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

Call: 0422 138 752

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Office - 0422 138 752
Fax - 02 6294 6308

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09-00am to 6-00pm
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Mobile Broker

ACT & surrounding regional NSW

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.

Mortgage Choice is paid variously by its Lenders & all Mortgage Choice Franchisees are *** PAID AT THE SAME RATE OF COMMISSION*** irrespective which product or lender you choose from our wide panel of Australia's leading financial institutions. I have access to hundreds of loans and am committed to sourcing with you the most suitable loan product(s) for your consideration from within our wide Lender Panel.

I'm paid the same commission regardless of which home loan you choose, as long as it's a residential home loan with one of the 20 lenders on our panel. This ensures we're focused on the right outcome for you.

Mortgage Choice, now a multifaceted organisation offering additional services and expertise in Financial Planning, Asset Finance and Loan Protection to name a just few.

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. ~

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

I just wanted to thank you for your message yesterday and for all your support throughout the process of buying my first home.

Sam
Samantha, Nicholls, ACT
- First Home Buyer

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

Thanks for your call yesterday. We have been flat out moving in! We just wanted to say Thank you for all your help and support though-out this long process of buying our home off-plan. It is wonderful to be in our own home.

Regards ... Michelle
Michelle and Lynton, Forde, ACT
- Upgrader

Hi Mark, just a note of thanks for your professional touch with organising Kelsey's investment home-loan. All went well and she has tenants moving in tomorrow. She's a very happy girl indeed!!!

Cheers Fred
Fred, Amaroo, ACT
- Property Investor

Words can't express how extremely grateful we are for your hard work, great advice and assistance with our new home purchase.

Thank you from the bottom of our hearts.

Warmest regards,

Stu and Kell
Stuart and Kelly, Murray Downs , NSW
- Upgrader

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

Thank you for your guidance. we will definitely be recommending you to all our friends . Your candor, friendly approach and professionalism are worth bottling!!!
Terrylea, Kambah, ACT
- Property Investor

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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.

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