🥇WINNER 2020,2021 and 2022 - MFAA NSW/ACT - Regional Finance Broker Award 🥇 WINNER - The Adviser Better Business awards - Best Regional Broker NSW

Call: 02 4422 4062

Multi award winning Mortgage Brokerage in Nowra and the Shoalhaven.

Extensive local knowledge and experience in the current lending environment.

Appointments are available during business hours and late evenings on Tuesday and Wednesday nights.

Call Us Mortgage Choice Nowra
Office - 02 4422 4062
Fax - 02 4422 0152

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

Address

49 Junction Street NOWRA, NSW 2541

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Why choose Mortgage Choice Nowra?

Mortgage Choice in Nowra is owned and operated by Paddy O'Sullivan and Kate O'Sullivan, who have both lived and worked in Shoalhaven for many years. Our team is confident and knowledgeable, and in an era of information overload, we will guide you through the often confusing and time-consuming mortgage maze.

We specialise in:

Home Loans
Investment Loans
Refinancing
Personal Loans
Car Loans
Equipment Finance and Leasing
Commercial Finance
Debt Consolidation

We do the hard work for you and find the most suitable solution to meet your needs - without damaging your credit rating.

If you're ready to purchase a property, refinance your existing home loan or purchase equipment for your business. then take advantage of our years of experience with an obligation-free appointment. Book online, or call 02 4422 4062 to chat with Paddy O’Sullivan, your friendly local broker at Mortgage Choice Nowra.

Contact Paddy and his team today!

Home loan pre-approval!

As your mortgage brokers in Nowra and Shoalhaven, we can help you organise your home loan pre-approval. In a market like this, pre-approval may be your biggest weapon when it comes to buying a home, as it allows you to understand how much you can borrow and, therefore, what you can spend on a property. It also puts you in a stronger position to negotiate with a vendor or bid at an auction, giving you more confidence when it comes to bidding.

Generally speaking, it's based on an assessment of your individual circumstances, needs and ability to repay the loan, so to organise your loan pre-approval, just get in touch with Paddy and his team

Call us to book a meeting or click the orange 'Contact us' button in the top right corner of this page, and we will contact you as soon as possible.

Mortgage Choice Nowra can also help you with:

Home Loan Resources

If you're researching the best ways to enter the property market, then you may find our guides useful. Feel free to check out some of our free resources below.

We would love to help you

As your Mortgage Choice brokers in Nowra, Shoalhaven and the surrounding area, we are committed to ensuring you truly have the best interest rate available on the market! Our promise to our clients is:

Don't pay a thing. Our home loan service is at no cost to you!
We will do the legwork. You can save hours of research and paperwork by getting us to help!
You will always get straight advice.

Located in the heart of Nowra, our Mortgage Broker team services clients not only in this region but all over Australia. Visit our office located at 1/88 Worrigee St, Nowra, to get your home loan journey underway.

Call Mortgage Choice Nowra on 02 4422 4062 or book an appointment below.

Call: 02 4422 4062 Book an appointment

Servicing: The NSW South Coast from Gerringong in the North to Batemans Bay in the South including Bomaderry, Shoalhaven Heads, Nowra, North, South and West Nowra, Bangalee, Orient Point, Greenwell Point, Culburra Beach, Callala Bay and Beach, Currarong, Woolamia, Huskisson, Vincentia, Sanctuary Point, St. Georges Basin, Old Erowal Bay and Erowal Bay, Ulladulla, Batemans Bay, Milton and anywhere in between.

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

Would highly recommend. Going through a divorce was stressful enough. Paddy, Tiffany and the staff took all the stress out of organising my finances. Definitely could not have done it without them.
Thanks again

Mark
28 November 2023

Paddy and the team at Nowra Mortgage Choice are fabulous Their attentiveness, attention to detail and their nothing is a problem attitude makes the loan process smooth and efficient. I would highly recommend Mortgage Choice Nowra. Im

Mark
28 November 2023

Very pleased with the assistance and guidance from the Nowra Team. Friendly, Happy, Knowledgeable and Professional. My second time working with the team and wont be the last.

lachlan
14 November 2023

We went mortgage choice Nowra despite coming from Canberra as Stacey Staatsma has been highly recommended by our friends. Staceys smile is so bright that makes you feel comfortable to work with her instantly. You feel at ease that she will work in your best interests the moment you meet her.
The process of our loan application went smooth sailing as all emails have been replied diligently and prom... read more

Dale
17 October 2023

Amber Morgan at Mortgage Choice in Nowra was so professional throughout the entire process from start to finish to enable us to aquire finance for our new vehicle.
Thank you so much for your relentless endevour to carry this through for us.
I will definitely be reccomending you to my family friends.

Richard
13 September 2023

I had the pleasure to work with Amber on the loans, Very good and quick highly recommend couldnt fault thanks to the whole team as well

Matthew
05 September 2023

Fantastic knowledge and advice. Paddy and the team were always available to help answer questions. Highly recommended, we will definitely be using mortgage choice Nowra again.

Jamie
18 August 2023

Can't fault these guys for all the hard work they do. Always a pleasure working with Paddy and the team

Noah
19 June 2023

Paddy and his team including Kaitlyn and Nicole were so helpful sorting out our mortgage finance and keeping us up to date what was going on throughout the whole process with understanding of our specific needs and situation thank you to Paddy and his professional team highly recommend mortgage choice Nowra

sam
19 June 2023

Thank you to Paddy and the team at Mortgage Choice Nowra for helping to secure finance for an investment property.

Paddy a was effective in analysing my financial position and recommending the most favourable loan structure and financial institution. Paddy specifically had knowledge in structuring investment loans in a way that does not create disadvantage in the event you choose to add multiple p... read more

Joshua
08 June 2023

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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.

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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.

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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 $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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