Todd Coleman

Todd Coleman Mortgage Broker for Leichhardt, Balmain, Glebe, Rozelle, Stanmore and surrounding suburbs

Let me help you with home loans, car loans, and business lending. I'll help you to get the best our of your finances.

Call Us Mortgage Choice Stanmore
Office - 0426 297 151

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

Mobile Broker

Servicing Leichhardt, Glebe, Balmain, Drummoyne and surrounds

Latest home loan interest rates

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Start your home loan journey today

Welcome to your Inner West Mortgage Broker, where you can save time and money by finding an individualised financial solution for you.

I'm committed to helping our customers get the right lending solution and financial advice, by focusing on the individual circumstances and using Mortgage Choice's extensive panel of lenders and suppliers. This way I can help first home buyers, refinancers, upgraders, downsizers and business owners, to get the right lending solution, so you can get on with doing what you want from life.

Having family ties in the Inner West that date back generations, and now raising my own family in the area, I'm happy to be able to help other families living and working in the area.

With almost 20 years in financial services, both locally and for international firms, and involvement in our family business, I can leverage off that experience to help you achieve your financial goals.

How do I help you?

When you work with me at Mortgage Choice, we will assess your current financial position and your longer-term goals, to identify a plan to work towards those goals.

If a lending solution is a preferred strategy, we can access over 3,000 products from more than 20 of Australia's leading banks and lenders to find the lending solution that will meet your needs. This may also require working with other professionals in your network, but we can do that quite easily.

Once we have agreed on the lending solution, we will arrange the paperwork and work with the lenders to get the loan settled, so that you can get on with your life. But reviewing your lenders and your situation is also an important part of this process, so we will continue to work together into the future.

I can cover professional advice across a wide range of areas including:

First Home Buyers Finance - including savings plans and finding the right loan
Home Loan Refinance - you would be amazed at how much can be saved by reviewing your home loan
Investment Property - whether you are looking to start a portfolio or review your current property and whether you have the best set up
Debt Consolidation - this can be a complex arrangement, so you want to get it right to save money
Upgrading / Downsizing - we can help with bridging finance, as it isn't as scary as it sounds, but there are complexities you want to get right
Business Finance - whether looking for a new business property, a work van, or every day tools of the trade, we can help
Personal / Car Loans - whether it be for home improvements or a new car we can find the right way to do it
Car Buying Service - if you are looking for a car, but don't want to have to negotiate with dealers, our car buying service can save you money and stress

How to Start: Call, email or use the contact tab above, and we can arrange a free appointment.

Call: 0426 297 151

Email: todd.coleman@mortgagechoice.com.au

We look forward to working with you to provide your financial solutions throughout Sydney's Inner West including Annandale, Balmain, Balmain East, Birchgrove, Drummoyne, Forest Lodge, Glebe, Leichhardt, Lilyfield, Rozelle, and Summer Hill.

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Balmain, Rozelle, Glebe, Leichhardt 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 https://www.mortgagechoice.com.au/todd.coleman/tools-resources/calculators/ or get in touch with Todd Coleman to discuss your unique circumstances

Ready to kickstart your journey to home ownership?

We’ll assist you along the way and do all the legwork for you! Call Todd Coleman today on 0426 297 151.

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

Todd is a pleasure to work with made the process an easy one.

Claire
18 December 2023

Todd was my mortgage broker for my first home purchase. He was responsive and supportive throughout the process, which was reassuring for a first-timer. I would recommend him to others seeking a mortgage broker.

Robert
01 November 2023

I am very happy with the service received from Todd and will gladly recommend him to anyone. He helped me through this new and scary process and even though my loan amount is very small he gave me all of his time and helped me every step of the way.

Tian
23 August 2023

Todd doesn't just do home loans .
i got my car finance thru Todd he was the best.
Always got back to me straight away re any questions i had.
All went really smooth .
Would be happy to use him again for any other loans i need .
and would happily recommend him to family and friends

ben
20 August 2023

Todd facilitated the refinance of our commercial property and residential home. We found the whole process totally professional and efficient. He was in touch throughout the process and maintained excellent communicaton. He was able to source a very competitive offer from a bank that we have never previoulsy used or considered. As a professional accountant my-self, I appreciated the transperancy and h... read more

Emile
20 August 2023

Todd's service is outstanding. He helped me to refinance during a difficult period to a much more suitable mortgage package and at a much better rate . He went out of his way to personally deliver documents to me to ensure that all the paperwork was submitted on time. Todd also follows through with a mortgage welfare check to ensure that you continue to get the most out of your package. For the fir... read more

Merrill
03 August 2023

Todd gives standout service.
He is very knowledgeable and helped me make an informed loan decision. Todd gives you exceptional customer service. He is very responsive, organised and keeps you informed.
He is very personable, and it is a pleasure to have Todd assist.
I am extremely satisfied with my stress free experience.
Todd is also a very community spirited guy.
He was the treasurer of our local... read more

Tony
26 July 2023

I have dealt with Todd Coleman over a number of years and found him to be exceptional in all areas of his job.
Todd made the process of re financing my home loan easy and walked me through step by step to ensure he obtained the best structure for me.

I would highly recommend Todd to anyone looking to get into the property market and obtain finance or get a better rate.

Todd is an A Class operator, and I cannot speak highly enough of him.

Sinead
04 July 2023

As a mature age first home buyer I have always dreamt of owning a home and now I do. I was previously put off by the complex processes involving agents, lawyers, eager vendors, banks and lots of money

I had spoken to many brokers but none made me feel any different until I met Todd from Mortgage Choice. He instantly put me at ease and I became quickly confident that I could turn my dream into reality... read more

Deborah
11 March 2023

Todd is a great broker. He is thoughtful in his advice and looks at all the options for you. He advises what is bet for you and your situation, making sure he checks details. He is very easy going and thorough in the service he provides.

Deirdre
23 February 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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My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

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2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

Calculate

You could borrow up to

Repayments
/ month
Expenses
Remaining

Based on standard variable rate over years.

Start the pre-approval process

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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

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.

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

Need help with your next home purchase?

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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