Mark Reber

"Your local Mortgage Choice consultant servicing ACT and regional NSW"

Call: 0422 138 752

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

Call Us Mortgage Choice Gordon
Office - 0422 138 752
Fax - 02 6294 6308

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

Mobile Broker

ACT & surrounding regional NSW

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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. ~

Google Reviews

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Mark

Thank you very much for your help with my refinance. Everything progressed as you advised, very breezy!!!
I appreciated your patience over past few months and won't hesitate to recommend you to anyone I meet seeking assistance with the purchase or refinance of a home.

Best regards ... Alli
Allison, Crace, ACT
- Refinancer

Hi Mark

Thank you for all your help and patience with me, I was very stressed out and you managed to get the loans through which is great.

Thanks ... Ally
Alison, Fisher, ACT
- Refinancer

Dear Mark

We never imagined we'd change properties three times in the space of seven years. Each time you went above and beyond, and we couldn't have done it without your help.

Best regards ... Mark and Melinda
Mark and Melinda, Fadden, ACT
- Upgrader

Hi Mark

We can't thank you enough for your assistance with our home-loan increase and variation, as always we will continue to recommend your services to anyone looking for a good Mortgage Broker..

Cheers

Simon and Michelle
Simon and Michelle, Casey, ACT
- Refinancer

Thank you once again for seeing us through to the settlement of our Crace Act investment home. We value your continued service, knowledge, experience and professionalism.
James and Karina, Crace, ACT
- Property Investor

Thanks Mark

Your hard work, patience and Professionalism are truly appreciated.

I will have no hesitation in recommending you to anyone who
I think requires your services in the future.
Alex, Bruce, ACT
- First Home Buyer

Hi Mark,

We really appreciated all the time and effort that you put in to get everything sorted for our settlement. You always hear awful stories about how stressful it is buying a house but it hasn't been for us and I believe you deserve the credit for that!

Thanks again for everything!
Phil and Alex, Phillip, ACT
- First Home Buyer

Dear Mark,

Thanks so much for all the work you put in to help us buy our first home we really appreciate it.

Kind regards,

Emma & Scott
Emma & Scott, Googong, NSW
- First Home Buyer

Our broker Mark was awesome. He is approachable, flexible, knowledgable and an outstanding representative for Mortgage Choice. We will definitely use Mark in the future when needs be.
Jo & Darren, Forde, ACT
- Upgrader

Dear Mark

Please accept our thanks in appreciation for all the effort you went to with our home-loan.

We couldn't have done it without you.

Many thanks,

Katie and Daniel
Katie and Daniel, Bruce, ACT
- First Home Buyer

Just letting you know that we are picking up our keys tomorrow afternoon and we are doing the move on Saturday. It’s all very exciting.

Dear Mark,

Thank you so much for your help and advice. You have truly made the process straightforward and have helped us get our first home.

All the best,

Leon and Melissa
Leon and Melissa, Holt, ACT
- First Home Buyer

Mark

You're an absolute legend!!! Expect a call from two of my work colleagues who after I told them of my news (and with the support you provided who wouldn't) they were very impressed and asked me for your contact details.

I'm pretty much over the moon.

Malcolm
Malcolm and Rebekah, Fisher, ACT
- First Home Buyer

Hi Mark,

Many thanks once again for all of your help and support, it has been a really great and smooth transition throughout. And we get to do it all again next April following the sale of our
current Tasmanian home.

Many thanks

Oli & Jo
Oliver & Josephine, West Hobart, TAS
- Upgrader

Hi Mark,

It's been a little while since we'd last spoken but hope this email finds you good and well.

I contacted you to let you know that with all of your help from the start of the process helping us to get our home-loan to your ongoing support over the years (getting our interest rate reduced) we paid our home-loan off in full today.

We're very proud that we did it in 6.5 years and I still remember you saying "get in and smash the loan" at the outset, we followed your advice and now it's all done.

We won't hesitate to contact you if we need your services once again.

Regards,

Simon and Annie
Simon and Annie, Ngunnawal ACT, ACT
- First Home Buyer

Dear Mark

It was great to hear from you that our residential block of land settlement progressed okay.

Thank you so much for all your hard work in facilitating and expediting this process, especially as we were overseas on posting which we admit added an extra dimension to our deal.

Best wishes,

Marlon and Sonia

Sonia and Marlon, Makati , Philippines, NSW
- Upgrader

Refinancing guide

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

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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 $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 $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 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 $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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