Home loan and financial services experts in Nowra and the Shoalhaven.

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Paddy O'Sullivan

🏅Winner 2019 Mortgage Choice National Multi-Operator of the Year🥇Winner 2020 Adviser Better Business awards - Best Regional Broker 🥇Winner 2020 MFAA Awards - Best Regional Broker 🥇Mortgage Professional Australia - Top 100 Brokers

Call: 02 4422 4062

Multi award winning Mortgage Brokerage in Nowra and the Shoalhaven.

Our proudest achievement is that most of our business comes via repeat business and referrals from existing customers.

Extensive local knowledge and experience in the current lending environment.

Appointments are available during business hours and late evening on Tuesday and Thursday nights. We are currently seeing clients face to face, via video conference or phone appointments and appointments can be booked online or by calling the office.

Call Us
Office - 02 4422 4062
Fax - 02 4422 0152

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

Address

1/88 Worrigee Street NOWRA, NSW 2541

Mortgage Choice in Nowra is owned and operated by Paddy O'Sullivan and Kate O'Sullivan, who have both lived and worked in the Shoalhaven for many years.

Our office is situated at 1/88 Worrigee Street Nowra 2541.

WHAT MAKES US DIFFERENT?

Our home loan service is free to you as we are paid by the lender. The panel of lenders pay us the same rate, no matter which home loan you choose.

We Have a Wide Choice with

Up to 2 lenders to choose from and
Over 400 products available

The Right Advice

We are paid the same commission regardless of which home loan you choose from our panel. Therefore finding the mortgage and finance solution that fits your life perfectly is always our number one priority.

Stress Free Service

We do the hardwork for you and find the most suitable solution to meet your needs - withoutdamaging your credit rating.

You will be greeted with a positive attitude and a smiling face.

Our team is confident and knowledgeable, we want to create products and solutions to suit your short and long term goals.

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
Financial Planning

We will help you choose the finance & protection that's right for you.

Call us in the office during business hours 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

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. ~

Google Reviews

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Now that we have settled into our new property we wanted to take the time to thank you for your service. The advice and support you offered us was invaluable and certainly made the purchase a lot simpler than we thought it would be. We would strongly recommend your services to friends and fellow home buyers.
Naomi & Ben, Nowra, NSW
- First Home Buyer

I want to thank you for working so hard to get my loan application through. In Hindsight i see that you did your very best for me. I would be happy to recommend your services to my family and friends in the future now that i full understand how your business operates.
Linda, Nowra, NSW
- First Home Buyer

Just wanted to say thank you for all the work you did. I will definitely recommend mortgage choice to my friends looking to get a home loan.

Thanks again
Tina, Nowra, NSW
- First Home Buyer

Information I received from Mortgage Choice was top shelf. It saved me from having to deal with the mountian of excessive regulation and red tape the banking industry requires of its customers. Mortgage Choice has the expertise and knowledge to allow us the customer to just get on with living. Thank You.
Peter & Anne, Berry, NSW
- Property Investor

Paddy O' Sullivan at the Mortgage Choice office in Nowra was a wonderful help to us and gave great honest advice , we would definitely recommend you go and see him .
Neil and Charlie, Sanctuary Point, NSW
- Refinancer

Thanks to Paddy at mortgage choice south coast. He helped us purchase the property we wanted and made it a simple process to get a difficult loan over the line. Definately be recommending him to any one wanting to purchase property.
Crystal and Luke, Moruya, NSW
- Upgrader

Yes. Paddy is a legend! Would recommend him to any first home buyers. Great work on his part! He got our family where we needed to be and he made it simple and achieved it fast! Cheers paddy
Brad and Kim, WANDANDIAN, NSW
- First Home Buyer

Willing to help where ever possible, always telephones back, takes time with you dose not rush, excellent follow up to see how the mortgage is going
Esther and Neil, Tasmania, NSW
- Upgrader

Willing to help where ever possible, always telephones back, takes time with you dose not rush, excellent follow up to see how the mortgage is going
Esther and Neil (1), Tasmania, NSW
- Upgrader

Thank you to Paddy O'Sullivan at Mortgage Choice Nowra in assisting us with our home loan! We really appreciated your friendly nature, professionalism and knowledge of available products that suited our needs, honesty, flexibility, and excellent communication. Thank you for making the whole process so easy and stress-free.
Josh and Lauren, Tomerong, NSW
- First Home Buyer

Thank you so much for dropping the paperwork in yesterday afternoon. We appreciate all that you have done for us in securing the loan. Without your tenacity we would not have been able to achieve this goal so early after our move back to NSW. When others gave us the thumbs down you did your homework and made it happen, your business will go far in this community.
Kim and Chris, Basin View, NSW
- Upgrader

Thanks again for everything you’ve done for us. We really appreciate your professionalism and thoroughness. You’ve been so easy to work with and I’ve really enjoyed getting to know you on a professional and personal level. I will recommend you highly to anyone looking for a Mortgage Broker.
Dean and Naomi, Nowra, NSW
- Refinancer

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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 Melbourne. Or you can receive a FHOG of $20,000 if you buy/build a new home in regional 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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🏅Winner 2019 Mortgage Choice National Multi-Operator of the Year🥇Winner 2020 Adviser Better Business awards - Best Regional Broker 🥇Winner 2020 MFAA Awards - Best Regional Broker 🥇Mortgage Professional Australia - Top 100 Brokers

Nowra

The right home loan for your needs

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