Pete Johnson

Multi Award Winning Brokers in Sutherland and Cronulla

Call: 02 9523 4400

Our Home Loan experts and Financial Advisers will assist you with your next mortgage and insurances for first home, upgrade, renovations or investment property. Compare over 20 lenders' home loan products at Mortgage Choice Cronulla. Call on 9523 4400

Call Us Mortgage Choice Sutherland
Office - 02 9523 4400
Fax - 02 9523 4422

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

Let our team from Mortgage Choice in Cronulla help you!

Since purchasing our first Mortgage Choice franchise in 2008, we've transformed into MC SCW into a multi award-winning business with offices from the Shire to the Gong and a Financial Planning arm to protect and grow your assets. We are much respected locally for our knowledge and longevity and patronised by clients from all around Australia.

We pride ourselves on our client-centric, holistic service and local area knowledge. Offering access to a wide panel of lenders, including all of Australia's major banks and building societies, we are your second and third and fourth opinion.

We all know how important it is to shop around

We listen to your needs and help you choose the home loan that's right for you, together with the protection you need to ensure you never have to sell your new asset when life throws you a curveball. In addition, we are your one-stop shop for car finance, equipment finance and lease, personal loans and commercial loans.

We love to assist first home buyers and our clients trust us for advice and information about guarantor laws when it comes to helping their twentysomethings get on the property ladder.

We're also the experts in helping you build your investment property portfolio in a sustainable way and in wealth creation.

We do the research, the legwork and cut through all the inevitable red tape when dealing with banks, super funds and insurance companies. Say goodbye to muzak and voices telling you every two minutes how important your call is, while you wait on hold for hours.

We can help you with:

First home loans
Refinancing & upgrading
Deposit bonds
Car Loans & Leasing
Business loans
Commercial Loans
Landlord Insurance & other general insurance
Superfund and SMSF advice
Insurance- Life, Risk and Income protection
Cash flow management
Estate planning
Uk pension transfer

If you're ready to take action, then click the Contact Us button or give us a call on 02 9521 1611.

We're part of your story, providing excellent customer service within a unique customer experience.

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. ~

Very knowledgeable and professional with all they do. I've already referred friends and family to the team at MC in Sutherland / Cronulla. Keep up the good work you do in broking and financial planning.

July 15
Peter Cranney, Sutherland, NSW
- Property Investor

Peter and the team have been accommodating, highly responsive and friendly and I'll continue working with them for all future properties. I have already referred my parents ad my sister. I am so happy and satisfied with the service.

Aug 15
Constance Ianenelli, Caringbah, NSW
- Property Investor

Every thing went smoothly making the whole process very easy you guys did all the hard work for us. We did not have worry about anything right down to when and from what account our first payment will be from.

June 2017
Sue and Michael Vaughn, Cronulla, NSW
- Refinancer

Peter listens to the individual situation and takes personal circumstances into account when giving advice. I've already referred people to him. Th communication was fantastic and complicated matters were made simple.
August 15
B Taylor, Bonnet Bay, NSW
- Refinancer

For this purchase being our first home the process was easy and simple thanks to all the staff at mortgage choice. You guys have helped make this an exciting process rather than stressful.

May 2016.
Jessica and Dane Baxter, Tugun, QLD
- First Home Buyer

Brilliant. Available & happy to accommodate any question. I've already referred they guys at MC Sutherland and Cronulla. Terrific service.
Aug 2015
Ben Montague, Bangor, NSW
- Refinancer

This was our third time working with the team at Mortgage Choice Sutherland / Cronulla - the high quality of work and passion never ceases to amaze us. Thank you again for all of your assistance and for making what could be a stressful time, a relaxed and straight forward process.
April 2016
Emma and Chris Burrows, Bulli, NSW
- Upgrader

You were fantastic!

Dec 2015
Adam Phillips and Sheree Kilroy, Balgownie, NSW
- Refinancer

Should I decide to refinance again in the future I would definitely use Mortgage Choice. The staff from my initial apt to the application process with Joey and then the settlement with Emma were always very friendly and helpful. I have already recommended them to my family and friends and my parents are currently using them to refinance their home.

Sept 16
Oriel and Rosey Perez, Miranda, NSW
- Refinancer

Help me calculate

More calculators

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 $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.

Click here for more information on the WA First home Owner Grant.

State / Territorial Revenue Web Sites

View