Lauren Murphy, Home Loan Expert Raymond Terrace

Your local Hunter Valley home loan expert and mortgage broker in Raymond Terrace.

Call: 0408 480 562

Looking for a home loan? Talk to Lauren Murphy, your local Mortgage Choice broker, servicing Raymond Terrace, Maitland and the Hunter. Let us research and compare more than 20 lenders for you.

Call Us Mortgage Choice Raymond Terrace
Office - 0408 480 562
Fax - 02 4987 7035

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

Address

2/199 Adelaide Street RAYMOND TERRACE, NSW 2324

COVID19 - we can still assist you with your finance needs during this time. To keep you and your family safe, we will be now conducting virtual appointments.

Achieve your property goals

As your Hunter Valley mortgage broker, Lauren Murphy can help you find a home loan best suited to your needs.

Lauren has lived and worked in the Hunter Region her whole life. She understands the needs of her clients and will guide you through the whole lending process from application to settlement.

As your mortgage broker in the Hunter Valley we can help you with:

First home buyer loans
Home loan refinance options
Finance to upgrade or renovate your home
Property investment loans
Construction loans
Personal loans
Car loans

We guide you through the home loan process

As your mortgage broker in the Hunter Valley we make your next loan easy.

We’ll find the home loan best suited to you from our extensive panel of lenders
Assist with your loan application - and handle the paperwork on your behalf
We liaise with your lender, solicitor and real estate agent, and
Keep you up to date with the progress of your loan right through to settlement.

Best of all, our Hunter Valley home loan service is at NO COST to you – we’re paid by lenders after your loan settles.

We work with you

We know you’re busy, that’s why Lauren our mortgage broker can make a virtual appointment at a time suitable with your needs. We service the entire Hunter region including Medowie, Thornton, Maitland, Rutherford, Cessnock, Branxton, Singleton, Muswellbrook, Denman, Merriwa and everywhere in between.

Call Lauren Murphy – your Hunter Valley mortgage broker today
Achieve your property goals by booking an appointment today. Lauren is available for virtual appointments. You can click the “Book Appointment” link at the top of the page and book online or select the contact button to call Lauren and book your appointment with her over the phone.

Call Lauren on 0408 480 562 or email her at lauren.murphy@mortgagechoice.com.au OR visit us at 2/199 Adelaide Street, RAYMOND TERRACE NSW 2324.

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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Lauren was professional and very friendly In every interaction we had with her. Can not praise and thank her enough, she went above and beyond to help us every step of the way. Will definitely be dealing with Lauren in the future.
W. Ross, Raymond Terrace, NSW
- First Home Buyer

A big thank you to Lauren and Teresa for their awesome service during my unexpectedly lengthy purchase of a house. Lauren answered my many questions promptly and was very efficient with the handling of all aspects of my home loan. They both made sure that everything went as smooth as possible and went above and beyond when seeking information about delays I was experiencing with my purchase. Also, they made sure that I didn't have to worry about potential issues with finance (was great to have this peace of mind). Highly recommend them - thank you :)!!!
T Kirton, Kurri Kurri, NSW
- First Home Buyer

Lauren is amazing! She has been so helpful from first contact when we first bought our house a few years ago. Lauren is highly efficient and detailed with all her responses, from obtaining our first loan, the possibility of purchasing an investment property, to finally deciding to obtain additional funds for renovations. I would recommend Lauren to anyone.
A. Berry, Belmont, NSW
- Upgrader

You were very quick to help with all of my enquiries. I was extremely happy with how you helped me secure my home loan.
B Eipper, Merriwa, NSW
- First Home Buyer

Thanks for all your help, always efficient with knowledgeable and helpful responses.
J Berry & A Day, Belmont, NSW
- First Home Buyer

I have now used Lauren twice - both times have been made exceptionally easy because I have been able to contact her with any questions - phone or email. Responses are immediate and well explained which is quite helpful when purchasing houses! I will continue to promote and recommend Lauren and use her in the future - it is one less stress you have when purchasing property. I really appreciate everything Lauren has done for me with my purchases and for making the task so much smoother!
L Johns, Metford, NSW
- Upgrader

Lauren, your service was awesome! You always call back and are very efficient in what you do. Highly recommend.
R & M McMahon, Coonamble, NSW
- Property Investor

We were very happy with Mortgage choice and Lauren Murphy. I have already recommended Mortgage Choice to family and friends...Lauren was so friendly and helpful...thanks to everyone who helped us get a house loan.
M & L Ward, Edgeworth, NSW
- Upgrader

A big thank you to Lauren Murphy! We were extremely happy with the service provided to us by Lauren. Very accommodating, friendly and professional. Communication was excellent. This was our second dealing with Mortgage Choice and wouldn't hesitate to use their services again in the future. Would highly recommend to friends and family.
K & Y Sarmast, Cameron Park, NSW
- Upgrader

Lauren was very friendly and informative. Always willing to answer questions and discuss issues no matter how trivial. Phone calls were always replied to and followed up.
K Trunk, Tea Gardens, NSW
- First Home Buyer

We were very happy with your service and found you easy to talk to. We liked that you explained what we needed so we could understand it, also very friendly and approachable.
W & R Kirk, Bellbird, NSW
- Property Investor

We were very pleased with our service from the Raymond Terrace branch they always kept us updated and they were very helpful and made me feel very comfortable to seek any information I required at any time...There is no other place I would go But Raymond Terrace Mortgage Choice.
S Bear & K Boughton, Medowie, NSW
- Upgrader

We had given up on buying a house. Uncooperative lenders and no real success with any real estate agents had us is despair. I don't know how I found out about Mortgage Choice but I knew there was a branch in Raymond Terrace - within a week or so I was told we could get a loan and we found a top real estate lady in Weston. That was it - in no time we had a house we loved at first sight and a loan to buy it. No dramas. We have already started moving in as I pause to write this. Thankyou Jody and Lauren.
C Bredin & D Green, Weston, NSW
- First Home Buyer

We are again very pleased with the service offered to us by Mortgage Choice and by the ANZ bank.
We would particularly wish too thank Lauren Murphy for her professional, polite and courteous attention. We would recommend Mortgage Choice to all our friends and would not hesitate to use Lauren's services again.
S & P McMullen, Paxton, NSW
- Property Investor

Our office assisted this client with car finance.
Professional, personality, helpful, considerate, caring what else can I say but PERFECT. Thanks again Lauren.

C Campbell , Cessnock, NSW
- Upgrader

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.

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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 $176,000 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.

The Territory’s First Home Owner Discount has been in place since 8 February 2019. It lets you save up to a maximum of $18,601 on the cost of stamp duty. The savings is available whether you buy a new or established home as long as the home is 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 $8,750, 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 $505,000, you pay stamp duty of $1,050, a saving of $7,875. These savings cut out altogether if your first home costs $550,000 or more. On a property valued at $550,000, for example, the stamp duty would work out to be $10,600.

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 $20,000 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 Melbourne. Or you can receive a FHOG of $20,000 if you buy/build a new home in regional 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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Your local Hunter Valley home loan expert and mortgage broker in Raymond Terrace.

Raymond Terrace

The right home loan for your needs

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First home buyer's guide

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2nd Applicant

Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

State / Territorial Revenue Web Sites

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