Kevin O’Shannessy Mortgage Broker in Parap, Darwin, Palmerston, Humpty Doo, Fannie Bay & Surrounds

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Call: 08 89813116

Kevin’s extensive finance and banking experience means he can assist you with almost any lending requirement you may have, including business and commercial lending, asset finance and residential lending.

Genuine, trustworthy and dedicated, Kevin has a long list of very happy clients. He seeks to establish long term business relationships, and will become your mortgage broker for life.

He provides an extensive and holistic service to business and residential clients across the Northern Territory.

Call Us Mortgage Choice Parap
Office - 08 89813116
Fax - 08 89813191

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

Address

PO Box 419 PARAP, NT 0804

Latest home loan interest rates

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Services

No matter what your lending needs are, Kevin offers all the expertise and support you need to secure a well-structured, competitive finance solution. Residential or commercial lending inquiries are welcome!

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Bridging loans
Personal Loans
Car and asset finance
Business equipment finance
Self Managed Super Fund Lending and Refinance.
Commercial property finance
Business loans
Insurance (third party referrals)

You’re busy running your business. That’s where Mortgage Choice can help.

We start by taking the time to understand your business – and its needs. Then we’ll work with our extensive panel of lenders to find the finance solution best suited to your situation.

We make it easier for you by preparing the paperwork, lodging the application and doing all of the follow-up for you.

Mortgage Choice provides finance solutions for all types of businesses - such as childcare organisations, news agencies, farming & agriculture, independent stores, and other franchises just like us. We can guide you through finance options to:

• Purchase or start up a business
• Inject capital or working capital for your business
• refinance your business
• Purchase or construct a commercial property

For commercial finance that gets your business moving, talk to us today!

Other areas I service

Kevin is professional, knowledgeable and friendly, and brings a big-picture approach to your lending solutions. Working with you right up until settlement and beyond, Kevin can service your lifetime borrowing requirements.

He works with clients right across the Northern Territory.

Parap
Darwin
Palmerston
Nightcliff
Casuarina
Humpty Doo
Coolalinga
Berry Springs
Darwin River
Howard Springs
Bayview
Cullen Bay
Woolner
Fannie Bay
Stuart Park
Alawa
Wanguri
Wulagi
Jingili
Lyons

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Parap and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with Kevin to discuss your unique circumstances.

Ready to kickstart your journey to home ownership?

We’ll assist you along the way and do all the legwork for you!

Please Email Kevin or call me on 0415 518 285

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

I am very happy with Kevin. He was very easy to work with and had the patience to get the job done. Thank you

Chris
28 February 2024

Kevin has done an amazing job in assisting us with the application of our first home. He went above and beyond even after working hours to ensure we get the best deal. The whole process of home loan application was seamless, thanks to Kevins efforts. Hes been very helpful, professional and patient in explaining the whole process to us and always responds timely to our queries. I highly recommend him.

24 November 2023

Kevin was absolutely fantastic. He provided impeccable service throughout my search for a home and went above and beyond to find me the best deal possible. Communication was easy and suited my needs, with the majority done via email. I highly recommend Kevin to anyone looking for a home loan.

Madelaine
05 November 2023

Kevin was very helpful in organising our new mortgage and made the process so easy. I recommend his services and will definitely engage Kevin again for any future mortgages.

02 April 2023

Kevin has been very helpful in understanding our particular situation and finding the best option for our home loan. He always responded to emails and phone calls and gave helpful advice

Michelle
16 March 2023

Excellent

Arthiur
23 February 2021

Kevin was only to happy to assist in my application. Great service thank you

Matthew
14 March 2019

When things got curly my Advisor stepped up to get things sorted. Very happy and would recommend.

Chavonne
05 October 2018

Certainly more difficult to arrange finance since the banking royal commission started but all went smoothly and was well guided through the process

John
20 September 2018

Extremely Professional, knowledgeable and friendly person. Thanks to Kevin we achieved our objectives.

Michael
30 May 2015

Step-by-step guide to home ownership

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.

Download now

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Calculate

You could borrow up to

Repayments
/ month
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Remaining

Based on standard variable rate over years.

Start the pre-approval process

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

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Over

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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.

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First Home Buyer?

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Total fees:

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Stamp duty on property
Transfer fee
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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.