Paul Robinson

Your local Mortgage Broker - Helping customers in Newcastle, Charlestown, Lake Macquarie & surrounds.

Call: 0407 407 781

Looking for a home loan? Talk to Paul Robinson, your local Mortgage Choice broker.

Call Us Mortgage Choice Charlestown
Mobile - 0407 407 781
Office - 02 4001 0123

Open Hours Mortgage Choice Charlestown
Monday to Friday 8.30 am - 5.00 pm
Evenings and Saturdays by appointment
Free Appointment

Address

Level 1, 63 Ridley Street CHARLESTOWN, NSW 2290

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Book an appointment with Paul and start your home loan journey today

Your local home loan expert

I have been in the Lake Macquarie and Newcastle area since 2006. With my beautiful wife, we have two fun and lively young boys and together we love getting down to the beach, going to the park or riding around the lake.

As your Lake Macquarie and Newcastle mortgage and finance broker, I want you to enjoy a streamlined, easy and fun process.

I have a professional relationship with over 37 different home loan lenders, which enables me to recommend the loan best suited to your individual requirements.

My home loan service comes at no cost to you

As your Mortgage Broker, we travel from Morisset to Cameron Park and Swansea to Newcastle and everywhere in between. I understand you’re busy, so I can meet with you at a time and place that’s convenient for you, either at my office in Charlestown or a coffee shop near your work or at your home. Alternatively, we can also meet online via video chat like Zoom or Teams.

Best of all, there is no charge for my home loan service.

My service also includes:

Deposit Bonds
Personal loans
Car loans
Commercial loans
Equipment & Asset finance
SMSF lending

If you'd like to speak with me – Paul Robinson, your local mortgage broker in Charlestown, and the Lake Macquarie & Newcastle area, call my office on 02 4001 0123 or email paul.robinson@mortgagechoice.com.au and enjoy expert home loan advice at no cost to you.

Welcome to Mortgage Choice in the Lake Macquarie & Newcastle area

I have been referred to as many things over the years and the one that stands out to me is being labeled “The Helpful Guy”.

I love to help and educate. Since a young age I have always had a passion for property. The opportunity came up to join Mortgage Choice and leapt at it. Here is a business where helping you get the best possible deal for you to buy your first home, educating you on your options for your first, second or third investment property, I had to get on board.

Why choose me, Paul Robinson?

I love to help and educate and with my positive attitude and the outstanding level of support that comes with 20 years of passion for property.

I make the entire process as easy as possible for you, from working through your unique scenario and helping select a suitable lender, then I take care of the lot through to settlement.

It means more time for you to find your ideal Lake Macquarie or Newcastle home or investment property.

I specialise in home loans for:

First home buyers
Upgrading to your next home
Refinancing
Debt consolidation
Accessing equity
SMSF lending
Personal loans
and more!

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

Good commincation, always available to help.

Trudi
21 March 2024

Paul and the team were extremely helpful and knowledgeable. They made our loan application process easy and fuss free. Highly recommend

Ainsleigh
15 February 2024

Paul was very professional, knew his stuff was thorough with the information provided. The ease of acquiring the deposit bond was so appreciative as it can be a challenging time with a touch of urgency.

Cheryl
26 September 2023

Brilliant and so quick. I was getting messed around by a bank and was going to miss out on a property. Paul worked so hard and fast for me. I am very impressed with the whole team. Thank you

Elizabeth
02 September 2023

I recently had the pleasure of working with Mel for my mortgage needs, and I couldn't be happier with the experience. From start to finish, Mel provided exceptional service.

Mel patiently answered any question ensuring that I was well-informed throughout the process.

Communication with Mel was superb. She was always responsive, promptly returning my calls and emails. I never felt left in the dark,... read more

Kasey
30 August 2023

Paul, Mel, Jeni and others have been so helpful and understanding, as it is our first home, we needed all the help we can get. Thank you so much team

Lisa
25 July 2023

Such a wonderful, easy, painless experience every time A Wonderful team and always so helpful and friendly, I would never go anywhere else Thankyou so much

Jenna
29 June 2023

Paul, Mel and the team have been a huge help getting our refinance across the line. We had a few complicating factors but they made it work and always acted in our best interest. Highly recommend the team for any loan requirements

Thomas
29 June 2023

So impressed with the whole team, great communication, excellent service and products. Highly recommended.

Antony
27 June 2023

Mel couldn't have been more helpful for our home buying process. She really worked hard and made everything super simple for us. Will definitely be keeping her in contact

Jeffrey
19 June 2023

First home buyer's guide

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process.

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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.