Mortgage Brokers Surry Hills – Book a Meeting

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Stephen Rossiter

Mortage Brokers & Financial Planners in Surry Hills

Call us or visit our website to get in touch. Click the button to book a face-to-face or online meeting.

Call Us Mortgage Choice Redfern
Office - 02 9698 1800
Fax - 02 9698 1807

Open Hours Mortgage Choice Redfern
Monday - Friday: 8:00am - 6:00pm
Free Appointment

Address

303 Cleveland Street REDFERN, NSW 2016

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Hi and welcome from Stephen Rossiter and Owen Evans. We're your local mortgage brokers and financial planners in Surry Hills and in the inner city; Waterloo, Darlinghurst, Redfern and Alexandria. We've been established in Surry Hills for over fifteen years and live in the local area. So we are committed to preserving your best interests as we would preserve our own.

We have an experienced and diverse team of mortgage brokers and financial advisers who have worked in the banking system, funds management, financial services and more. Regardless of your personal situation, there will be someone who can help you. They will ensure there is:

• a detailed understanding of your needs and dreams
• absolute accuracy on applications
• precise follow up with lenders
• clear reporting to clients via regular communication

In the end, this will deliver the right outcome for you. We pride ourselves on having the home loan, mortgage broking and financial advice experience and expertise to deliver this outcome across a broad range of situations.

Our home loan and financial advice services

We also have a financial adviser available. We can help you with all financial planning enquiries and if you have any questions we can provide you with the answers as soon as you need them.

If you are looking to organise and plan your finances our financial adviser is a great source of information and expert financial advice.

There are many home loan services our Surry Hills mortgage broking staff can help you with and this includes but isn't limited to:

• Finance for high-density dwellings, inner-city postcodes, smaller units and studios
• Investment loans and specialist advice for investment purchases.
• Off the plan purchase loans
• Loans for company title purchases
• Deposit bonds
• Car loans and equipment finance
• Finance for co-ownership and property share agreements
• Relocation loans - bridging finance
• Loans for the newly-arrived: experience in finance for Working-, Spousal- and other Visas

What's right for you?

We understand the busy inner-city lifestyle. We live it. So we make it a priority to cater to all the unique demands we encounter, whether it's in Surry Hills, Redfern, Alexandria or Waterloo, to find the deal that's right for you. Our mortgage and financial planning staff want to make the home loan and financial advice process easy and simple for you. You understand the choice you've made and are confident in the decision.

We can answer all of your questions, including:

• ‘Can I secure this property?' We will compare all your home loan options and provide you with honest and expert advice. Our staff's skills and experience are diverse and we're focused on keeping your best interests at heart. Everyone's financial situation is different and we will help you with yours.

• ‘How long does the home loan process take?' We can tell you that in a perfect world we'll have loan approval for you in 5-7 business days, but if this doesn't happen then we can tell you why it didn't work smoothly and then fix it. No matter what, you are in good hands.

What's next?

Book a meeting – click here to book a meeting with one of our brokers immediately, at a time that suits you (or call us on 02 9698 1800). We'd love you to come in just to discuss your goals and answer your questions; education and understanding are a major part of the service we provide. So, call us to discover how simple we make the home loan and financial advice process.

We are located at 303 Cleveland Street, Redfern (on the corner of Walker Street) - street parking is fine in Walker Street or close by. Give us a call on (02) 9698 1800 and you can meet us at any time between 8:00 am and 6:00 pm.

We look forward to hearing from you.

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

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Stephen, Owen and the entire team at Mortgage Choice Surry Hills, have been looking after us for a number of years. We have now completed 3 separate mortgages with them, since our first home. They have always gone above and beyond, ensuring the process is stress free. We trust them implicitly and really feel they have helped grow our finances and advance our position. We always come away knowing they have our best interests at heart. Not only are they super efficient, but they are an exceptionally friendly team and we always enjoy our dealings with them. We are beyond happy with their exemplary service and we can’t recommend them highly enough.
Anna & Dean, Erskineville, NSW
- Property Investor

This is my third experience with Stephen Rossiter at Mortgage Choice Surry Hills. They made the process so simple that I have to credit them, in part, with my success as an investor in the property market thus far. I would, and have, recommended them to friends and family. Thanks again.
Kirsty, Waterloo, NSW
- Property Investor

Stephen Rossiter, Jacob and the team at Mortgage Choice Surry Hills have been an amazing support throughout the entire journey that is property ownership. We have been kept very much informed about the process the entire way, and Stephen was amazing in making sure all the i's were dotted and t's crossed. No question was too silly, and all the jargon that goes along with a mortgage was explained in such a simple way. I cannot recommend the team highly enough!
Daniel & Sarah, Dulwich Hill, NSW
- First Home Buyer

Everyone at Mortgage Choice Surry Hills is professional, friendly and available. Talking finances at 8am could easily be challenging and painful, neither was the case. So thank you to Stephen Rossiter and the entire team.
Jayne, Edgecliff, NSW
- Refinancer

The team at Surry Hills Mortgage Choice have always provided an excellent and thorough service. Constant and timely updates are par for the course, plus an ongoing support that has been well above my expectations. I can't fault Stephen, Owen or Jacob’s service!
Tim G., Kensington, NSW
- Property Investor

We have used Mortgage Choice in Surry Hills for a number of investment property purchases and will continue to choose them as we have a great relationship with both Stephen and Jacob, and find their knowledge invaluable.
Kris & Taryn, Belrose, NSW
- Property Investor

Over the years we have arranged a number of loans for residential and investment purposes and have always been impressed with the expertise and professionalism of Stephen Rossiter, Owen Evans and the team. I would have no hesitation in recommending them.
Ian & Rod, Darlinghurst, NSW
- Upgrader

Hi Derek, thanks again for all your help, we never could have organised such comprehensive and complete insurance cover on our own. It's given us great peace of mind. We found your work very comprehensive, you explained everything very carefully and clearly. It's obvious too, how much work you put in to tailor your advice to our situation so thank you again for your excellent work.
Phillip & Kylie, Como, NSW
- Upgrader

Thank you so much for your help! It was a pleasure working with you guys. Special thanks for all your assistance in the last few days while we had dramas with the bank. Our conveyancer Lesley said to me over the phone that she works with a lot of mortgage brokers, and that Stephen Rossiter and Jacob are the best you could encounter. She was so impressed with how you sorted things out! So well done, we're so appreciative.
Duncan & Amy, Ashfield, NSW
- First Home Buyer

Thank you, Jason, for all your efforts in helping us buy our first home. When we first chatted some 15 months ago I thought it was never going to happen, however your enthusiasm and drive really made it happen in our opinion. You are really one of a kind.
Matt & Sophie, Gymea Bay, NSW
- First Home Buyer

Jason Lin helped me find a loan when no-one else would help me! I had a unique set of circumstances and many mortgage brokers turned me away but Jason was positive and helpful from the very start until getting it over the line for me. It took several months but he never gave up. Jason and Shivani at Mortgage Choice Surry Hills kept me updated and kept pressuring those that were blocking the progress of my loan being approved until it finally came through. They are lifesavers!
Christian, Ultimo, NSW
- Refinancer

We now have 5 home loans which have been organised through the Mortgage Choice Surry Hills office. Our experience is always filled with expert advice and efficient service. We would highly recommend working with Stephen, Owen and the team. We really do work with ease with everyone in the office, and think you already have the winning formula!
Kelly & Travis, Alexandria, NSW
- Property Investor

I would highly recommend the services provided by the team at Mortgage Choice in Surry Hills. Their services and expertise were professional, knowledgeable and reliable with friendly and personable staff. They work hard with you, and for you, every step of the way, removing much of the stress and hassle that comes with looking for and buying a home.
Sam, Leichhardt, NSW
- First Home Buyer

It's been a painless process working with Stephen Rossiter at Mortgage Choice in Surry Hills. Being a first time buyer I was pretty unfamiliar with the process and all the options available but Stephen explained them all clearly and recommended options that were appropriate to me. The team kept me up-to-date throughout the entire process. I would certainly recommend Mortgage Choice Surry Hills to anyone looking for hassle free advice.
Tim A., Erskineville, 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.

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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 $176,000 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.

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.

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 $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.

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 $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.

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 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.

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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