Mortgage Broker - Randwick to Maroubra
Speak to our consultants for a no-obligation consultation. We hold appointments from 8 a.m. - 8 p.m including Saturday virtually or our office in Pyrmont.
- Call Us
- Office - 02 9571 7213
- Fax - 02 9571 7212
- Open Hours
- Monday - Saturday: 8:00 am - 8:00 pm
By appointment only - Free Appointment
Mortgage Brokering Service
We are here to help. Our focus is not on getting a quick commitment. We do not practise sales or manipulation techniques. Our goal is for you to make an informed decision on whether to borrow, how much to borrow and the selection of loan products and structure.
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. ~
Just a brief note to thank you for all your efforts in helping Rose and I purchase the apartment at MOSMAN. Settlement happens tomorrow [Friday 28 July, at 2.30pm], with our cheques for the stamp duty and other fees paid to our solicitors today. Your service has been outstanding - we both feel we could not have done this without you.
We would be pleased to act as a referral for your excellent service and the Mortgage Choice product, should you need it.
Our thanks and best wishesChris & Rosemary Payne, Mosman, NSW
- Upgrader
Jin and i would like to thank you for all your efforts over the past couple of months. It was with your help that we were able to acheive our dreams and purchase our first home!
Wishing you all the best for the future!
ps. I may contact you again in the near future to discuss options for
re-financing my parents home loan.Jin Yu & Divina Guzman, Hornsby, NSW
- First Home Buyer
Thank you for your assistance with the financing
of our first home.I am pleased to advise that we settled at 3:00pm today. I found your introduction seminar to be interesting and as a first home buyer, having your experience alongside my wife and I while we financed the transaction put us at ease.
All the best for the New Year and we look forward to
contacting you when we look to buying an investment property.Nathan & Alexander Walker, Cammeray, NSW
- First Home Buyer
Great service from both Heather and Raymond. Thank you for all your patience and help. As first home buyers, our service was long and we received good and prompt advice and help from Heather (and Raymond) through the process.
Gill & Paul Rohan, Fairlight, NSW
- First Home Buyer
If you're looking for a mortgage broker, look no further. Raymond has handled two mortgages for us now. The 1st, in 2012, was pretty straightforward but for the second, in 2018, he has gone above and beyond. This time I have a major illness which caused some concern for lenders. Raymond proactively but sensitively pointed out the likely issue before anyone else did and then held our hands through the process - he came to our home on the weekend to discuss, responded to all communications within the hour, suggested supporting documentation we should pull together in advance and contacted prospective lenders before making a formal application anywhere to avoid wasting anyone's time, or impacting negatively on our credit rating. We'd already made an offer and he understood the urgency given the cooling off period deadline and made sure we had the confidence to proceed in time - a stark contrast to how my own bank handled the situation. Thank you Raymond !
Scott Riddle, Manager of Google Financial Services Partnership, Thornleigh, NSW
- Upgrader
Excerpt from e-mail
Hi Raymond,
Always a pleasure dealing. Thank you so much for your assistance in being able to get a loan and home for myself and my children. I would have no hesitation of recommending you to my family or friends
Gina Mansikka, Collaroy, NSW
- Upgrader
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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.
State / Territorial Revenue Web Sites
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