Odette Shahnazari Mortgage Broker in Surry Hills, Darlinghurst, Paddington, Northern Beaches and Surrounds

Call: 0468 365 626

Odette’s extensive experience in the banking and finance industry means she has an in-depth understanding of all lending products and solutions.

She is committed to reducing the stress and hassle of lending for her clients, by finding the right solution to their lending needs and by assisting them every step of the way throughout the process.

Based in Surry Hills, Odette is happy to assist all borrowers and is fully mobile.

Call Us Mortgage Choice Surry Hills
Office - 0468 365 626

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

Address

Level 10, 418A Elizabeth Street SURRY HILLS, NSW 2010

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

Start your home loan journey today

Services

Whether this is your first time buying a home, or purchasing an investment property, or you’re simply looking at refinancing to save money, Odette can provide professional advice and guidance to expedite the transaction for you.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)

Other areas I service

A switched-on mortgage broker with a can-do attitude and a well-deserved reputation for outstanding service, Odette is focused on ensuring your needs are met at every stage of the borrowing process.

She is based in Surry Hills and offers a mobile service.

Surry Hills
Darlinghurst
Paddington
Redfern
Millers Point
Barangaroo
Zetland
Potts Point
Kings Cross
Haymarket
Camperdown
Eveleigh
Waterloo
Ultimo
Chippendale
Alexandria
Lewisham
Glebe
Darlington
Annandale
Marrickville
Petersham

Check out our free calculators!

Wanting to find out your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Surry Hills, Darlinghurst, Paddington, Sydney CBD and Northern Beaches and surrounds, we understand that finding out how much you can borrow for a property can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with us to discuss your unique circumstances.

Ready to kickstart your journey to homeownership?

We’ll assist you along the way and do all the legwork for you! Call me today on 0421 061 565

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

Odette helped me purchase my first property and was with me every step of the way. Being unfamiliar with the process, Odette provided me with the guidance and knowledge I needed to buy my first home with confidence. Odette was also very responsive, and always available to help me with time sensitive tasks. I highly recommended Odette, especially for first home buyers, and I look forward to working with her again in the future if the opportunity arises.

Emma-Jane
15 March 2024

Odette has been incredible all steps of the way from helping me to understand the current property market, finding the right property, evaluating my mortgage needs, and finding the best fit for me, to securing the mortgage. I appreciate so much Odette being always available to answer my questions, getting back to me quickly and, quite often, outside of normal business hours.

Not only did Odette help me w... read more

Marina
19 December 2023

Odette is brilliant. I would recommend Odette to anyone needing a broker. I can't thank her enough for the work she did for me.
Loani

10 November 2023

I cannot recommend Odette as your broker enough.
She is always available to help with any questions or requests that you may have.
She is fast to respond, professional, punctual, knowledgeable and full of great advice and tips.
She made our purchase virtually painless, and apart from making big decisions on our end, she took care of everything else.
She helped us argue a great rate, chose the best plan for... read more

05 June 2023

Odette was so easy to deal with and made the whole process much less stressful than it would otherwise have been. A very satisfied 5 stars from me

Rani
26 February 2023

Odette has helped me significantly over the past few years and has always been very responsive, kind, professional and wise with the all her guidance. I highly recommend Odette.

Janine
06 February 2023

We're really glad Odette's our broker. She helped us rework our existing loans and buy us second property. It was a six-month commitment between locating the property and the settlement. Amid increasing interest rates and some changes in our work situations, Odette did a great job to secure us good loans. She kept us informed through every step and followed up time to time on action items from our end. We really apprec... read more

Dinesh
04 October 2022

We're really glad Odette's our broker. She helped us rework our existing loans and buy us second property. It was a six-month commitment between locating the property and the settlement. Amid increasing interest rates and some changes in our work situations, Odette did a great job to secure us good loans. She kept us informed through every step and followed up time to time on action items from our end. We... read more

Dinesh
28 September 2022

Absolutely brilliant experience. Odette has the patience of a saint and is always happy to take questions (and we had many!). Thank you

Dave
26 May 2022

Absolutely brilliant experience. Odette has the patience of a saint and is always happy to take questions and we had many. Thank you

Dave
26 May 2022

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

Download now

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

PAYG Self Employed

My monthly income before tax

Rental income

My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

Calculate

You could borrow up to

Repayments
/ month
Expenses
Remaining

Based on standard variable rate over years.

Start the pre-approval process

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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

There's a lot to consider when choosing the right loan.

The lowest interest rate from our lender panel is either standard variable or 3-year fixed for an owner-occupier. Rates and repayments are indicative 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.

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

Need help with your next home purchase?

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.

Odette Shahnazari Mortgage Broker in Surry Hills, Darlinghurst, Paddington, Northern Beaches and Surrounds

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

Services