Tony McCaugherty | Mortgage broker in Macquarie Park

Home Find a local expert Tony McCaugherty

Your Local Mortgage Broker & Finance Expert in Macquarie Park, Epping, Ryde & surrounds

Call: 0456 588 492

With over 25 lenders and hundreds of home loans to choose from, the Mortgage Choice team in Macquarie Park & Epping provides tailored home loan advice you can trust - all at no cost to you.

Call Us Mortgage Choice Macquarie Park
Mobile - 0456 588 492
Office - 02 8875 7805
Fax - 02 8875 7806

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

Address

Level 9, Avaya House, 123 Epping Road MACQUARIE PARK, NSW 2113

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Tailored home loan advice you can trust.

Having worked for years in the major banks, I decided I wanted to offer more than just loan products from a single lender. As a Mortgage Choice broker, I can give customers access to hundreds of home loans, interest rates and features - so that each loan feels tailored to your budget and property.

Not only that, I'm passionate about providing easy-to-understand, transparent loan advice to help customers make a great choice on their home loan.

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We'll do the research for you

We'll first sit down with you to find out what makes your situation unique & talk about some lenders that would suit you. Are you self employed? Is your partner on a working Visa? There are some great lenders who specialise in these types of loans. We will then get to work researching and comparing loans to find a clear selection for you to choose from.

Our panel of over 25 lenders include all the major banks, along with some smaller, more specialised lenders.

We do the paperwork & the legwork

Once you have selected your loan, the Mortgage Broker Macquarie Park team will complete the application paperwork and submit to the lender, and answer any questions from the lender on your behalf or provide any additional documentation they need.

That means that you won't have to worry about filling out paperwork or making sure your loan is moving to settlement. Instead you can focus on finding your new home!

We have your best interests at heart

We know how important it is for you to be able to trust the advice we give. Our service at Mortgage Choice in Macquarie Park comes at no cost to you as your chosen lender pays us a commission after your loan settles.

While other brokers are paid different commissions based on the lender, Mortgage Choice brokers are paid the same rate, regardless of the home loan you choose. It's part of what makes us different, and ensures we always have your best interests at heart.

Your dedicated mortgage broker in Macquarie Park

What sets us apart is our true dedication & personalised service for each and every customer. No two loans are the same, and our team would love to find you the tailored finance solution that will suit you for years to come.

Call the Mortgage Broker Macquarie Park team on 0456 588 492 or click on one of the buttons below.

^{The Mortgage Broker Macquarie Park team service the areas of Hunters Hill, Gladesville, Ryde, North Ryde, West Ryde, Epping, Eastwood, Macquarie Park & surrounds.}

"Tony really looked after us, taking the stress away from a daunting process. I would recommend this business for anyone looking for a home loan or refinance." (Matthew Cooper, Epping NSW)

"Tony was so professional, quick response and so helpful to find the right lender that suit our needs for our mortgage refinance. Definitely will recommend Tony to family and friends." (Lucy Cin, Ryde NSW)

"Excellent to deal with. Very professional and went out of his way to help! Made the process very easy!" (Chris Vella, Macquarie Park NSW)

What makes Mortgage Choice different?

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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Excellent to deal with. Very professional and went out of his way to help! Made the process very easy!
Chris Vella, Macquarie Park, NSW
- Property Investor

It was great to know Tony from Mortgage Choice in Macquarie Park. He’s so professional, quick response and so helpful to find the right lender that suit our needs for our mortgage refinance. Definitely will recommend Tony to family and friends.
Lucy Chin, Ryde, NSW
- Refinancer

Definitely helps having a Dad working as a Mortgage Broker! Despite that, he was able to clearly explain to me all of the different options and educate me on how loans work. He was very helpful in making my first home purchase possible and was professional throughout the entire process.
Ryan McCaugherty, Macquarie Park, NSW
- First Home Buyer

I found Mortgage Choice Tony McCaugherty to be very professional, with exceptional communication. Tony really looked after us, taking the stress away from a daunting process. I would recommend this business for anyone looking for a home loan or refinance.
Matthew Cooper, Epping, NSW
- First Home Buyer

Tony is very professional, we had a lot of different variables in our circumstances and Tony helped decipher through all of them and put our best application in, I will definitely recommend him to friends and family.
Ben Hansen, Macquarie Park, NSW
- First Home Buyer

Tony from Mortgage Choice in Macquarie Park has been so helpful as I've been embarking on my first home ownership journey. He has been a wealth of knowledge, very patient and no request or question is too much trouble. He really cares about his customers and I'd highly recommend him to any home buyers. Thank you Tony!
Tessa Pollard, Macquarie Park, NSW
- First Home Buyer

I strongly recommend Tony from Mortgage Choice. He's not only professional also very supportive and responsive. He also gave me some tips about the location. I'm so happy of my choice.
Saman Qalamkari, Epping, NSW
- First Home Buyer

Would highly recommend Tony he answered all my dumb questions and helped me each step of the way of buying of my first home. I felt that Tony truly had my best interests at heart.
Catherine Meers, Macquarie Park, NSW
- First Home Buyer

Tony has delivered expert advice promptly without pressuring us into making a decision. Will definitely continue to use his services in the future!
Brendan Lee, Epping, NSW
- Property Investor

We would highly recommend Mortgage Choice Tony McCaugherty to anyone looking for a broker. Tony was great with providing various options of lending and was very efficient with his turnaround. He was also very helpful with giving useful and insightful tips and advice. He has made this daunting process very easy for us! Thank you once again!
Linda Lam, Gladesville, NSW
- Upgrader

I am grateful to Tony for his patience, knowledge and support during my home purchase journey! Not only have I found Tony professional but he has treated me as part of his extended family. Thank you Tony - I'm soo excited to be settling on my own home tomorrow!
Helen Green, Ryde, NSW
- First Home Buyer

Step-by-step guide to home ownership

There are many steps involved in purchasing a property which can vary between residential and investment properties. This guide explains each step in order as well as what is involved at every stage of the purchasing 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 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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Your Local Mortgage Broker & Finance Expert in Macquarie Park, Epping, Ryde & surrounds

Macquarie Park

Latest home loan interest rates

Tailored home loan advice you can trust.

We'll do the research for you

We do the paperwork & the legwork

We have your best interests at heart

Your dedicated mortgage broker in Macquarie Park

I want to buy a home

I want to buy an investment

I'm considering refinancing

What makes Mortgage Choice different?

The right home loan for your needs

Google Reviews

Ryan McCaugherty

Helen T. Green

Catherine Meers

Kirsten Cowley

Remya Jayaraj

Brendan Lee

Lucy CHIN

Tessa Pollard

saman Qalamkari

Ben Hansen

linda lam

Matthew Cooper

chris vella

Step-by-step guide to home ownership

Help me calculate

2nd Applicant

Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

State / Territorial Revenue Web Sites

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