is like pulling teeth, but going about it with my mortgage broker, makes the process so much more bearabl... read more

Maxwell
06 March 2023

Jason was my broker for the purchase of my first home. He truly was an amazing support for me and helped me over every hurdle that stood in my path. He is a true master of his craft. Will absolutely use Jason's services again when the time comes.

Christopher
05 January 2023

Kerrie from smartline was amazing the whole way thru, made the whole process as easy and as quick it could be, easily contactable and lead us in the right direction. Would recommend her and smartline to all my friends and family going to buy a house. Definitely will be going back for future purchases.

Peter
27 October 2022

Kerrie Morris is a wonderful, hard working, always available, transparent and very knowledgeable adviser. We can honestly say that we would not be in the financial position we are in, without her. Her help and guidance was not only necessary but very much appreciated. We cannot thank Kerrie enough. We highly recommend Kerrie for all and any finance/mortgage questions you may have.

Lee
26 September 2022

Kerrie Morris has outstanding knowledge of loan products, she responds to queries in detail always, is punctual, has a quick follow-up with bankers, listens to our queries, and conveys her job with attention. Overall excellent!

Prasath
02 August 2022

Kerri is fabulous! She responds super quickly to any questions, explains products and options thoroughly and is super friendly and approachable. Will refer her to friends and family and access her expertise in the future!

Alison
29 June 2022

Refinancing guide

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

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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 $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.

Kerrie Morris Mortgage Broker in Merewether, Newcastle, Cairns & surrounds

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

Services

Other areas I service

The right home loan for your needs

Client reviews

Refinancing guide

Help me calculate

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