Michael Sugiandi

Michael Sugiandi Mortgage Broker in Ringwood, Croydon, Donvale & Wantirna

Call: 0421 222 100

Providing quality mortgage advice and helping clients select the most suitable loan is what Michael does best. With a wide panel of lenders to choose from, he can ensure your new lending solution meets your current and future financing needs as well as giving you a great deal.

“I am a highly experienced mortgage broker, and will set up your lending so as to have far-reaching positive ramifications for your financial future,” he says.

Michael offers a mobile service and is based in Ringwood.

Call Us Mortgage Choice Croydon Hills
Office - 0421 222 100

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

Mobile Broker

Servicing Ringwood, Croydon, Donvale & Wantirna

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Services

With 12 years’ experience and a results-driven approach, Michael provides expert assistance with a wide variety of lending requirements – from home loans and investment loans to business loans, car loans and personal loans.

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

A little more about Michael's service

By placing you with the right lender and loan structure, providing practical assistance and guidance, and efficiently managing the borrowing process on your behalf, Michael will help you save money, time and stress.

Based in Ringwood in Melbourne’s east, Michael offers a mobile service in Melbourne’s eastern suburbs and beyond. He can meet at a time and place that’s convenient for you.

What is your borrowing power?

When you're ready to start looking at purchasing your property, it's important to have a better idea of what 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 Michael to discuss your borrow power and your unique situation.

Ready to start your home loan journey with Michael's help?

Find out why my customers are more than happy with my service and contact me on
0421 222 100. In most cases, my service comes at no cost to 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. ~

Client reviews

Michael has been so wonderful to deal with throughout my mortgage journies. He goes above and beyond to assist and make the processes as stress-free, and smooth and possible.
Melita Dacruz
16 July 2022

Our financial situation was quite complex. Michael went above and beyond to make sure that the financial institutions he was dealing with had a very clear picture of our situation and an understanding that we would be a good client. More than happy to recommend Michael if your situation is complex and needs someone who has a good understanding of company structures, trusts and the like.
Fiona Hall
13 February 2022

Michael was very helpful with the whole process. Michael exceeded our expectations, as ours was a very complicated loan, that in the end was made fairly simple. Would highly recommend Michael's services.
Stephen Hagl
01 February 2022

Michael was very helpful, informative and committed to helping us through the entire loan application process. He was always contactable whenever we needed him and happy to fully explain things in detail. Beyond this he was a really nice guy and pleasant to deal with. Highly recommend.
Warrick Pogue
06 September 2021

Michael went above and beyond our expectations and made the hurdles we came up against less stressful because of our faith in him.
Kathryn Harris
01 August 2021

Michael was fantastic in the way that he took the time to understand our situation and then worked with the lender to get the loan done. Would absolutely recommend to anyone who needs to get or change their home loan
David Swiggs
17 May 2021

Michael was a pleasure to work with during the entire process and always there to answer our many questions along the way. Would definitely recommend to others.
Christopher Vinecombe
16 May 2021

Michael was recommended to us, and we highly recommend him to others. We had a complicated situation and needed a quick turnaround during COVID. Michael guided us exceptionally well through every step. We are now happily in our new home. Thankyou!!
Anna Burchell
04 February 2021

Michael was beyond amazing. He took the time to explain everything to be and was able to work around my work schedule. Would and already have recommended him to family and friends. Extremely happy with his professionalism
knowledge and service.
Natalie King
21 January 2021

I've been with Smartline for 5 years and have never been disappointed. Micheal is professional while casual and always provides clear communication to help us understand complicated financial processes. We recommend Smartline to anyone considering.
Adam Clancy
04 November 2020

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 $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.

Michael Sugiandi Mortgage Broker in Ringwood, Croydon, Donvale & Wantirna

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