adam petta
19 Mar 2021
0
Above & Beyond After many years of Developing & lending, this is definitely the team to be with. Raymond and his team have communicated with us throughout the process. We get r...
Mortgage Choice in Pyrmont
We are here to help. Our focus is not on getting a quick commitment. We do not practise sales or manipulation techniques. Our goal is for you to make an informed decision on whether to borrow, how much to borrow and the selection of loan products and structure.
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. ~
19 Mar 2021
Above & Beyond After many years of Developing & lending, this is definitely the team to be with. Raymond and his team have communicated with us throughout the process. We get r...
17 Feb 2021
I was introduced to Raymond back in 2012 by word of mouth before internet reviews were a thing. I'm not at all surprised to check in now and see Mortgage Choice in Pyrmont has s...
08 Feb 2021
Raymond - 5 Star service I came across Raymond during the purchase of my first investment property in 2016. He has been an absolute star - providing me advice, responding to ema...
30 Jan 2021
I have known Raymond for over 12 years and his professionalism and dedication to his clients always amazes me. I have bought 3 properties through Raymond and I highly trust his...
27 Nov 2020
Raymond and Henry are very passionate and dedicated professionals. They are knowledgeable about the market. Quick turnaround and loads of useful information which helped us to p...
16 Nov 2020
Raymond has helped us with 3 of our loans in the last 10yrs. We trust his advice and strategy. We feel that he is always looking after what is best for us. He is quick to respon...
11 Nov 2020
Excellent Advice and Service. Raymond and the Mortgage Choice Pyrmont team were fantastic throughout the property financing process. We were kept up to date with information and...
06 Nov 2020
Raymond is very professional and knowledegable with the experience and expertise required to make the process less stressful and seamless. He knows how to get the job done and I...
04 Nov 2020
I have been with Mortgage choice Pyrmont and Erica for the past 16 years and they have been the most resourceful, educated team I have dealt with in my investing career. I have...
26 Oct 2020
Effortless experience! From initial enquiry all the way through to settlement, this experience far surpassed every other dealing with banks and other brokers. During our initia...
16 Sep 2020
I have bought and refinanced a number of properties with Raymond. He and his team are always very professional and responsive and work hard to get you the best deal. Highly reco...
27 Aug 2020
Thanks Raymond for getting us to where we needed to be, and with such a great product offering. Couldn't recommend you more highly!
01 Jul 2020
Raymond was recommended by our friend. As first home buyers, we were clueless but he made it manageable. It took a while before we made our purchase but Raymond helped us with...
28 May 2020
I would highly recommend Mortgage Choice in Pyrmont to my friends and family. Tain Moe Lwin was super helpful in assisting me to decide what the best options are for my refinanc...
20 Apr 2020
Ray at is the hardest working and most honest person I have ever dealt with at a bank or any other financial institution. He takes the time to understand your questions and prov...
25 Mar 2020
After using Raymond's services to get my first mortgage 9 years ago, I went back to get help refinancing this month. He gave me excellent advice and made the whole experience si...
12 Mar 2020
Thanks Raymond and Jess. I Would highly recommend Raymond and Jess to my friends and family. Didn’t have to go anywhere else and I will be looking to use them again in the futur...
21 Jan 2020
Raymond was recommended to us by a friend of mine who has very high standards for people she deals with. Raymond did not disappoint. I was continually impressed with his depth o...
21 Jan 2020
Raymond and Erica have been tremendously helpful in securing me the much needed loans. Honest, dedicated and trustworthy, they are an excellent team to work with.
05 Jan 2020
This is my 3rd property I have bought using Mortage Choice Pyrmont. Raymond offers outstanding service, is a great communicator and is thorough with his work and quickly respond...
13 Dec 2019
Can't give enough praise to Raymond Teh and his team for the quick turn around of our approval and loan details. He delivered and worked at all hours for us and we are forever g...
14 Nov 2019
Quick Response. Nice People. Very professional.
08 Nov 2019
We had a wonderful and successful experience with Raymond and the team from Mortage Choice in Pyrmont. So we knew that we wanted to have someone that we ere able to trust and th...
12 Oct 2019
I highly recommend Raymond and his office for any mortgage advise be it first home or refinance or IP the best advise and guidance always awaits you , Raymond ensures great att...
08 Oct 2019
Ramond and Tain were so helpful in getting the mortgage secured. They handheld us in every step. The overall process was made so easy for us. It was pleasure working with Mortga...
13 Sep 2019
It has been an absolute pleasure to have Raymond as our broker. We felt lucky to have such an exceptional professional guide us through the process. Raymond has the best custo...
16 Aug 2019
Professional and hardworking team.
12 Aug 2019
Buying a first home was daunting, but the best thing we did in the entire process was book an appointment with Raymond. The entire financing side of the process was smooth and...
30 Jul 2019
Mortgage choice has been very helpful and provided alot of guidance throughout the whole home loan and settlement process.Special thanks to Raymond,Tun and especially Erica for...
29 Jul 2019
MCP has been providing me home loan service and consultant more than 5 years. I am really impressed with the professionalism and the helps to figure out the best offer of a home...
28 Jun 2019
Very professional and they take the time to go through their advice. Sarah took all the stress out of the refinancing process. Mortgage Choice found the best mortgage product fo...
23 May 2019
Raymond and his team are very professional and helpful. I had bad experience with another mortgage broker before. They tried to push me to mortgage contract without considering...
Excerpts from e-mail
Just a brief note to thank you for all your efforts in helping Rose and I purchase the apartment at MOSMAN. Settlement happens tomorrow [Friday 28 July, at 2.30pm], with our cheques for the stamp duty and other fees paid to our solicitors today. Your service has been outstanding - we both feel we could not have done this without you.
We would be pleased to act as a referral.Christopher Payne - Director of Team Australia Call Centre, Mosman, NSW
- Upgrader
Excerpts from letter
Jin and i would like to thank you for all your efforts over the past couple of months. It was with your help that we were able to acheive our dreams and purchase our first home!
Wishing you all the best for the future!
ps. I may contact you again in the near future to discuss options for
re-financing my parents home loan.Jin & Divina Yu, Hornsby, NSW
- First Home Buyer
Excerpts from letter
Thank you for all your patience and help. As first home buyers, our service was long and we received good and prompt advice and help from Heather (and Raymond) through the process.Gill & Paul Rohan, Fairlight, NSW
- First Home Buyer
Excerpts from Linkedin
Raymond is knowledgable in his profession, always willing to divulge in information so you can make well informed decisions. He is reliable, approachable and professional. We are always appreciative that he is available 7 days of the week. This just reiterates his strong work ethics & commitment to quality customer service.Duc Stockman - Senior Performance Analyst at QBE, Kingsgrove, NSW
- Property Investor
Excerpts from Linkedin
We have used Raymond Teh when purchasing our homes back in 2006 and 2010. Raymond is a highly competent mortgage broker who is not only easy to talk to, but also very professional. He means it when he says....no you can't afford it !! :)
Thanking Raymond for all the hard work and valuable advice.Ranti Ng - Financial Controller at Conybeare Morrison International, Mortdale, NSW
- Upgrader
Excerpt from e-mail
Hi Raymond,
Always a pleasure dealing. Thank you so much for your assistance in being able to get a loan and home for myself and my children. I would have no hesitation of recommending you to my family or friendsGina Mansikka, Collaroy, NSW
- Upgrader
Excerpts from Linkedin
Raymond has assisted us in purchasing 4 houses now, he is always there 7 days a week, and always does what it takes to get the deal across the line, we wouldn't do it any other way. thanksAdam Petta - Director Culinary, Entertainment Division | Australia & New Zealand at AHL, Botany, NSW
- Upgrader
Excerpts from Linkedin
Raymond has assisted many clients of mine through their process of applying for and obtaining loans to facilitate their purchase of property. Raymond's primary goal has always been what is in the best interests of that particular borrower which has always meant finding the best product for that borrower and delivering outstanding service. I cannot recommend Raymond highly enough and can say without hestiation that he is one of the leading mortgage consultants that I have had the pleasure of working with over the last 20 years.Tony Maw - Owner, AMN Lawyers, Sydney , NSW
- Property Investor
Excerpts from Linkedin
Raymond is a person you can trust and depend on to get the best deal and to sort out issues that always surface when closing a purchase. He is very knowledgeable in the property and home loan industry. I would use Raymond again for my next property purchase.Noel Lim - Solution Architect at Bluewolf, Homebush West, NSW
- First Home Buyer
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Need help with your next home purchase?
Talk to an expertFrom 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 $176,000 depending on the number of children you may have.
Click here for more information on the ACT First home Owner Grant.
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
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.
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.
The Territory’s First Home Owner Discount has been in place since 8 February 2019. It lets you save up to a maximum of $18,601 on the cost of stamp duty. The savings is available whether you buy a new or established home as long as the home is valued under $650,000.
Click here for more information on the NT First home Owner Grant.
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.
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 $8,750, 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 $505,000, you pay stamp duty of $1,050, a saving of $7,875. These savings cut out altogether if your first home costs $550,000 or more. On a property valued at $550,000, for example, the stamp duty would work out to be $10,600.
Click here for more information on the QLD First home Owner Grant.
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.
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).
The FHOG Tasmania is worth $20,000 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.
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.
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 Melbourne. Or you can receive a FHOG of $20,000 if you buy/build a new home in regional 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.
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.
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.