Richard Windeyer

TWELVE years with Mortgage Choice as your Mortgage Broker for the people and families of Newcastle and Lake Macquarie.

Call: 0413 245 556

Celebrating 12 years in Cardiff and consider ourselves a more boutique team, not chasing volume but more personal service. You don't sit on a white board of who's next........and with the SAME team of TWELVE years should count for something.
Reach out to explore options.
Cheers Richard.

Call Us Mortgage Choice Cardiff
Mobile - 0413 245 556
Office - 02 4943 9705
Fax - 02 4913 5483

Open Hours Mortgage Choice Cardiff
10am to 5pm
Free Appointment

Address

Shop 2, 30 Harrison Street CARDIFF, NSW 2285

Welcome to Mortgage Choice in Newcastle and Lake Macquarie.

Some client thoughts.................

For Twelve years Richard Windeyer has been your local Mortgage Broker in and around Newcastle and Lake Macquarie.

Helping locals with home ownership, refinancing to a better deal or perhaps building an investment portfolio.
Confused about the process, or worried about the next step click through contact us below for a return call or book an appointment.

Google Review ⭐⭐⭐⭐⭐

Richard and Mel from Mortgage choice were simply amazing!! Such a stress free process. All of our mortgages have been completed through Richard and each and every time he was professional and spoke to us in terms we understood. He always went above and beyond and worked tirelessly to assist us, with a wonderful result of a new home. So incredibly grateful!

- Sarah, Jones

👉🏻 "Contact Us" 👀

How we make your home loan journey simpler.

We compare hundreds of loans from our panel of over 20 lenders. We submit the home loan application on your behalf and liaise with your lender, your solicitor/conveyancer and real estate agents. Forget the running around. We do it for you.

Mortgage Choice Newcastle and Lake Macquarie. Helping you achieve your dreams:

First homebuyers and subsequent homebuyers
Homebuyers refinancing their loans
First time property investors
Experienced property investors
Locals downsizing to smaller properties
Locals upgrading properties
People seeking to consolidate their debts.

Our office, your office, or your home means more convenience.

Areas we service.

Newcastle and Lake Macquarie: Belmont, Charlestown, Warners Bay, Cardiff and Newcastle through to Morisset, Toronto and back to Newcastle.

Arrange a complimentary consultation

Call us on 1800 01 LOAN (5626) or 4943 9705 or 049156596 or click contact us above to setup a return call or book an appointment.

Industry accolades.

FINALIST, The Better Business Awards hosted by The Adviser, Australia’s leading publication for mortgage and finance brokers. Best Customer Service/Satisfaction (Individual)

WINNER, Lake Macquarie Business Excellence Awards
Excellence in Customer Service by an Individual

FINALIST, Lake Macquarie Business Excellence Awards
Excellence in Customer Service by the Whole Business

Mortgage Choice Business Excellence Awards
WINNER, NSW
FINALIST, National awards

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

See all Google reviews

Our recent purchase of an investment unit was financed through Mortgage Choice and we were delighted with the service they provided. Richard Windeyer of Mortgage Choice was very thorough, and professional in helping us secure our investment finance at the best rate, from a major, reputable lending provider. We are most appreciative of Richard?s excellent service, and his willingness to schedule meetings flexibly, in times that suited two busy professional people.?
Daniel & Jayne, New Lambton Heights, NSW
- Property Investor

Richard was extremely helpful and flexible when we enquired about changing our home loan. His professionalism and knowledge was of extremely high standard and we are grateful for his assistance. We have and will continue to recommend his business.
Gemma, Wallsend, NSW
- Refinancer

Thank you Richard for your dedicated and friendly service! You were extremely responsive and worked seamlessly on our behalf with the conveyancers and real estate agents. It was clear you were always looking out for our best interests and you went well above and beyond when you drove seven hours to get my wife's signature then seven hours back the next day to return the form to the bank!

Thanks to your efforts we got the property. We are truly in your debt and have no hesitation in recommending your services to anyone looking for mortgage broker with expertise and with real customer service.

Thanks to your efforts we got the property. We are truly in your debt and have no hesitation in recommending your services to anyone looking for mortgage broker with expertise and with real customer service.
Anthony & Belinda, Redhead, NSW
- Property Investor

Richard and his team were brilliant! From day 1 everything flowed well. We couldn't have been happier with the service we received. We are now saving $700 per month thanks to our refinance! We will definitely use Richard and his team again in the future.
Luke & Stacey, New Lambton, NSW
- Property Investor

My partner and I were very happy with the service Richard provided for us. As we were purchasing our first home we had no idea what we were doing and Richard made the process very easy for us by taking the time to meet with us whenever we needed and explain things to us step by step until we had a better understanding. He was very patient and a very friendly character and we would recommend him to anyone and definitely use him down the track if need be. Fantastic service and If it wasn?t for Richard and his mortgage angel Shubha we wouldn?t have our happy little home!!
Pru, Mount Hutton, NSW
- First Home Buyer

Extremely happy with the overall service provided to us in selecting our mortgage. The staff were very accommodating, courteous and professional. Communication was excellent. Would be happy to refer to friends and family.
Will & Sarah, Macquarie Hills, NSW
- First Home Buyer

More than happy with the service received from Richard & Mortgage Choice, I would not hesitate to recommend their services to others & also use them again myself !
Tain, Wallsend, NSW
- Property Investor

As an accountant I have recommended a number of clients to Richard and have been very impressed with how he has approached the process of sourcing finance for my clients. He has been able to save clients a considerable amount of money and has made the difficult and sometimes stressful task of sourcing funds a relatively smooth task. I will be referring further client to Richard.
Peter, Charlestown, NSW
- Property Investor

Cannot speak highly enough of Richard. It is not very often you come across someone as professional and efficient as Richard and the rest of the team at Mortgage Choice. Richard went above and beyond in all our dealings with him and I am happy to recommend him to anyone who needs a broker.
Belinda, Charlestown, NSW
- Property Investor

An excellent service, I got the best loan on offer and Richard and team did all the legwork. I didn't have to worry about anything as they dealt with the bank, the paperwork, and they gave me regular feedback on how the application was progressing. Friendly, helpful people too. I would definitely use these guys again if I buy another property, and can highly recommend them.
J. Casey, Merewether, NSW
- First Home Buyer

Whilst the journey of the first home buyer can be a little bumpy, we felt really supported by Richard and the staff at Mortgage Choice Cardiff/Charlestown. The help, advice and service given to us was nothing short of excellent. We felt Richard really went above and beyond! Thank you guys, we will be recommending you to family and friends.
Rebecca and Brad, Shortland, NSW
- First Home Buyer

We could not be happier with the service we received from Richard and Melanie at Mortgage Choice. From the outset it was a smooth and easy process to obtain loan approval. Richard and Mel were always on hand to give advice when we were looking for a property to buy. When we did find a suitable property Richard and Mel worked quickly to ensure that our loan was processed and funds were available in time for settlement which was a short 4 week time frame. We didn't have to worry about a thing in regards to settlement funds as Richard and Melanie worked closely with our solicitor and everything went smoothly for our settlement.
Ray & Lucianne, Belmont, NSW
- Upgrader

My fiance Nick and myself have just purchased our first home and can not be more pleased with the support and assistance we received from Richard and Melanie. They made the process a breeze for us and being first home buyers they were always available to answer any questions we may have had. We would both highly recommend them to all of our family and friends.
Kate, Merewether, NSW
- First Home Buyer

Richard and Mel were brilliant! They went above and beyond to help me buy my first home. Highly recommend giving them a visit!
Alexandra, Charlestown, NSW
- First Home Buyer

After a frustrating 3 month refinance process with a big bank that led nowhere Richard delivered exactly as promised and closed our refinance within 3 weeks at a much lower rate than we were being offered by the big bank without all of the headaches.
James, Merewether, NSW
- Refinancer

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.

State / Territorial Revenue Web Sites

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TWELVE years with Mortgage Choice as your Mortgage Broker for the people and families of Newcastle and Lake Macquarie.

Cardiff

Welcome to Mortgage Choice in Newcastle and Lake Macquarie.

Some client thoughts.................

For Twelve years Richard Windeyer has been your local Mortgage Broker in and around Newcastle and Lake Macquarie.

Google Review ⭐⭐⭐⭐⭐

👉🏻 "Contact Us" 👀

👉🏻 "Contact Us" 👀

How we make your home loan journey simpler.

Mortgage Choice Newcastle and Lake Macquarie. Helping you achieve your dreams:

Our office, your office, or your home means more convenience.

Areas we service.

Arrange a complimentary consultation

Industry accolades.

The right home loan for your needs

Google Reviews

Sarah Jones

Callum Mackie

Lisa Welfare

Jamie

Marc Hodgson

Adam Hulbert

Cheryn Rooney

Amanda Carr

Daniel Wilson

First home buyer's guide

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

Latest news & tips

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