Your Local Mortgage Broker in Unley, Burnside, and the eastern suburbs of Adelaide.

Call: 08 8273 7970

Need a home loan? Michael Romeo is your local Mortgage Choice broker and financial services expert in Unley, Parkside, Burnside, and the eastern Adelaide suburbs.

Call Us Mortgage Choice Unley
Office - 08 8273 7970
Fax - 08 8273 7999

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

Address

Suite 6, 13-15 King William Road UNLEY, SA 5061

Our Experience. Your Advantage.

Let us help you achieve your home loan goals by tapping into our wealth of home loan experience

5 reasons why you should choose Mortgage Choice Unley for your next loan:

1. Get the best deal

At Mortgage Choice Unley Burnside our experienced mortgage brokers have access to over 20 different lenders and hundreds of different loan options. We deal with lenders on a daily basis on behalf of a multitude of clients each year. This gives us the unique ability to source the best loan options for each and every one of our clients.

2. Expert advice at no cost to you

There is no charge for our home loan service, as the lender pays us when your loan settles.

At Mortgage Choice Unley Burnisde, you get the peace of mind knowing that we are working to get the loan that is right for you.

3. We do the hard work for you

Why spend hours shopping around at different banks on your own, when your Mortgage Choice broker has them all on hand! We can help guide you to find the loan that is best for you. As your local Mortgage Broker in Unley, it is our job to take care of all the running around. We deal with the lenders, prepare and submit the loan application on your behalf, and communicate with your conveyancer and real estate agent to ensure the whole process runs as smoothly as possible. Simply, once you have signed the loan application you leave the rest to us!

4. Impartial and objective advice

At Mortgage Choice Unley we work for our clients, not the bank. Mortgages can be more difficult than they appear and not everyone fits into the same loan mould. At Mortgage Choice Unley we take your individual circumstances into account to find you the best home loan for now and into the future.

5. All your financial needs are covered

We strongly believe in the term “clients for life”. At Mortgage Choice Unley, we can help you achieve all your financial goals from first home to retirement with:

Commercial loans
Car loans and asset finance
Personal loans
SMSF lending
Mortgage Protection Insurance
Home & contents insurance.

Make it happen!

Let's get started achieving your goals. Call Michael and the team at Mortgage Choice Unley on 08 8273 7970 or visit us at Suite 6, 13-15 King William Road, Unley SA 5061

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

This is my third time using the team out here Michael and Raquel and i seriously could not be happier. The service they both give is 110.
Lane
18 July 2020

Michael and his staff made this process really easy. Not only did he get us a great deal for a new property, he saved us money by suggesting and securing different loan options for our existing properties. We highly recommend Michael.
Elly & Leon
16 December 2017

My partner Stacey and I were extremely impressed with the quality of help Michael Romeo provided us through the whole process of buying our first house together. Michael was able to anwser any questions we had with a go that extra mile attitude to help get our goal achieved and showed superiority in professionalism throughout. We both would highly recommend anyone to Michael Romeo from Mortgage Choice... read more
Jason and Stacey
16 December 2017

Michael and his staff were very friendly and professional and knew the products that where offered to us.Kept us informed and up to date right through to settlement, and even checked how things where going weeks after we had moved in. Would recommend them every time. Thanks Michael and staff.
Mark & Robyn
16 December 2017

Great customer service , very knowledgeable broker.
Tony & Carol
16 December 2017

I'm a repeat customer and very happy with the service
Peter S.
16 December 2017

Michael was fantastic. Provided real time advice and insights and made the mortgage process as seamless as possible. I am an advocate of Michael and Mortgage Choice Unley.
Giuseppe & Kerrie
16 December 2017

Michael and his team were very efficient and processed my request without any hassles. Lots of communication which made this a smooth transition.
Karen
16 December 2017

Michael provided a fantastic range of options that all met our needs, and clearly explained the differences between each one to help us make an informed choice. We could not be happier with the service & follow up that Michael provided. I would happily recommend Michael to family & friends
Anonymous
16 December 2017

Outstanding level of service and communication from Michael.
Trevor & Andrea
16 December 2017

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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 $650,000.

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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