Mortgage Choice Charlestown - Richard Windeyer. Mortgage Broker assisting Newcastle, Lake Macquarie and surrounds.

Call: 0413 245 556

Looking for a home loan? Refinancing, buying your first home, or investment, our team with over 14 years experience is here to assist you.

📆 Scroll down to book your appointment now!

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

Open Hours Mortgage Choice Charlestown
Monday to Friday 8.30 am - 5.00 pm
After hours and Saturdays by appointment
Sunday Closed
Free Appointment

Address

1/1 Hopetoun Street CHARLESTOWN, NSW 2290

Start your home loan journey today

Your local home loan specialist.

I started Mortgage Choice Charlestown back in March 2010, opened another office in Cardiff 2011, and looking back, feels like a lifetime ago.

I’m a proud Mortgage Choice broker aiding fellow Newcastle and Lake Macquarie residents in realising their dreams of owning a home.

Newcastle and Lake Macquarie holds a special place in my heart, shaping me since my early years. Supported by my partner/wife Maree and our children Philip and Kristie, we ventured down the path of self-employment some 24 years ago.

It’s been over 14 years and I still work with my very first client! ........a testament to the enduring relationships forged over time.

This journey has been immensely fulfilling, and I'm humbled by the recognition our team has received, including the "Lake Macquarie Business Excellence Awards" and our finalist status in "The Advisor" Better Business Awards.

Beyond work, the daily grind I cherish moments with Maree as empty nesters, enjoying time with our granddaughter Mila, MJ to us and anticipating the arrival of our grandson.

Expert home loan advice:

Why work with Richard Windeyer

Client experiences and expectations in getting a home loan has changed in recent years.

We've weathered numerous changes, but perhaps none as impactful as those in recent times. The Government's imposition of restrictions on lender borrowing limits and the unprecedented challenges brought about by COVID-19 lockdowns have left an indelible mark.

This combined with multiple interest rate increases since May 2022, has heralded a new chapter for Newcastle and Lake Macquarie people wanting to purchase their first home, refinance to a better rate or purchase an investment property.

These are just some of the challenges I have worked through. Experience counts.

Mortgage Choice Charlestown

📍 Level 1/1 Hopetoun St, CHARLESTOWN 2290

Our office, your office, or your home means more convenience and at no cost to you.

Areas we service:

As your Mortgage Broker, we serve Morisset to Cameron Park, Newcastle to Swansea, Hunter Valley, and anywhere in between. Let's meet where it suits you best: my office, a nearby coffee shop, or online via Zoom.

Lake Macquarie Region

Charlestown

How we can help:

First Home Buyer

Investment

Downsizing

Refinancing

Upsize

Construction Loans

Book an Appointment

My service also includes:

Accessing Equity

Deposit Bonds

Car Loans

Personal Loans

Equipment & Asset Finance

SMSF Lending

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

Client reviews

Weve been using Richard for 8 years now, his service has always been outstanding and gone above and beyond to get things across the line. Thanks Richard

Nick
23 April 2024

Richard and Mel were amazing to deal with Always kept us updated throughout the loan approval process and answered the many questions we had. Would highly recommend Richard to everyone interested in purchasing a house and needing a broker

Alexandra
17 April 2024

Richard at Mortgage Choice was the best. He made the entire process and journey of buying a house so easy. From people with little knowledge and first home buyers he was kind, patient and took the time to explain everything to us. Could not recommend Richard and Mortgage Choice enough.

Tas
25 March 2024

Richard is a true professional. Helped us secure a great mortgage deal. Richard is knowledgeable, helpful and a great person to deal with. A well run business.

Rebecca
22 March 2024

Richard and Mel from Mortgage Choice Charlestown have been a fantastic source of advice, guidance and action when it comes to all things purchasing property for both my family and friends. Richard is the consummate professional and a leader in the field of mortgage brokerage and he operates without agenda and puts his clients at ease by being approachable and informative. I strongly recommend Rich... read more

Sam
22 March 2024

Richard and Mel from Mortgage Choice have been looking after us for years. They are very easy to work with, nothing is ever a problem. They are always helpful and we highly value their experience and advice. They helped me initially enter the property market, they supported my husband and I to purchase our family home, and they have recently assisted us to refinance. The level of communication and... read more

Carly
21 March 2024

Cant recommend Richard enough Hes extremely knowledgeable and supportive throughout the whole process.

Nikki
21 March 2024

Highly recommend Richard who was an absolute delight to deal with and delivered quality service and a speedy turnaround during all stages of the process of securing my home loan.

Donna
06 March 2024

Richard and Mel are both excellent at what they do. My wife and I have used Richard's services for 2 property purchases and each time it has been smooth and flawless.
I would highly recommend Richard and his team to anyone. Thank you Richard Mel

Ryan
16 February 2024

Richard has managed a number of mortgage arrangements for us and he is someone I recommend to others. Honest and supportive through a tricky process on your most expensive asset. An easy 5 stars

Kevin
15 February 2024

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

PAYG Self Employed

My monthly income before tax

Rental income

My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

Calculate

You could borrow up to

Repayments
/ month
Expenses
Remaining

Based on standard variable rate over years.

Start the pre-approval process

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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

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.

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

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.

State / Territorial Revenue Web Sites

View