Richard Ferguson

Welcome to Mortgage Choice in Annandale, - Award winning Mortgage Brokers in Sydney's Inner West.

Call: 0419 635 692

Looking for a home loan? Talk to Richard Ferguson, your local Mortgage Choice broker from Annandale, NSW. Let us research and compare more than 30 lenders for you.

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Call Us Mortgage Choice Annandale
Mobile - 0419 635 692
Office - 02 9873 3990

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

Address

131 Booth Street ANNANDALE, NSW 2038

Welcome to Mortgage Choice Annandale - we would love to help you and we will always act in your best interest.

Book a meeting now

Click here to make an appointment on-line

Confused about the home loan process?

Not too sure where to start?

You don't need to worry, as I will guide you throughout the home loan process, from application to settlement.

With over 22 years of mortgage broking experience in the Annandale and Balmain area, I have a solid understanding of the mortgage industry to provide you with the professional home loan advice you need to achieve your financial goals, no matter what your circumstance.

As Mortgage Choice’s longest standing mortgage broker in the Inner West, I can proudly and confidently provide you with not only expert home loan advice but also years of local property knowledge in Balmain, Annandale and surrounding areas.

Servicing the Inner West suburbs of: Annandale, Drummoyne, Forest Lodge, Glebe, Balmain, Balmain East, Rozelle, Leichhardt, Lilyfield, Birchgrove, and Summer Hill.

How we work towards your goals

In one meeting, I can compare hundreds of loans from up to 30 of Australia's leading lenders to help you find a home loan tailored to your individual needs and lifestyle. Best of all you get access to this stress-free process at no cost to you because the lenders pay us.

I pride myself in offering exceptional customer service, support and advice, gained from my previous hospitality background. You can also rest easy knowing that you will be kept well informed and aware of what you need to do next. I do all the follow-up and general running around, which of course, saves you time, energy and stress - leaving you to enjoy the more exciting things in life. Once your loan is settled, I can also provide assistance with your insurance, personal loans, car loans and leasing needs

Let’s get started today.

To book an appointment today, call me on 0419 635 692 or click here to organise a time that’s best for you to chat through your circumstance and needs.

We can meet at my office in Booth St in Annandale or at a location convenient to your schedule, whether that’s at a local coffee shop in your lunch break or at your home.

My office is conveniently located at 131 Booth Street, Annandale and we have meeting facilities available in both the CBD and in North Sydney.

Google Reviews

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You really did go 'above and beyond' and provided lots of good advice. We would gladly recommend your services to friends looking for a great mortgage broker.
G and A Russell, Croydon, NSW
- First Home Buyer

Dear Richard,

I just wanted to write and thank you for your time yesterday.

Your knowledge and experience shone through, and I left feeling not only informed in a way that I could never be if I tried to do this myself, but secure in the knowledge that when the right property and the right circumstances come up, I will be in extremely safe hands coming back to you. Which I hope will be soon.

Should any of my friends or colleagues find themselves looking for a mortgage, I will do my utmost to send them to you. It will be in their best interests.

Thank you again,
Benedict Paxton-Crick, Annandale, NSW
- First Home Buyer

We just wanted to say a huge thank-you for your efficient, professional & friendly service.You have always been very knowledgeable, patient & available to answer all our questions in the purchase of our first property & we very much appreciate it.We will highly recommend your service to all our friends & family - thanks again!
Tamara, Mark (and Dylan) Hughes, Drummoyne, NSW
- First Home Buyer

That really was the least hassle I have ever been through for anything so major. Thank you. If I compare how much time and running around we did when we were arranging our own mortgage it was nothing! I also appreciate your courtesy, promptness and absence of any pushiness/pressure in persuading us to go with your company - Mortgage Choice.
Wishing you more success and happy customers !
Samuel & Nicole Hague, Annandale, NSW
- Refinancer

We thought you did a fantastic job and you were most considerate even when we kept ringing
you with the same questions over and over again. Hopefully, we won't be so paranoid the next
Kerry McMorrow, Chippendale, NSW
- First Home Buyer

Thank you so much for all your help in getting us our first home loan. I'm sure we must have taken far more of your time than other clients - as our questions were endless !! We really appreciated your patience - thanks again.
F & C Sutherland, Five Dock, NSW
- First Home Buyer

My wife and I will recommend you and your services unreservedly. You were straightforward, open and clear. You even helped us save money by telling us about a recently changed law which even the bank didn't know.
J Kenyon, Annandale, NSW
- Upgrader

You were very patient with all our enquiries and took the time to explain things in laymans terms.
M Branagan, Earlwood, NSW
- First Home Buyer

Very Impressed. Gave relevant advice, very professional and was flexible with availability to our requirements. Was prompt with returning calls. Stayed calm when things got stressful !
K & P Dymond, Balmain, NSW
- Upgrader

Very happy throughout - you were by far the most efficient & professional of all parties involved.
Ben Scott, Camperdown, NSW
- First Home Buyer

Dear Richard, Now that we've settled into our beautiful new home in the Blue Mountains, we wanted to say a big thank you for the part that you played. You simply made the whole process so easy for us, as first home buyers, that I can't imagine how it could have gone more smoothly. As I write this I'm looking out the living room window across our nine acres and I can see the city lights twinkling in the distance - we certainly made the right decision! We love our new life up here.
With our very best thanks from Anne-Maree and Jan.
Anne-Maree & Jan, Grose Vale, NSW
- First Home Buyer

Dear Richard, Thank you very much for all your help and advice in securing our home! It was invaluable to have you in our corner throughout the entire process and we look forward to many successful collaborations in the future. With much appreciation, Kind regards, Victoria, Nick and Veronica.
Victoria, Nick & Veronica, Lewisham, NSW
- Upgrader

Thank you so much for all your time & help in securing our first home! We just wanted you to know how much we appreciated your support. Thanks again
Chris, Amelia & baby Josh, Enfield, NSW
- First Home Buyer

Marty and I would like to thank you very much for all your help with the purchase of out first home and for the very thoughtful gift.

You made a very overwhelming process very easy for us.

Thank you once again and we will be in touch with any purchases we may make in the future.
Paula K & Marty L, Homebush West, NSW
- First Home Buyer

Richard was fantastic. He was very helpful and made the whole process less stressful. It was great to have options to choose from and be explained everything in great detail.
Emily Harty and Justin Walsh, Ashfield, NSW
- First Home Buyer

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.

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

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Welcome to Mortgage Choice in Annandale, - Award winning Mortgage Brokers in Sydney's Inner West.

Annandale

Welcome to Mortgage Choice Annandale - we would love to help you and we will always act in your best interest.

How we work towards your goals

Let’s get started today.

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