Home loan and financial experts in Canberra

Home Find a local expert Matthew Hayes

2018 Rising Star Finalist Matthew Hayes and his team in Manuka ACT

Call: 02 6239 4215

Call Us Mortgage Choice Manuka
Office - 02 6239 4215

Open Hours Mortgage Choice Manuka
Monday - Friday 8:30am-4:30pm
After Hours via Appointment
Free Appointment

Address

25 Murray Crescent MANUKA, ACT 2603

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At Mortgage Choice Manuka our mission is to achieve great customer service, through lender, and property knowledge, and strong industry relationships. We pride ourselves on a educated but engaged approach to the standard Mortgage Broker.

Mortgage Choice Manuka is proudly owned and operated By Matthew Hayes who has been a Canberra Local all his life. Matthew's team is confident, educated and knowledgeable, we want to build a long lasting relationship with all clients. We will provide you a tailored service that others simply can’t match.

Our Office is conveniently located at Manuka Shops.

25 Murray crescent
Manuka ACT 2603

Get in touch with Mortgage Choice Manuka

Home Loans

Looking at buying a home or refinancing? Talk to us today about finding the right loan for you. With our award winning team, dedication to customer service and access to over 20 lenders, let us do the leg work for you.

We offer more than the average mortgage broker. We genuinely want our customer to have an enjoyable experience from the time they make first contact to when they discharge their loan. Our aim is to make the process of getting a home loan, or refinancing an existing loan as easy and stress free as possible, while also working to find the best deal.

Investment Loans

Mortgage Choice Manuka understands that investment loans are different to owner-occupied loans. We can work with your Accountant or Financial Planner to best work towards your investment goals. We have a wide offering of loan products which will be tailored to your investment needs.

We offer our Investor clients a complimentary yearly review service as keeping on top of Investment Loans can be the difference between a good and bad investment.

When first moving in to the Investor Market having a core strategy and plan is pivotal. We can assist you with all your finance questions and loan structures.

Construction Loans

Building your home may sound hard, but at Mortgage Choice Manuka we simplify the process and show you step by step it's really not that hard at all.

Construction loans make it possible to build a home when you might otherwise be unable to do so. Building a home can be a great experience if you want to design something unique or specific to your needs and the needs of your family, or for investment purposes.

With a construction loan, you can break up the draw down of the loan amount into progressive draws which parallel the construction phases. As one phase of the construction is complete, you are able to draw down the next portion of the loan. This means that interest is only being calculated on that amount which has been physically drawn down, and this way you are only making repayments on the portion you have used. When construction is complete, you can nominate which product or loan type your loan reverts to.

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

We have now completed four loans with Mortgage Choice and would consider no other way in the future. There is no reason for us to approach a bank ever again.
Angus & Anita, Fadden, ACT
- Property Investor

I would recommend him with no doubt to anyone. He was helpful and straight forward with his dealings and provided an excellent service.
Adam, Phillip, ACT
- First Home Buyer

Matt was very knowledgeable and fantastic customer service. I will definitely be returning with more business!!
Rob, Watson, ACT
- Refinancer

I would like to say a big thanks to Mr Matthew Hayes.what a wonderfull best deal and loan amout we have got with the help of Matthew.he is very professional,have sound knowledge of the loan market.he is reliable and very quick in replying message phone call and emails.he always keep you update about the application.we would highly recommend him if you need a best home loan deal. I went to nearly 6 brokers and 8 banks for home loan but Matthew is on the top to get me the best deal.very best of of luck to Matthew and his company. Regards Raman
Raman, Mawson, ACT
- First Home Buyer

Matthew is the best broker I have ever dealt with. He was quick to respond, flexible with the timing for our first meeting, he came on time and well prepared, listened to my financial situation and goals patiently. He negotiated the best deal with my current lender which I was trying for a year. I am able to save $200 a month now with his help and it did not cost me anything. I will contact him only for house loans in the future. Thank you very much Matthew for all you support
Gurmeet, Franklin, ACT
- Refinancer

Michael, with little experience in a mortgage application, it was not easy for me to figure out which bank I should choose and how it is going to work. I still remember sitting in your office talking with you about my concerns and it was your professional approach, kindness and your willingness to take time to understand me as an individual client giving me the confidence to go ahead with your advice for my loan process. Thank you for making this stressful process easier and smoother for me.

I would highly recommend you and your company to all my friends and anyone who is seeking guidance in financial matters.
Annie, Garran, ACT
- Property Investor

Matt was excellent to deal with. Approachable and dependable. He took no shortcuts and was always honest with us. Very happy with the service and advice provided.
Mal, Wanniassa, ACT
- Refinancer

First home buyer's guide

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process.

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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 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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2018 Rising Star Finalist Matthew Hayes and his team in Manuka ACT

Manuka

Latest home loan interest rates

Our Office is conveniently located at Manuka Shops.

Get in touch with Mortgage Choice Manuka

Home Loans

Looking at buying a home or refinancing? Talk to us today about finding the right loan for you. With our award winning team, dedication to customer service and access to over 20 lenders, let us do the leg work for you.

Investment Loans

Mortgage Choice Manuka understands that investment loans are different to owner-occupied loans. We can work with your Accountant or Financial Planner to best work towards your investment goals. We have a wide offering of loan products which will be tailored to your investment needs.

Construction Loans

Building your home may sound hard, but at Mortgage Choice Manuka we simplify the process and show you step by step it's really not that hard at all.

The right home loan for your needs

Google Reviews

Tyran MacDonald

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Madison Reeves

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Jennifer Grace

Rebecca Husmar

Martin Tatsis

Hannah Mossman

Jason Demetrious

Ryan Joseph

Jason Smith

Samuel Thompson

Kylie Pratt

Kate Carroll-Fajarda

Chelley Hayes

Paul Harris

Lyndsay Zarew