Steve Long - Mortgage Broker & Home Loan Speicialst in Coffs Harbour

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Call: 0479 152 647

With extensive experience in banking and finance, and a passion for helping clients achieve their lending goals, Steve delivers an outstanding mortgage broking service.

“I work for the client, not for the lender, so the advice I provide is always in the best interests of my clients. I match clients with the right product and strategy to ensure they can achieve their finance goals,” he says.

Steve works with clients throughout regional New South Wales.

Call Us Mortgage Choice Coffs Harbour
Office - 0479 152 647

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

Address

PO Box 855 COFFS HARBOUR, NSW 2450

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Services

Steve’s lending expertise is underpinned by ethics and integrity. He works with all types of borrowers to provide expert advice tailored to their individual needs, specialising in first home buyers, refinance, property investment and commercial property finance.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Personal Loans
Car and asset finance
Business loans

A little more about our service

Prompt, efficient and informative – Steve takes a big-picture approach to your lending and will continue to monitor your loan’s performance post-settlement.

Steve is based in the Coffs Coast region, and offers a mobile service throughout regional New South Wales.

What is your borrowing power?

When you're ready to purchase your property, it's important to have a good understanding of how much you can borrow. We know that finding out how much you can borrow for a property can be a bit confusing, which is why we have some great resources at your disposal.

Feel free to check out our easy-to-use home loan calculators here or get in touch with Steve to discuss your unique situation.

Ready to start your home loan journey with Steve's help?

Find out for yourself why my customers are so happy. I'll make your next purchase an easy one.

Call Steve on 0479 152 647 today.

Client reviews

Steve was integral to us buying our first home. I can honestly say we wouldn't have bought as soon as we did, nor would the process have gone as smoothly as it did, without his guidance. We spoke to Steve initially to gain an understanding of our savings goals and returned to him once they were achieved. He was never pushy or salesy which was important to us. Steve was able to consider our situation and... read more

Kym
04 April 2024

We are grateful to Steve for guiding us patiently through the process of obtaining fiance for our home. Steve was prompt, helpful, and responsive, and found us a lender aligned with our values. Thank you Steve.

Sarah
03 April 2024

Steve is a superstar. He made the process of buying our first home so easy.
Would not hesitate to recommend him to absolutely everyone

Jess
31 October 2023

Steve and his team made buying our first home a piece of cake We're super grateful for their help with this exciting investment. Steve was awesome at answering all our questions, no matter how small. He's really patient and explains things in a way that's easy to understand. The support has been fantastic, even after the deal was done. Highly recommend

Drew
31 October 2023

Great job thanks team

Warren
16 March 2023

This was the second time we have required the services of Smartline and the experience and service gets better every time. We are very happy with the outcome of our loan requirements and look forward to working with Smartline (Steve) again in the future.

Colleen
27 February 2023

Steve and Yvette were amazing to deal with. So efficient and the communication was 1010 we never felt out of the loop with them. I would highly recommend using these guys I cannot fault them.

Amy
22 February 2023

When searching for a home loan you need to be able to rely on someone you can trust to be able to present all the options available and give you the right information to make the right decision. Steve Long & Yvette Jalandoni from Mortgage Choice were able to do all of this and more. Steve and Yvette answered all our questions and provided guidance to best products and solutions to help us to both save money and pa... read more

Jason
09 December 2022

Steve and Yvette kept us informed every step of the way and were always there to answer our questions. Their help and support helped to make the process as smooth as possible!

Emily
18 October 2022

Steve and Yvette were fantastic. They kept us informed throughout the whole process. They went out of their way to find the best product for us. Steve certainly knows his business and is very knowledgeable. I would highly recommend them to others. 100% for service!! Thank you Steve and Yvette.

Catherine
26 September 2022

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.