Melissa Burt

Your local Home Loan Mortgage Broker in Modbury, Tea Tree Gully, Golden Grove & surrounds

Call: 0403 382 327

Mortgage Choice Modbury - Melissa Burt
Helping you make better choices for a better life.

Its important to review your home loan every few years to see if there is a better home loan for you. I could help you make a better choice with your home loan by comparing over 20 lenders at no cost to you. At Mortgage Choice Modbury we know that better choices lead to a better life. Call today 82632930 or 0403 382 327.

Call Us Mortgage Choice Modbury
Office - 0403 382 327

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

Address

Shop 20, Pelican Plaza, 1007 North East Road MODBURY, SA 5092

Welcome to Mortgage Choice in Modbury.

Located in Pelican Plaza at Modbury, our team are here to help you to:

Buy your First Home
Upgrade to your next Home
Invest in Property
Refinance your current home loan to a lower rate or
Access the equity in your home for something special

Why not call us now on 0403 382 327, to find out your borrowing capacity and what is involved in financing your move, goal or purchase. In less than 5 minutes, we will ask you some simple questions to understand your needs. That way, we will have some excellent options to discuss with you when we meet.

Or why not request a call back. Just tell me when you would like me to call.

Either way, we will guide you through the process, taking care of all the paperwork and leaving you to focus on your property ownership goals.

Good news too! Our service is at no cost to you because the lenders pay Mortgage Choice.

Please call in to our office located at Shop 21, Pelican Plaza in Modbury or we can come to you.

Call us today on 8263 2930. We look forward to finding the right home loan for your needs and helping you to achieve your property ownership goals.

Suburb Profile - Modbury

Modbury is in the heart of the City of Tea Tree Gully, a relaxed 25-minute drive to Adelaide’s CBD and a gateway to the Adelaide Hills.

Key attractions for Modbury include Westfield Tea Tree Plaza and its outdoor dining precinct, the ever-popular Civic Park, Modbury Hospital, and the O-Bahn busway which links Modbury to Adelaide in under 20 minutes.

Modbury is surrounded by lush green open spaces, playgrounds, cycling paths and walking trails.

Invest in affordable spacious homes and modern living - ideal for first-home buyers, people looking to upgrade and investors.

Modbury is the major business district of the north-east, with strong jobs growth and low unemployment rates.

See Modbury suburb profiles for further information and the latest property listings.

Real Estate expert Terry Ryder has written a comprehensive report on Modbury and the City of Tea Tree Gully. The report outlines the local housing market and detailed suburb data. A must read for anyone considering the Modbury area for their next home. Read the report here.

Suburb Profile – Wynn Vale

Did you know that the size of Wynn Vale is approximately 4.4 square kilometres. It has 25 parks covering nearly 22.2% of the total area. In 2016 the population was 7757.

The predominant age group in Wynn Vale is 50-59 years. Households in Wynn Vale are primarily couples with children and are likely to be repaying between $1800 - $2399 per month on mortgage repayments. In general, people in Wynn Vale work in a professional occupation.

In 2016, 77.8% of the homes in Wynn Vale were owner-occupied. The average length of ownership of a Wynn Vale property is 11 years. Total new listings for sale in the Wynn Vale area over the last 12 months are 99 with 26 currently on the market. Currently the median sales price of houses in the area is $444,000. The suburb is surrounded by many great schools such as Kings Baptist Grammar School, St Francis Xavier Regional Catholic School, Gleeson College, Pedare & Golden Grove High School to name a few.

If you are looking to buy a home or investment property in Wynn Vale or any of the surrounding suburbs please call us on 8263 2930. We can provide you with a free property report on any home that you are interested in. The report provides you with information such as when the house last sold, how much for and how long it has been on the market. All great information that can help you to negotiate the right purchase price. A pre-approval can also put you in a great negotiating position when it comes to making an offer on your dream home or investment property.

Call us today on 8263 2930. We would love to assist you!

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. ~

Thanks Melissa. The product you recommended was fabulous and we were really impressed with the interest rate offered.

We loved the way you followed up and constantly communicated at each step of the way. We are so busy with long hours at work, and it was so nice to have your communication over email/telephone to fit in with our schedules, not to mention the added service of visiting us after hours.
I Trivedy, Mawson Lakes,

We found it a pleasure to deal with you during our recent refinancing exercise. You were warm and friendly while still approaching all aspects of the process in a professional manner. You were in constant communication with us, ensuring we were kept up to date through the entire process. We would have no hesitation recommending your services to friends and family - in fact we already have.
G & D Harford, Wynn Vale,

We were very pleased with the commitment shown to us and the professional way our loan was handled.
D & H Thatcher, Greenwith,

A professional and friendly approach that made the experience painless and better for our finances.
C Graham & K Robinson, Houghton,

You went over and beyond to ensure the process was smooth and swift, even attending to my queries whilst on holiday. More than happy to use your services again. Very customer centric. Thanks.
S Goodwin, Mt Barker,

Refinancing my loan was stress free with Melissa Burt from Mortgage Choice. It was convenient as she came to my house for every appointment, making it easy to fit into a busy schedule. I would highly recommend Melissa Burt to anyone wanting to refinance, or anyone looking for their first home.
N Boukaram, Golden Grove,

Thank you Melissa. I was extremely happy with all you did for me. Loved the fact you could come to our home at anytime. You have a very professional manner combined with a very compassionate side. In all, you were wonderful to deal with and I would certainly recommend you on.
M Gardner, Golden Grove,

Great service & care in looking after everything required to get the loan needed. Excellent service. Highly recommended for everyone needing to source information and loans.
B Hartman, Ingle Farm,

Melissa provided us with great advice and friendly service. She was easy to communicate with, empathetic and reassuring during what was, at times, a stressful process because we were buying and selling on the same day with a short settlement timeframe. We would highly recommend her to our friends and family
A Na & B Netherclift, Hallet Cove,

Melissa was very professional and very knowledgeable of all loan products from many Banking Institutions. We found Melissa to be very easy to deal with. She always did what she said she would do and we trusted her judgement. We will use Melissa again as she has integrity.
T & D Billing, Hillcrest,

We really appreciated you visiting us 'after hours' to get everything organised, realising that you had to go out of your way a bit. Excellent communication throughout the process and in the end we got the mortgage we were after. Thanks !
T Moran & D Ball, Rostrevor,

Melissa was very comforting in the total process of obtaining a home loan for my investment property and catered to my individual needs to get me just what I needed. Thanks so much!
M Anderson, Gumeracha,

Melissa your ongoing support and assistance was second to none.

Your professionalism and knowledge certainly stood out.

I will be recommending you to friends and family, just like I was recommended by a friend to contact you.
O Baker, Warradale,

Couldn't have asked for better service or communication!
I would definitely use and recommend Melissa in the future.
C Jones, Salisbury Downs ,

Melissa was a courteous, professional lender that was well informed about products available for her clients.
Her continual updates throughout the process were great and showed she cared about her clients needs.
I would recommend to anyone, to use all of the services Melissa provides.

A Watkins, Fairview Park,

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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 $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 $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 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 $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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