Marilyn Coles Mortgage Broker in Lismore | Servicing the Northern Rivers & surrounds

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Call: 02 6621 9665

Marilyn offers clients an outstanding mortgage broking service backed by more than 33 years of experience in the banking and finance industry, and an award-winning approach to customer service. She takes great pride in her honesty, commitment and work ethic, and works closely with clients to ensure they attain a great outcome.

She is based in Lismore whilst servicing the Northern Rivers area.

Call Us Mortgage Choice Lismore
Office - 02 6621 9665

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

Address

88 Woodlark St LISMORE, NSW 2480

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Services

Marilyn is a solutions-focused broker with the specialist knowledge to support clients from right across the lending spectrum. By finding the loan structure that’s right for you, she can save you thousands of dollars over the long term.

Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Reverse mortgages (Referred to third party)
Personal loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)
SMSF loans
Loan protection insurance
Building/construction loans

Other areas I service

Offering award-winning, attentive service and industry expertise, Marilyn is available to assist her clients during business hours and outside of normal business hours by appointment. Her office is based in Lismore but covers all areas across the Northern Rivers of New South Wales including, but not limited to:

Alstonville
Ballina
Casino
Kyogle
Evans Head
Bangalow
Mullumbimby
Ocean Shores

What is your borrowing power?

When you're ready to purchase your property, it's important to have a good understanding of how much you can borrow. We know that finding out how much you can borrow for a property can be a bit confusing, which is why we have some great resources at your disposal.

Feel free to check out our easy to use home loan calculators here or get in touch with us to discuss your unique situation.

Ready to start your home loan journey with our help?

Find out for yourself why my customers are so happy. I'll make your next purchase an easy one.

Call us on 02 6621 9665 today.

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

Marilyn has been amazing from start to finish. Very knowledgeable and has a can do attitude. Hard working and efficient

Angela
19 March 2024

Marilyn and Tara made our experience of buying a home smooth and easy. They worked hard to get us the best lender, with no fees and a competitive interest rate. They both were extremely responsive with all our questions via email and phone. It was a breeze dealing with them and we recommend them highly.

Tess
01 March 2024

We have been with Marilyn and her team for years. The work they do is amazing and their knowledge of the sector is impressive. They make the whole loan process incredibly easy and we can't recommend them enough.

Scott
20 December 2023

Marilyn Tara from Mortgage Choice Lismore go above beyond with their service. They're extremely efficient have excellent local knowledge. I wouldn't use anyone else.

12 December 2023

Best service you could ever hope for Marilyn and her team know this banking stuff big time and help in everyway possible the go above and beyond to get the best for there clients if you need it done right use the services that Marilyn and her team provide I can not speak highly enough of them
Bill Martin

Bill
14 November 2023

Friendly and professional made life easy helping me every step of the way. Highly recommend. Helped me with both my home purchases and would always use Marylyn as she is brilliant. Tara in the office that I had dealings with was so nice and very helpful. What a lovely team

ISIS
22 October 2023

Marilyn has sorted out our mortgage several times. She is very experienced and organised, and works hard to find the best loan for us.

Byron
28 September 2023

I highly recommend Marilyn, John and Tara. They are an amazing team who were friendly, helpful and caring in the whole process.

Mikaela
03 September 2023

Highly recommend Marilyn and the team at Mortgage Choice in Lismore. They go above and beyond with the service they provide and nothing is too much trouble. If you are looking for a team to do the hard yards in securing your next mortgage or refinance then you won't be disappointed with the work these guys carry out.

rod
15 August 2023

We are the biggest Marilyn Coles fans and will give her the highest recommendation to everyone we ever meet, forever From the very first interaction, Marilyn put us at ease with her professional and responsible lending service. Marilyn and her team listened to our goals and worked diligently day and night to make our dream a reality. We felt absolute confidence in Marilyn's guidance and are so grateful to now have her in our lives for all our future finance needs.

Stacey
09 May 2023

Marilyn and team have assisted us for 6 years and can't rate them highly enough. Have recommended Marilyn to several friends whom have been very grateful.

david
23 September 2020

Marilyn and Sharon are absolutely brilliant. When another broker failed us Marilyn got us the finance no problems! Cannot recommend highly enough.

Jerushah
24 March 2020

Marilyn has helped us in purchasing 2 properties now, and both times she has been absolutely amazing, very organised, constant communication with what ever arises, and ready to answer any questions we had at anytime of any day.
She really made the process of buying a house so less stressful and completely put both mine and my partners minds at ease.
We would, and have suggested Smartline to several friends... read more

Cory
25 March 2018

Fantastic service!

Katie
25 March 2017

Refinancing guide

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

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You could borrow up to

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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.