Matt Skrokov Mortgage Broker in Somerton Park, Brighton, Sheidow Park, Hallett Cove and surrounds

Call: 0499 015 565

Matt works closely with his clients to ensure they understand their options, know exactly how much they can borrow and ensure they choose the right loan and the right lender to suit their needs.

With more than 13 years’ experience in banking, Matt is committed to helping his clients realise their financial goals through well-structured lending solutions.

He offers a mobile service across Adelaide, particularly the southern beachside suburbs.

Call Us Mortgage Choice Somerton Park
Office - 0499 015 565

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

Address

2 Wilton Avenue SOMERTON PARK, SA 5044

Latest home loan interest rates

Starting from

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Comparison rate

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Services

Matt has the experience, expertise, and service-focused approach to help you secure a great result for all your personal and commercial lending needs.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)

Other areas I service

With his broad and diverse financial skillset, Matt can offer clear advice and assistance for all types of lending, including in specialised areas such as SMSF lending and rent roll lending for real estate agents.

He provides a mobile service across the Adelaide metropolitan area, particularly southern beachside suburbs.

Hallett Cove
Trott Park
Reynella
Seacliff Park
Seacliff
Brighton
Somerton Park
Marion
Oaklands Park
Glengowrie
Morphettville
Sheidow Park

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Somerton Park, Brighton, Sheidow Park, Hallett Cove and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with Matt to discuss your unique circumstances.

Ready to kickstart your journey to home ownership?

We’ll assist you along the way and do all the legwork for you! Call Matt today on 0499015565

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

Excellent service and communication - friendly and well informed with great advice on best outcome for client. Thank you Matt and team

Adam
28 March 2024

Being a first home owner and having absolutely no knowledge of mortgages etc, Matt has been an absolute legend working with me and explaining the processes. I felt so comfortable using Matt and his team. Nothing has been too hard and he's gone above and beyond many of times to help get things on track. I would use him again 100 and have already recommended him to family friends.

leigh
06 February 2024

Matt his team have been absolutely amazing helping us out with our finances and home loan. We have been in touch for almost 2 years going back and forth. He has gone above and beyond sharing tips and knowledge not to mention all the after hours calls, emails and texts to help us out. His attitude and professionalism is 1010. Highly recommended

Georgie
06 February 2024

Matt and his team made the process of refinancing my home loan incredibly easy. He works extremely hard to find the best deal and was able to clearly explain the range of options we had available. I always recommend Matt to family and friends as the go to mortgage broker in the area. Thanks Matt and cant wait to work together soon

Anthony
02 November 2023

We cant thank Matt and his team enough for the effort that was put in to make our dream of owning a home a reality. Matt provided updates on the progress of our loan application regularly. He was available readily on the phone for any questions we had. He really went above and beyond to make sure it happened. We felt complete trust that Matt knew our situation and 100 was working for us to have the best outcome.

Allyson
02 October 2023

Cant express how amazing the whole process was. Matt helped me with every step of my house buying journey from the initial chat to sorting out the best loan for me, getting me covered for insurance and a whole lot more. Not only was he so helpful with the process but also answered all my calls and questions in a timely manner. Well worth the chat to secure a loan for your first house, investment property or other property.

Mitchell
24 September 2023

Matt Skrokov was absolutely fantastic with helping us with our recent loan, nothing was to much trouble, his advice was spot on and went further than just the loan, like advice on changing locks ect, he was there to help at every turn. Matt was lovely to deal with, he got the loan approved in record time, thanks Matt
I would recommend anyone to go to Matt Skrokov i honestly dont think you could do better. I am pleased beyond what my words can convey
Jacqui

Jacqui
03 May 2023

Matt is approachable, efficient and patient. He provided us with outstanding customer service. He explained everything clearly and gave us great options. We have and will continue to recommend Matt to others.

Amy
07 February 2023

Thanks a lot to Matt and his Smartline team who helped us throughout the process of our first home loan investment. Even in the midst of pandemic he still made our home loan investment possible through his expertise. Me and my wife were so blessed with the service they provided.
Regards Jaypee and Jen.

Jaypee
01 February 2023

Matt is very knowledgeable, and has assisted us many times over the years in refinancing our home loans.

Natalie
07 December 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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2nd Applicant

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Calculate

You could borrow up to

Repayments
/ month
Expenses
Remaining

Based on standard variable rate over years.

Start the pre-approval process

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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

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.

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

Need help with your next home purchase?

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.