Samantha Cranny Mortgage Broker in Coogee, Randwick, Bondi & Sydney's Eastern Suburbs

Call: 0403 755 020

With a successful career spanning more than 20 years in real estate, lending and business, Samantha is well placed to provide clients with the right home loan deal structured to suit their specific needs. Her primary objective is to find the best solution to help each client achieve their property ownership goals.

She is based in Coogee and services Sydney’s eastern suburbs.

Call Us Mortgage Choice Coogee
Office - 0403 755 020

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

Address

112 Beach Street, Coogee

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About Samantha from Mortgage Choice in Coogee

Samantha from Mortgage Choice in Coogee, also servicing Randwick and Bondi, has a personal and professional background in property investment and understands the differing methods of obtaining finance and the benefits of gearing and home ownership.

Samantha’s mortgage broking business is based at Coogee Beach. She is mobile across all areas of the eastern suburbs as well as other Sydney metropolitan areas on request and can be contacted seven days a week.

Check out what our happy customers have to say about our service.
Click to see our customer reviews here

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Coogee Beach, Randwick, Bondi and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with us to discuss your unique circumstances

Mortgage Choice was named Australia’s top brokerage in The Adviser magazine’s 2023 list of Top 25 Brokerages.

Ready to kickstart your journey to homeownership?

At Mortgage Choice in Coogee, also servicing Randwick, Bondi and Sydney's Eastern Suburbs, we’ll assist you along the way, no matter what your home loan needs are and do all the legwork for you!

Call us today on (M) 0403 755 020

MFAA Certified 15+ Years of Broking Experience

Our Services

We're so much more than just home loans!

Samantha from Mortgage Choice in Coogee, also servicing Randwick and Bondi, supports you with well-informed advice and expertise in all areas of home lending, Samantha ensures a smooth and stress-free borrowing experience. Her clients range from first-home buyers to seasoned investors looking to expand their property portfolio.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Personal Loans
Car and asset finance
Commercial property finance
Business loans
Insurance (third party referrals)

Not sure where to start with your home loan and property journey?

At Mortgage Choice in Coogee, also servicing Randwick and Bondi, our property and home loan guides provide further information which may assist you with your journey, no matter if it's for your first home or for an investment property.

Download guides for free here!

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

Samantha provided an all-round amazing service and helped us with the purchase of put first home

Samantha took the time to understand our situation and details, which helped us to be in the best position possible as first home buyers. Every step of the way was explained to us, so we always felt like we knew what was happening and what needed to happen next.

Samantha and Robert were able to help us turn a... read more

Lawson
21 April 2024

We got in touch with Sam after a recommendation from a family friend and we couldn't be more impressed. Sam was able to help us find the right solution for our situation and guided us through the entire process. Sam took the time to get to know us and made sure that we were happy every step of the way. Sam really goes above and beyond, with a personal touch that is so rare. Would absolutely recommend.

Lauren
14 November 2023

My dream was to acquire five houses within a decade. In 2023, upon my return to Australia and with 2 properties under my belt, I had the privilege of meeting Samantha at Mortgage Choice. With her deep knowledge of the Australian real estate landscape, she helped me to create a solid financial plan. There were options I never even knew existed She and her team were extremely thorough and transparent through... read more

Tracey
06 September 2023

Sam is the best Very happy with the fast and transparent approach. Definitely recommend

t
01 August 2023

Samantha is phenomenal. Fabulous work ethic and extremely proactive. Would highly recommend

Annette
01 August 2023

Super friendly and knowledgeable. I cannot recommend then highly enough

Andrew
20 June 2023

Sammy her team do an amazing job.

Our process of purchasing our house wasn't exactly smooth but Sammy was on the phone 247 to help with any questionsadvice and answered and helped every time we phoned.

We would highly recommend her and her team to everybody that asked.

Thank you for helping us purchase our new home.

Tim and Vic

Tim
14 June 2023

I can highly recommended Samantha....She totally exceeded my expectations and has always been there to support and help me. I can 100 recommend her to anyone looking for help

Helen
26 April 2023

Absolutely amazing broker. Samantha has organised finance for me several times now and everything has been very smooth and efficient each time. Perfect professional service every time with a personal touch Highly recommend Samantha.

Karen
26 April 2023

Samantha is professional, highly knowledgeable and empathetic. She was an absolute godsend throughout the refinancing process and I cannot recommend her highly enough.

michelle
23 April 2023

Refinancing guide

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

Download now

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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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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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