Your local home loan experts in Gawler & Barossa Valley

Leith Yelland & Jenny Freeman Your Local Mortgage Brokers in Gawler.

Call: 08 8523 4510

Call us today to see how your local Mortgage Choice experts can help you find the best home loan and financial products to suit your needs.

Call Us
Office - 08 8523 4510
Fax - 08 8523 4280

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

Address

67 Murray Street GAWLER, SA 5118

Your home loan has never been easier.

At Mortgage Choice in Gawler, we work to ensure that we are finding you the best home loan from our wide range of lenders, to suit your needs. We do all the research and paperwork, so you don't have to , and keep you updated as the loan progresses. Call us today!

We share your passion

We’re passionate about helping you achieve your dreams of:

A first home
An investment property
Your next home
Renovating your home

The loan that suits you needs

We have access to hundreds of loans from over 20 different lenders including the big banks and specialty lenders. We do all the research, to find the best loan for your life! We hate to see people stuck in the wrong loan for years, so we work hard to ensure we get you into the right one.

Expert advice at no cost to you

There is no charge for our home loan service as the lender pays us when your loan settles.

At Mortgage Choice, the only thing that matters to us is the home loan that’s right for you. As a Mortgage Choice broker we are paid the same rate regardless of which home loan you choose from our wide choice of lenders.

All your financial needs are covered

Our skilled team can help you select from a range of finance options:

Car Loans
Debt Consolidation
Personal Loans
Equipment Leasing
Loan Repayment Insurance
Life & Risk Insurance, as well and Home and Contents Insurance

Please visit Our Team if you'd like to know more about the team at Mortgage Choice in Gawler who help make it all happen.

Call Leith today on 8523 4510 or email admin.gawler1@mortgagechoice.com.au

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. ~

Leith and the team were amazing! Very professional without being overwhelming. Everything was explained to us in simple terms so we never felt baffled by big words or fancy statements. At no point did we feel in over our heads and we have now been left in a much better financial position. We would absolutely recommend having a chat with Leith . Thanks for everything!
Heidi & Todd, Springton, SA
- Refinancer

Mortgage Choice staff at Gawler are fantastic, always available to listen or answer questions. They keep in touch throughout the process. I was quite nervous during this purchase and Leith re-assured me along the way that everything would be approved on time, which it was. I'm very happy with the outcome and would definitely recommend the team at Gawler.
Mark & Kirsty, Cockatoo Valley, SA
- Refinancer

Amazing service. We couldn't have asked for more helpful staff if I tried. Leith went above and beyond to assist us get what we needed - super friendly and thorough. Highly recommended.
Tanya & Dave, Gawler South, SA
- Refinancer

Have had Leith consult on our last three ventures, our first when our son was 2 he's now 13. Have had nothing short of 100% honest and total commitment from Gawler Mortgage Choice. Would definitely recommend and most certainly use again. Thank you Leith and team.
Natasha & James, Modbury Heights, SA
- Upgrader

We were extremely happy with the calm, professional and knowledgeable service we received from Leith and his team. Nothing was too difficult and they kept us up to date throughout the whole process and reassured us throughout. We highly recommend Mortgage Choice, Gawler. Amazing service and lovely people! Thanks, Alinta and Chad
Alinta & Chad, Gawler South, SA
- Upgrader

Hi Leith And The Team, Thanks for making the process so easy , it was a pleasure dealing with you thanks.
Chris & Katie, Gawler East, SA
- Property Investor

I had wanted to change my mortgage lender for a long while and have approached other lenders myself. The thought of gathering all the required documents and knowing which lender to go with was quite daunting. I searched online and decided to make an appointment with Jenny from Mortgage Choice Gawler. Wow... was this one of the best decisions that I have ever made. From the first phone call, email message and text message Jenny was in constant contact making sure all the required documents were received. She found a very suitable lender that met my needs and I am completely satisfied with the excellent customer service provided by Jenny and staff at Mortgage Choice Gawler. The whole process was quick and easy. I should have done this long ago. Will definitely see Jenny again when needed and refer to others. Thank you Jenny and all staff at Mortgage Choice Gawler. Regards Michelle M
Michelle, Virginia, SA
- Refinancer

The team at Mortgage Choice Gawler made the process of building our first home a dream! Their communication was outstanding and we knew we never had to worry about a thing. We highly recommend them!
Mark & Jessica, Williamstown, SA
- First Home Buyer

Leith Yelland is fantastic! This is the third time we have worked with Leith and every time he has provided us with fantastic service along with the other staff at Mortgage Choice Gawler. Thanks!
Peter & Kayelene, Sandy Creek, SA
- Refinancer

This team is excellent. They are extremely helpful, friendly, reliable, communication is top shelf and very good with all the silly questions. They've made the process easy and its much appreciated, thanks again.
Mark & Hayley, Kadina, SA
- Upgrader

Just keep doing what your doing!!
Jonathon & Hayley, Munno Para West, SA
- Upgrader

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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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Leith Yelland & Jenny Freeman Your Local Mortgage Brokers in Gawler.

Your home loan has never been easier.

We share your passion

The loan that suits you needs

Expert advice at no cost to you

All your financial needs are covered

The right home loan for your needs

Help me calculate

How much can I borrow

Home loan repayment calculator

Stamp duty calculator

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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