"Your local Mortgage Choice consultant servicing ACT and surrounding NSW region"

Call: 0422 138 752

Mark Reber is a mortgage broker and home loan specialist for Canberra and surrounding NSW region. Contact me to see if you can get a better home loan deal.

Call Us Mortgage Choice Gordon
Office - 0422 138 752

Open Hours Mortgage Choice Gordon
09-00am to 6-00pm
Free Appointment

Mobile Broker

ACT & surrounding regional NSW
Mobile - 0422 138 752
Email - mark.reber@mortgagechoice.com.au

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I offer to you my knowledge and expertise gained from 40+ years of experience in banking and finance, including nearly 35 years as a specialist home lender for Canberra and nearby regional NSW.

After being employed nearly 27 years with a major Australian Bank, the last 3 years there as Mobile Home Mortgage Manager for the ACT, following downsize I took my knowedge and expertise direct to the market joining with Mortgage Choice who I've been with for 16 years attending to the interest of 1,000's of clients. My main aim is to work together with my client(s) to assist them meet their housing need(s) in the best & most economic way possible.

Please call me and we can arrange to meet at a mutually convenient date, time and place.

Best regards ... Mark

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

This is the second housing loan I have gone through Mark to get and he was brilliant as usual. I went back to Mark he has so much knowledge of finance and banking. In the initial research phase, Mark provided lots of loan options and talked me through the pros and cons of each option, he is completely independent and is not at all pushy. Once I chose a bank and got conditional approval, I made an offer... read more

Giselle
21 August 2023

Many thanks Mark,

A great way to start off the New Year!

Thank you for all your hard work on getting this done.

Best wishes,

Rex & Caroline

Rex & Caroline Stevenson
03 January 2023

Hi Mark,

Thank you so much for all your effort.

We really appreciated everything you have done for us.

Kind regards,

Ryan & Lauren

Ryan & Lauren
03 December 2022

Dear Mark,

Thank you so much for all of your hard work, it has been fantastic. You're welcome to come over after we have settled in for a celebratory beer.

Regards,

Jono

Jonathan
03 December 2022

Mark helped me purchase an off the plan apartment and helped me with everything as well as keeping me up to date with what was happening every step of the process. I will be using him again for any future purchases. Thank you again for your help Mark

Shane
25 September 2022

Dear Mark,

Thank you for all your hard work helping me to find a home-loan and facilitating the process to buy my first home. I'm very happy with my lender & wouldn't have found
them without your help.

Thank you for your assistance up to settlement & beyond.

All the best for the future,

Dinusha (:

Dinusha
15 August 2022

Marks knowledge as a Mortgage Broker and his careful analysis and objectivity of the mortgage market, as set against our requirements, was first class. That this was matched by such a lovely man who put our needs first and followed through on every detail of the deal we ultimately struck, was more amazing. Could not recommend anyone more highly than Mark.

Adrian
18 May 2022

Mark Reber has been my mortgage broker for nearly 20 years and has successfully assisted me with my original mortgage, as well as with subsequent refinances.
Mark has always given me a range of options to choose from, listened to my needs and offered service that best suits my current needs.
When I first met Mark he explained that he would never encourage me to over extend myself, even if on paper I cou... read more

Karen
17 April 2022

I highly recommend Mark Reber if you are looking for a mortgage broker. He is extremely knowledgeable and professional. He takes the time to understand your needs and patiently answer any questions. I was very impressed with the level of service Mark offered.

Deborah
17 April 2022

Dear Mark

Thank you so much for your advice, time and effort. I really hope this is the last time we have to do this ????

It always pays to use a great mortgage broker and you've always been terrific, offering sound recommendations that suit my needs and always looking after my best interests.

Best regards,

Karen

Karen
24 March 2022

Refinancing guide

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

Download now

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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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