Rachel Hine your local Newcastle home loan specialist and mortgage broker servicing Toronto and Lake Macquarie

Call: 0450 880 586

Looking for a home loan? Talk to the team from Mortgage Choice Toronto, NSW. Let us research and compare up to 20 lenders for you

Call Us Mortgage Choice Toronto
Office - 0450 880 586

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

Address

PO Box 101 TORONTO, NSW 2283

Latest home loan interest rates

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Rachel Hine & team are available at any time to answer your questions!

Buying your home or investment property is a major decision. We’re here to guide you through the entire Newcastle home loan process from first enquiry to settlement to help you make the right choice.

Book an appointment

Start your home loan journey today

As your mortgage broker in Newcastle we can help with:

First home buyer loans
Upgrading the family home
Refinancing for a better deal
All investment property loan needs
Motor vehicle loans
Personal loans.

Your needs come first

We listen to your needs so that we can match the right loan to your goals. Then, we sort through hundreds of loans offered by our panel of lenders including the big banks, to find the loan best suited to your goals.

We’ll assist with your loan application, submit the paperwork on your behalf and liaise with lenders, your solicitor/conveyancer and real estate agent so you enjoy a streamlined loan experience.

Great service at no cost to you

As your Newcastle mortgage broker, we do not charge you for our service. We’re paid by your lender at the settlement of your loan. So you enjoy even more value.

We’re passionate about building long-term relationships with our customers, and we’ll stay in touch to ensure your loan continues to meet your needs.

Let us chat to you!

Give us call and we can book in a zoom or we can come to you. We service the entire Newcastle area and can travel right throughout the Newcastle region to assist with your lending needs.

We’re here for you right across Swansea and Belmont to the City, Mayfield, Wallsend, Glendale and around the lake down to Morisset and Cooranbong.

Contact us today!

Mortgage Broker Newcastle & Lake Macquarie

Let us do all the shopping around and the paperwork, saving you time and money. With so many different lenders on our panel and hundreds of loan options, as your local mortgage broker in Newcastle, we will compare your current loan with the others in the market to see if we can find you a better one.

Home loan resources

We have a range of home loan resources to help you through your home buying journey. Check them out below!

Home loan calculators
Download our property guides
Watch our short videos about the home loan process

Call your local Newcastle mortgage brokers today!

Remember, your needs come first. So we are here for you 7 days including the weekend by appointment to suit your family and busy lifestyle.

To start achieving your goals call Mortgage Choice Rachel Hine on 02 4016 8399 or click the Contact Us link at the top of this page to make an appointment.

Contact us today!

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

If you are thinking about refinancing, I can highly recommend Mortgage Choice Toronto. My first point of contact was with owner and manager Rachel. Rachel took the time to learn about what I required and what my expectations were by refinancing my mortgage. Rachel was then able to recommend several finance institutions that would best suit my needs and she explained to me in detail what the differenc... read more

Greg
18 October 2023

I must say me and my partner were blown away with how good Glen Sharee were with the whole process of getting us our first home loan. From start to finish I have nothing but great things to say. What we thought was impossible at the time was made possible thanks to them. Very knowledgeable, quick to respond and very friendly. We couldn't be happier.
I highly recommend to anyone who needs a home loan in the future. Thanks again

Lewis
20 May 2023

Very helpful and good results

Scott
20 September 2022

This team are super helpful and knowledgeable. They listen really well so they gained a quick understanding of of my needs.
I can't believe how quickly the found mortgage options and then how quickly it all settled.
They are also really great to talk to and made me feel comfortable and confident in working with them.
I can't recommend them highly enough.

Julie-Anne
11 September 2022

I was extremely happy with my experience at Mortgage Choice Toronto. I mainly dealt with owner, Glen and broker, Sharee. They both had a wealth of knowledge and were so helpful throughout the entire process. I would 100 recommend these guys to all my friends and family. They were friendly, fast and went the extra mile to make sure I was happy with everything. Thanks so much Mortgage Choice Toronto

T
04 August 2022

Kaysie helped us through the process of buying our first house. Kaysie made what would have been a very stressful and confusing experience seamless and hassle free.
Thank you so much kaysie

Samantha
15 July 2022

Could not be happier with the team at mortgage choice Toronto, they guided us through every step and answered any questions with great detail could not recommend them enough. Thanks again Glen, Kaysie, Nicole and tenealle.

Chad
14 July 2022

Thank you for all the help getting us in to our own home

kathleen
13 July 2022

Kaysie and Nicole were wonderful to deal with. They helped me find the best loan to suit my needs, both very quick to respond to emails and phone calls. The whole process was pretty smooth sailing. I highly recommend them.

Kellie
13 July 2022

Don't use any other mortgage broker, simply use Mortgage Choice Toronto.

Charlie
24 June 2022

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

Download now

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You could borrow up to

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Based on standard variable rate over years.

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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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First Home Buyer?

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Total fees:

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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 $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.

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

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