Peter Johnson

Looking for a mortgage broker in the Sutherland Shire and Wollongong?

Call: 02 9521 1611

The world of lending has never been more confusing. Turn to our trustworthy team at Mortgage Choice at Sutherland Cronulla & Wollongong. Our local knowledge and experience will help you cut through the noise so you can focus on your financial goals.

Call Us Mortgage Choice Sutherland
Office - 02 9521 1611
Fax - 02 9521 1700

Open Hours Mortgage Choice Sutherland
Mon - Fri 9am - 5pm
Other times by appointment.
Free Appointment

Address

Level 1, 137 Flora Street SUTHERLAND, NSW 2232

Why Choose us?

• Because we're not just mortgage brokers...we're your solutions architects, committed to exploring every possible option for your situation to get you the loan and the lender that works best for you.

• Because any broker can get you into debt...but we want to help you get back out of it as quickly as possible. That's why we provide you with advice and annual pricing reviews throughout the length of your loan. If you can save money on your loan repayments, we'll let you know.

• Because we believe that ordinary Australians deserve... access to the know-how to create and grow their wealth. By providing regular education and financial advice, we can support you to find the best strategies to kick goals and live a life of abundance.

• Because we've been part of our clients' stories for almost 20 years. Whether you're searching for a nest, feathering it, or emptying it we've been invited into your lives to offer expertise, professionalism, and an excellent customer experience when you need it most.

• Because it's not just a home loan - it's a first home, an improved home, a new home, a holiday home, a commercial home, a home for elderly parents, a cosier home, an equity resource to facilitate family needs.

It's an investment property, a guarantee for your kid's first home, your SMSF nest egg. It's vehicle finance, asset finance, funding your new business, a personal loan.

It's access to the best expert advice on general insurance, protection for you and your assets, transition to retirement, estate planning, and wealth creation.

And you're not just a customer, you're the reason we do what we do.

You are our Why.

Don't look any further!

As your local mortgage brokers in Sutherland we can help with:

First home buyer loans
Upgrading the family home
Refinancing for a better deal
All investment property loan needs
Bridging Finance
Reverse Mortgages
Mortgages through SMSFs
Car loans
Asset Finance for self-employed
Business Lending
Recommend a trusted Financial Advisor to ensure your assets are fully protected as you increase your debt.
Recommend a trusted Financial Advisor to discuss Building wealth and Wealth Management, Super, Transition to Retirement, and Estate Planning.

Get Started Today

Give Robyn a call on 02 9521 1611 or email her at admin.sutherland1@mortgagechoice.com.au

She's the boss of our brokers' calendars and she'll help you lock in a time for a call or Zoom.

Or use the green Book an Appointment button at the top of this homepage to book directly via Ubookr.

In the meantime:

Check out our quick quote function below. It will give you a rough idea of your situation prior to a chat with our brokers.

Start your home loan journey today

As a NSW Covid Safe office, we're guided by the NSW Government in terms of entry requirements including checking in via the QR code, showing proof of vaccination, and providing a declaration of health.

Our team members are fully vaccinated.

We'll continue with digital appointments throughout 2022 because so many of you prefer to speak to us in the comfort of your own homes. And we've become expert Zoomers.

Convenient and facemask-free. You can't beat a virtual meeting with one of our expert brokers.

Patrick , George, Diane and Peter coming to a screen near you soon.

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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Just keep up the GREAT WORK

I tell EVERYONE to go and see Peter (Mortgage Choice at Sutherland). They are FANTASTIC. Great service, with a smile every time.

Anne Bentley, Goulbourne, NSW
- Property Investor

I felt you maximised my potential without over-committing me. I will definitely use you for further loans and have no hesitation in referring people to you. I also found my appointment with your financial planner helpful and will be seeing Ciaran again.
Bryan Ford, Oatley, NSW
- Refinancer

We've used Mortgage Choice Sutherland for more than one purchase/re-finance. A few years ago, we moved to the Blue Mountains, but we've been coming back to the team at Sutherland for several subsequent purchases, because there simply isn't service like this elsewhere.

Viktor (Viktor) Figeczki., Blue Mts, NSW
- Property Investor

Extremely professional. You kept us up to date with progress. You were always available to assist with questions. This process is best done by professionals who know what they're doing ...and you did it well. Thanks. I will certainly recommend you to family and friends.
Sue Channells, Padstow, NSW
- Property Investor

Peter fully discussed loan options and helped me make the best decision. I couldn't fault the service of a great team so I would definitely refer in future.

Justine Gosbee, Miranda, NSW
- Upgrader

Mortgage Choice at Sutherland is very professional. They are always very prompt in returning emails and happy to discuss things along the way. I feel lucky to have such a wonderful team working to make our dreams come true. I am always happy to recommend Peter to anyone and this is the 3rd time we have used Peter to help us find the right loan. He is fantastic and makes the process stress free.

Alana Chandler, Caringbah, NSW
- Upgrader

We moved interstate and still used Mortgage Choice Sutherland as our broker as we were so impressed with them last time. They have all been excellent and have at times gone above and beyond to help us in the process of purchasing a house. They are always friendly, professional, thorough and reliable. We would have no hesitation in recommending them to anyone else.

Chris and Sue Kastelein, Ridgehaven, SA
- Upgrader

Mortgage Choice at Sutherland helped me through the process of refinancing through a remortgage. They were professional, patient & kind toward me even when things were rough for me due to the loss of a loved one. They were & still are always there to provide information & support through the process. Thank you.
Denise Moran, Loftus, NSW
- Refinancer

The team at Mortgage Choice provided us with outstanding service and was very easy to work with in helping us buy our home. They were extremely knowledgeable with their advice and always responded to our queries promptly and professionally. I cannot recommend them enough.
Melvyn Augustus and Samantha Rattos., Deniston West, NSW
- Upgrader

From start to finish everyone was great with letting us no what the loan was up too and any questions everyone was more then happy to help ! A good team well done,

Donna and Akbar Samnani., Corrimal, NSW
- Refinancer

We found the service Peter is providing to be of the highest standard.We were always informed about what was going on, what to expect next and the whole process. We've already recommended family members and friends and will be happy to do so again. We were also referred to Ciaran Davis when we needed to get our super in order and he was fantastic too. MC at Sutherland can take care of everything.

Nina & Oleg Trofimov, Engadine, NSW
- Refinancer

I am completely satisfied with all aspects of the service provided by Mortgage Choice. The final product, the speed and ease of conducting business was great. Always with a pleasant and friendly manner. I cannot recommend MC enough. I would like to particularly highlight the individual I came in contact with. Peter and Robyn. Great service and very satisfied customer. Thanks Again

David and Anne Sullivan, Oyster Bay, NSW
- Refinancer

Efficient, great communication, always the best outcome possible. Highly recommended.

Alexey Pustovoyt and Tatsiana Pustavoit., Engadine, NSW
- Refinancer

Buying our first property could not have been simpler. Choosing Mortgage Choice at Sutherland was the best decision we have ever made. Excellent service, friendly and helpful staff, regular updates and progress reports, excellent communication and overall efficiency throughout the entire process. Mortgage Choice at Sutherland eliminated all the stress of buying property and made it a total breeze. Thank for everything, Asrafs, Lidia and Viktoria.

Ashraf Rzajevs, Tregear, NSW
- Upgrader

I have dealt with Peter and his team for quite some time now. As per usual I was never disappointed. I was kept in the loop the whole time and felt at easy that they will do everything possible to make the transition as smooth as possible. Will I deal with Peter again? You bet I would. Very Satisfied Customer.
Beti Major, Sutherland, NSW
- Property Investor

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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.

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

State / Territorial Revenue Web Sites

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Looking for a mortgage broker in the Sutherland Shire and Wollongong?

Sutherland

Why Choose us?

Don't look any further!

As your local mortgage brokers in Sutherland we can help with:

Get Started Today

In the meantime:

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

The right home loan for your needs

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Help me calculate

2nd Applicant

Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

State / Territorial Revenue Web Sites

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