Mortgage Broker Newcastle, Charlestown & Lake Macquarie

Home Find a local expert Paul Robinson

Your local Mortgage Broker - Helping customers in Newcastle & Lake Macquarie

Call: 0407 407 781

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

Call Us Mortgage Choice Charlestown
Office - 0407 407 781

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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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.

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 broker, I want you to enjoy a streamlined, easy and fun process.

I have a professional relationship with over 25 different home loan lenders, which enables me to recommend the loan best suited to your individual requirements.

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 Macquaire 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

My home loan service comes at no cost to you

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.

Best of all, there is no charge for my home loan service. As a Mortgage Choice broker, I am paid the same regardless of which home loan you choose from my panel of lenders.

My service also includes:

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

If you'd like to speak with me – Paul Robinson, your local mortgage broker in the Lake Macquarie & Newcastle area, call me today on 0407 407 781. Click the orange 'Contact Us' button in the top right corner of this page, or email any questions to paul.robinson@mortgagechoice.com.au and enjoy expert home loan advice at no cost to you.

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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Paul and the fabulous Jeni were amazing to deal with. They kept in close contact with us throughout the process, both before finding our home and up to settlement. Paul was easy to rely on and we can't thank them enough.
Julia Salmon, Mount Hutton, NSW
- First Home Buyer

I would very much like to share my experiences with Mortgage Choice - Newcastle - Paul Robinson. What seemed would not be possible was made possible with the outstanding help and experience from Paul and his team. Nothing was a problem for him and he executed the deal with his outstanding experience and upmost understanding on what I needed.
I would recommend Paul and Mortgage Choice 100%.
Thank you 😊 so much you have made my life so much easier.
Cheryl Catt, Hamilton, NSW
- Refinancer

Paul has just helped us through a very long and difficult settlement on our new home. Being new to property ownership, we didn’t know the first thing when it came to mortgages. The process ended up taking 10 months (due to other difficulties) and Paul and his amazing team were there for us the whole time. He and his team went above and beyond for us and I whole heartedly recommended him and Mortgage Choice for anyone looking for mortgage help, especially anyone new to home buying.
Matthew Anlezark, Shortland, NSW
- First Home Buyer

Thank you for being so approachable and friendly whilst at the same time being professional and helping us with our loan. Your service was extremely appreciated and we could not have managed that stressful home buying time without you!!!
J Shaw and D Kuchling, Belmont North, NSW
- First Home Buyer

Paul was extremely professional and helpful. He kept us fully informed through the whole process and was a pleasure to deal with.
Michael Pearce, Fletcher, NSW
- Upgrader

L & R Farr, Dudley, NSW
- Refinancer
“The Helpful Guy” is spot on. Not just a great mortgage broker, but a genuinely great guy who cares for his clients.

We approached Paul to assist us to refinance our home loan and consolidate some personal loans. We couldn’t be more pleased with the outcome; saving $891 in repayments per month, which we can now place straight back into our mortgage to pay-off quicker.

Always keeping us updated and providing all the information we required.

Thanks so much Paul.

Hi Paul,

Thank you for all the work you did on this and for keeping us regularly updated. It was much appreciated.

The funds are visible in our account and so we are off to buy a car!

We'll keep you in mind for any future money matters.

Kind regards,
T & D
T & D Coulson, Adamstown Heights, NSW
- Refinancer

Paul was excellent - He was very professional, prompt with his communications, patient with my many questions and polite at all times - I couldn't fault him.
M. G-S & C.W, Kahibah, NSW
- Refinancer

Paul Robinson from Mortgage Choice was such a great help for me during the purchase of my first home. He was extremely efficient, excellent communicator and very helpful along every step of the way, from pre-approval to purchase! He is very knowledgeable, proactive and was able to provide me with all the information I required quickly and with minimum fuss. It was such an easy and stress-free process for me to buy my first house because I had Paul's help along the way. I cannot recommend him enough!
T. Almazi, Newcastle, NSW
- First Home Buyer

Great Experience. Very Happy with the exceptional & friendly service in all areas by Paul Robinson
A & J Preston, HOLMESVILLE, NSW
- Refinancer

Had a excellent experience.
Very easy person to talk to.
Always knowledgeable and showed different rates which made picking easier
William G., Cliftleigh, NSW
- First Home Buyer

Paul was absolutely fantastic. We didn’t need to do very much, Paul did all the hard work for us.
G Doyle, Kalkite, NSW
- Upgrader

Hi Paul,
I just wanted to say thank you for all of your help throughout the process of getting our loan. We have moved in and are (nearly!) all settled and so happy with it so a huge thanks to you, we really appreciate it!
Sara & Nathan, Lake Macquarie, NSW
- First Home Buyer

This is the third time we have engaged the services of Jillian and could not be any happier. All interactions are smooth ans worry free. I love that she helps with the paperwork jungle!
S DeSousa, Warners Bay, NSW
- Refinancer

Jillian showed a high level of customer service and professionalism during our application process. She always made herself available and the small number of calls she missed were returned in only a matter of minutes. I always felt like her top priority.
L Sheilds, Jewells, NSW
- Refinancer

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.

Download now

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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 $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 $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 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 $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.

Your local Mortgage Broker - Helping customers in Newcastle & Lake Macquarie

Charlestown

Latest home loan interest rates

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

Welcome to Mortgage Choice in the Lake Macquarie & Newcastle area

Your local home loan expert

Why choose me, Paul Robinson?

My home loan service comes at no cost to you

The right home loan for your needs

Google Reviews

Dean Kidd

Ryan Alexander

Cheryl Catt

jason gurney

Matt Anlezark

Julia Salmon

Jane Piva

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Mitchell Robinson

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