Stuart Sutherland

Stuart Sutherland Mortgage Broker Caringbah, Miranda, Cronulla & Gymea & Surrounds

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Call: 0401 641 773

With over 30 years’ experience in banking and lending, Stuart has a thorough knowledge of lending policies and products, and of what lenders are looking for in a home loan application.

Call Us Mortgage Choice Caringbah
Mobile - 0401 641 773
Office - 02 9501 2041

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

Address

C-205, 16 Wurrook Circuit CARINGBAH, NSW 2229

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Services

Whether you’re buying a new home, refinancing or investing, Stuart will work closely with you to develop a strategic lending plan to put you on the path to financial success.

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

A little information about our service

At Mortgage Choice in Caringbah, Miranda, Cronulla, Gymea and surrounds, a loan is never set and forget. Stuart and the team support you with exceptional service right through to settlement and will remain available to ensure your financial needs are met as your circumstances change.

As well as home loans, Stuart can assist with vehicle and equipment finance for self-employed clients. He offers a mobile mortgage broking service throughout Sydney, with a focus on the Sutherland Shire.

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 and what is associated with the loan process. 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.

Why not check out our easy-to-use home loan calculators here or get in touch with us to discuss your unique situation.

Ready to start your home loan journey?

Visit our reviews page here and find out why our customers trust us to make their home loan journey an easy one.

Call us today on 0401 641 773.

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

Stuart and Melissa’s caring and professional approach to our needs was awesome
No stress
No dramas
Just smooth sailing
Thanks Stuart and Melissa
Much appreciated
Brenden Phillips
27 July 2022

Provided a great service and kept me up to date the whole time.
Renee Dalton
22 July 2022

I highly recommend Stuart Sutherland & his team they make the whole process so easy!!
Brooke McLoughlin
11 July 2022

Easy process which was extremely efficient and respectful ??
Nathan Gatehouse
04 July 2022

Mel and Stuart are two of the most amazing people I have ever met…
Buying a house can be stressful but this team is so efficient and amazing they were always 3 steps ahead and had answers for every question I had.
I am so grateful I was able to work with them for the 2nd time on my dream home!!
Not only are they amazing they are so kind and keep a good morale and made me laugh… I could go on for ever about these amazing people…
I would recommend there service to anyone buying a house!
Rebecca Coghlan
28 June 2022

Mel and Stuart at smart line are the best brokers I have ever met..
This is the second time I have used there remarkable service to buy our dream home

Buying a house can be stressful but not when you have Mel and Stuart. They are so reliable and efficient in everything and are always 3 steps ahead.

The best service I have ever received with a great attitude and super friendly

The knowledge and... read more
rebecca coghlan
28 June 2022

All good
Mark Cato
17 June 2022

Always a pleasure dealing with Stu & Mel...
Bryce Roberts
06 June 2022

Stuart and Melissa are the best. They have provided solid advice and our experience as a customer has been second to none. They are on top of everything, their commitment was incredible, we received timely updates often out of business hours, and they are always so lovely. They will definitely be part of our support team for years to come.
Therese Manns
05 June 2022

Stuart and Melissa did an outstanding job on our homeloan and I highly recommended. They really went above and beyond with helping us purchase our home, ensuring settlement went smoothly along with finding us a great rate
Tim Clark
04 May 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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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.

Stuart Sutherland Mortgage Broker Caringbah, Miranda, Cronulla & Gymea & Surrounds

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