Mortgage Broker Leichhardt, Balmain, Drummoyne, Glebe

Home Find a local expert Nicole Stapleton

Local Home Loan and Mortgage Broker for Balmain, Drummoyne and the Inner West, Sydney

Call: 0404 421 695

Looking for a home loan? Talk to Nicole Stapleton, your local Mortgage Choice broker from Drummoyne, NSW. Let us research and compare up to 25 lenders for you

Call Us Mortgage Choice Drummoyne
Office - 0404 421 695

Open Hours Mortgage Choice Drummoyne
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
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Servicing Drummoyne, Balmain, Rozelle and surrounds.

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Hello Sydney Home Owners and Buyers

Ny name is Nicole and I wish you all the best during these current very challenging Covid times. Hang in there, things will get better and we live in the best city in the world and Spring/Summer is on it's way!

Home Loans and borrowing money can be complicated, let me use my expertise to save you money and time.

Interest rates are at all time lows, under 2%, so it is a great time to refinance or buy your first property, upgrade to a better property or renovate to create your dream home.

Perhaps consider buying a property to rent out - Investing, so you can benefit from capital growth but still live where you love. There is no cost to you to use my service.

Let me help you. I will explain the whole process to you and offer a friendly and efficient service.

I am 100% committed to helping YOU find the right mortgage to suit your needs and circumstances. I am passionate about providing YOU with exceptional customer service. I want to save YOU time and money on your loan and best of all.

I don't charge you for my service.

I love to negotiate the lowest interest rates for my clients and they have just dropped again!!!!

Very low interest rates available from 1.88%pa

Are you?

Looking to purchase YOUR first home?
Looking to purchase YOUR next home?
Looking to buy an investment property?
Looking to refinance or top up YOUR existing loan?
Simply wanting a Free Home Loan Health Check?

Call me on 0404 421 695 or email me on nicole.stapleton@mortgagechoice.com.au to arrange an appointment at no cost to YOU.

I have some great news for you - All the lenders are competing heavily for your business. There are certainly some great deals available but it can be confusing so speak to our team of experts now to help you with your mortgage.

Did you know?

At Mortgage Choice, we have over 25 lenders on our panel including the Big 4 (CBA, Westpac, ANZ and NAB) and hundreds of mortgage products, it is my goal to get you the most suitable and competitive loan for your circumstances. I am paid the same commission regardless of which lender you choose therefore my lender recommendations are all about you.

I am 100% committed to finding YOU the right product with the right lender.

How does it work?

Simply contact me and I will guide you through the process. During these restricted Covid times, we can discuss all your needs over the phone, zoom, video call and/or email at a time that is convenient to YOU.

By utilising my friendly and knowledgable service YOU will save yourself time, stress and money.

Thank you for visiting my website, I look forward to meeting YOU and helping YOU reach your goals.

Nicole

0404 421 695
nicole.stapleton@mortgagechoice.com.au

Servicing all areas including Drummoyne, Leichhardt, Annandale, Forest Lodge, Glebe, Balmain, Balmain East, Rozelle, Lilyfield, Birchgrove, Summer Hill.

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. ~

Nicole guided us through the process of purchasing our new family home in a professional and reassuring manner. We were shielded from much of the work whilst being across the detail at all times. This is just what we needed, with work and family commitments taking up most of our time. We can't thank her enough.
Craig Brown, Geelong, VIC
- Upgrader

Nicole, Thanks so much for your help and for being just so GREAT with everything. You have made this whole process much less daunting. Look forward to buying the next property with you!!
Mel, Drummoyne, NSW
- First Home Buyer

Nicole, we are very pleased with the refinance mortgage package you negotiated and secured for us and, from our perspective, the ease with which the new loan was applied for and approved. The resulting savings to us are far more than we would have achieved had we dealt directly with the bank. We thank you for this and won't hesitate recommending you to others wanting a mortgage best suited to their needs, at an interest rate less than they might otherwise obtain.
Darryl and Caroline Drown, Rozelle, NSW
- Refinancer

As a first time Investor I had a truckload of questions and queries, the process could not have been simpler and the service that Nicole and Aurora provided was outstanding! Nicole explained everything in clear simple terms and Aurora kept me updated at every turn, I will recommend them to family and friends and can't wait to do it all again.
Juanita, Annandale, NSW
- Property Investor

Nicole and Aurora were extremely helpful in assisting me to find a good mortgage that suited my finances and needs, but which took my preferences into account. Once the process was started, they worked hard to ensure I was kept informed and that things kept moving - not easy given that I was overseas the entire time this was taking place!
Nick, Canberra, ACT
- Property Investor

Investing can be scary. Nicole made it easy. She was great throughout the whole process, answering all of my silly questions and showing me the different options I had when it came to my home loan. I thoroughly recommend Nicole to anyone looking for great friendly service. She saved me time and money!
Deanne, Ellwood, VIC
- Property Investor

I found my consultation with Nicole extremely helpful. Nicole went out of her way to elevate all of my queries and concerns which was fantastic as I was a first home buyer and faced with what I perceived as a daunting process ahead. Nicole helped make the process very smooth. Aurora, similarly was just has helpful and calming. Aurora would continue to update me on my application at every step of the way. I always felt that she had my best interest at heart. I would have no problems recommending Nicole or Aurora to anyone and indeed have, as a result of their utter professionalism, personality and help they provided me
Tara, Bellambi, NSW
- First Home Buyer

I would like to thank all of you for a pleasant, professional and great experience in purchasing my first investment property. Being my first time, each of you showed dedication, answered all questions promptly, and kept me up to date on important issues.

I wish you all the best and Nicole you have a great team behind you!

I will hopefully deal with the team again, and I will definitely be referring friends and family to the great service that you have provided me.
Sean, Balmain, NSW
- First Home Buyer

Dear Nicole
I would like to thank you for the great friendly service and without a doubt I will recommend your services.
Getting the right home loan turned out to be not that overwhelming thanks to you and your product knowledge.
Currently packing and moving tomorrow ? Love my new place!
Thank you once again
Kind regards Peter
Peter, Ashfield, NSW
- First Home Buyer

It was my first time purchasing a property and I really wasn't sure of all the steps and processes that needed to occur and in what order, Nicole and Aurora were so fantastic in their support to me and supporting the process to ensure my mortgage set up and property purchase went smoothly, on time and with exceptional service all the way!!! I really feel valued by this process and it has made my experience so easy and comfortable....
Thank you so much Nicole and Aurora.

July 2016
Nicole, Wentworth Point, NSW
- First Home Buyer

Refinancing guide

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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 $176,000 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.

The Territory’s First Home Owner Discount has been in place since 8 February 2019. It lets you save up to a maximum of $18,601 on the cost of stamp duty. The savings is available whether you buy a new or established home as long as the home is 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 $8,750, 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 $505,000, you pay stamp duty of $1,050, a saving of $7,875. These savings cut out altogether if your first home costs $550,000 or more. On a property valued at $550,000, for example, the stamp duty would work out to be $10,600.

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 $20,000 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.