Your local Adelaide CBD, Prospect and North Adelaide home loan expert can help you make better choices with your finances.

Call: 08 8165 3596

Looking for home loan, investment and financial planning advice? Caleb Swartz and his team are your local home loan and financial experts in the Adelaide CBD, Prospect and North Adelaide and surrounding area. Talk to us today to get a better deal.

Call Us Mortgage Choice Campbelltown
Office - 08 8165 3596

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

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Servicing Adelaide CBD, Prospect, North Adelaide and surrounding suburbs.

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Your home loan has never been easier

As your local home loan experts, Caleb Swartz and the Mortgage Choice team is here to guide you through the home loan market and help you make the right choice to protect your future.

Our team of home loan and finacial experts based in Adelaide CBD, Prospect and the surrounding areas, have access to hundreds of home loan options from over 20 leading banks and lenders, and the best part is our services come at no cost to you!

We offer professional and expert advice for a wide range of loan and financial services including:

First home buyer finance
New home finance
Property investment loans
Home loan refinancing
Fixed, variable and interest only home loan packages
Debt consolidation
Commercial finance
Personal and car loans

One meeting can change your life. Call us on 8165 3596 to book your free appointment. We look forward to working with you!

We help find the right home loan for you

With access to over 20 of Australia's leading banks and lenders, we can compare hundreds of products to help find a home loan that's right for you.

We know how important it is for you to be able to trust the advice you are receiving from our experts.

Our home loan service comes at no cost to you because we get paid a commission by the lender when you settle a home loan.

This makes sure our team always have your best interests at heart.

We give you choice – without the legwork

Our team of home loan experts do all the legwork and prepare all the paperwork so you can set about finding the right car or property to purchase. We will keep you updated as the loan progresses, and deal with the banks on your behalf - easy!

More convenience for you

We understand your life is busy and dealing with finance can be stressful.

That’s why we can visit you at your home or workplace at a time that’s convenient for you.

We're here to help!

So whether you're a first home buyer, upgrading to your next home, getting into property investment, or wanting to refinance your existing loan, the team of local Adelaide home loan experts can help you make the right move. We'll be here for you at every stage of the process.

We service the areas of: Adelaide, North Adelaide, Collinswood, Gilberton, Medindie, Medindie Gardens, Vale Park, Walkerville, Fitzroy, Ovingham, Prospect, Prospect East, Prospect West, Thorngate, Broadview, Nailsworth, Sefton Park, Blair Athol, Blair Athol West, Kilburn, Kilburn North, Clearview, Enfield, Northfield, Northgate, Gilles Plains, Greenacres, Hampstead Gardens, Hillcrest, Manningham, Oakden, Klemzig, Windsor Gardens, Cavan, Dry Creek, Gepps Cross.

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

Kristin made the entire process so easy effortless. I was a first home buyer had no idea about what to expect. I cant recommend her enough would give her 10 stars if I could.

Anthea
18 March 2022

Fantastic friendly and consistent service all the way through the loan process. Mortgage Choice staff simplified things for me and answered all my queries. Prompt, organised service. Thank you!

Jane
16 December 2017

I am more than happy to recommend Mortgage Choice. Started with Sanjay and ended up with excellent and helping people like Catherine

Pawan
16 December 2017

Efficient, reliable, minimum fuss, excellent understanding of needs.

Aaron
16 December 2017

Patient, knowledgeable, individually tailored excellent service.

M Wechalekar
16 December 2017

After our initial contact and first home loan through
Sanjay in 2004, we have taken further Home Loans to date. All of them were through him. It has been a very satisfying experience for all the eight loans that we have taken so far.

P Reddy
16 December 2017

I think the important thing was you understand our
requirements, as each individual is having different needs. You suggest us the appropriate available loan in the market, suitable to our needs.

A Dua
16 December 2017

You fulfilled all my expectations and requirements in a very short time.Thanks

M Tajdar
16 December 2017

Great professional advice and guidance at every step. I have already referred your services to a few friends

A Chanda
16 December 2017

From the very first phone conversation Sanjay was excellent. We had regular contact by phone and email where he explained each process so we understood it easily, and kept us well informed of what stage we were at during the whole process. Sanjay made time for us that fit in with our needs as our schedules are very tight. I will not hesitate to refer my family and friends to Sanjay.

C Goodwin
16 December 2017

First home buyer's guide

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process.

Download now

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You could borrow up to

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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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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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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.

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