Mimma Cortes Mortgage Broker in Macarthur, Picton, Campbelltown & surrounds

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Call: 0400 975 024

Mimma is a solutions-oriented mortgage broker who consistently goes above and beyond to help her clients achieve their financial goals. Driven by integrity and a solid work ethic, Mimma will educate and guide you through the entire loan process, keeping you informed and up-to-date every step along the way.

She is available to assist clients in the Macarthur region and Wollondilly Shire.

Call Us Mortgage Choice Harrington Park
Office - 0400 975 024

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

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Start your home loan journey today

Services

Mimma is passionate about helping her clients achieve home ownership and build wealth. She’ll expertly guide you through the challenges of securing finance, offering straightforward, honest advice and liaising with the lenders on your behalf.

Home loans
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

Mimma’s financial expertise is complemented by her experience as a property investor and a sound knowledge of the local market in the Macarthur region. She and provides a mobile mortgage broking service across Macarthur and Wollondilly Shire.

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Macarthur, Picton, Campbelltown 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 (link to calculators page) or get in touch with me 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 me today on 0400 975 024

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

Mimma gave me the guidance and support to confidently purchase my first home sooner than anticipated. She went above any beyond during the whole process to ensure I was able to settle with the property I wanted even when a few roadblocks came up.
I highly recommend Mimma to anyone looking for a mortgage broker, especially those new to the market

Eduardo
25 March 2024

Very professional . They guided us to the right type of loan and were very accomodating and took their time to explain our loan in details. Very happy with their services and will recommend them to all family and friends.

Gary
17 March 2024

Buying your first home can be exciting and scary at the same time.
It's a bitter sweet moment, filled with questions and uncertainty.
Mimma took all those worries away.
We had so many questions. And I'm sure I kept repeating most of them, but Mimma stayed patient and guided us through the whole process.
The bank did a bit of a kerfuffle, but Mimma stood her ground and represented us. I honestly didn't feel... read more

A
17 March 2024

As a first home buyer Mimma at Mortgage Choice was an invaluable support and source of information for me on every step in the buying process. Last not least, she arranged a fantastic loan deal for me that was much better than any other offer I could find directly.
I recommend Mimma and Mortgage Choice warmly and without any reservations whatsoever

Gilbert
16 January 2024

Mimma was great, extremely helpful and willing to go into as much detail as possible. Also searched for the best deal for us. Very grateful for her help

Ree
15 January 2024

Mimma assisted my husband and I to purchase our first home in July 2023. She spent a lot of time working with us and our family as we went down the guarantor pathway. She carefully explained our options in a way we could understand and was very prompt with communication, meeting us in person and over zoom multiple times. We encountered a few setbacks with our bank making errors no fault of Mimmas however M... read more

Rebekah
07 January 2024

Mimma has been such a great Mortgage Broker for my partner I. She supported us through the process ensured we understood each and every step, she would always available and helped us purchase our first home at 22
Thank you for all of your support Mimma

Courtney
19 December 2023

Mimma's service has been outstanding. Her availability, attention to detail, and industry knowledge helped us secure our loan. She took the time to walk us through complex forms and remained friendly and positive throughout the process.

Louella
08 November 2023

I am a first time homebuyer so I did not have a clue what the process entailed. Thank god for Mimma She was genuine and patient with me and my partner throughout the process. I encountered terrible real estate agents, and unreliable conveyancers during the process and if it wasnt for Mimma I dont think we would have made it to the finish line. She was always available, going above and beyond and the best t... read more

Candice
06 October 2023

Mimma is an amazing Broker. She went above and beyond for us. Professional, prompt and supportive - always available to answer any question we had. Highly recommend.

Joshua
13 September 2023

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 $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.

Click here for more information on the WA First home Owner Grant.

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You could borrow up to

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Based on standard variable rate over years.

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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.

Mimma Cortes Mortgage Broker in Macarthur, Picton, Campbelltown & surrounds

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

Services

Other areas I service

Check your borrowing capacity

Ready to kickstart your journey to home ownership?