Tracey Peters

Tracey Peters Mortgage Broker Belmont, Newcastle, Lake Macquarie and surrounding areas

Call 02 4945 9409

Looking for a home loan? Talk to Tracey Peters, your local Mortgage Choice broker from Belmont. Let us research and compare more than 25 lenders for you.

Call Us Mortgage Choice Belmont
Office - 02 4945 9409

Open Hours Mortgage Choice Belmont
9am-5pm Monday to Friday
Free Appointment

Address

604 Pacific Highway BELMONT, NSW 2280

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Our Mission

We are an exceptional team that provides an in-depth service to help our clients achieve their finacial goals.

We use our knowledge and experience to make the complex simple, educating our clients to achieve what they didn't think was possible.

To arrange an appointment at a time and place convenient to you please call us on 02 4945 9409 or drop into our office located at 604 Pacific Hwy, Belmont NSW.

Start your home loan journey today

This experience and expertise allow us to help you to achieve your financial goals. We offer a full range of financial services, which include:-

Home Loans
Car Loans
First Home Buyers
Refinancing
Property Investment
Risk & General Insurance
Equipment Finance & Leasing
Business Lending

We are able to tailor these products to your specific needs and circumstances, which ensures you get the outcome you are looking for and feel comfortable in your choices.

Why choose Mortgage Choice Belmont?

Did you know our home loan service is at no charge to our customers because the lenders pay us a commission after your home loan settles, so you get all of our expertise at no cost to you!

Want to find out more? Check out our Home loan resources!

We have a range of home loan resources to help you through your home buying journey. Check them out below!

If you're ready to speak with a home loan expert, call our office on 02 4945 9409.

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

Tracey and her team are the absolute best. Nothing is too much trouble. The whole process of refinancing was so easy from start to finish. I honestly would recommend Mortgage Choice Belmont as the only mortgage broker to use hands down.

Tamara
27 November 2023

We struggled for two years trying to deal with other mortgage brokers to organise an investment loan and increase. In the space of a few weeks, Tracey got the loan through, fought for our rights to a better deal and had it ready to go for when the building increase was applied. I cannot say enough about how dedicated and easy she was to work with

kylie
13 November 2023

Couldn't recommend enough. The girls are all very helpful and answer the million questions asked. Nothing was ever too hard and they were extremely helpful in all aspects.

Jacqui
06 November 2023

You can not look past Tracey and her team I highly recommend They made my experience over the past few months refinancing and getting more funds for another property an absolute breeze. Their communication and flexibility is A and always had a quick response with a cheerful and happy tone Thank you team

Chris
25 October 2023

We highly recommend Tracey and her team at Mortgage Choice. They went above and beyond for us to secure the finance for to purchase before auction in a very tight time frame. Always returned our calls and responded to emails and kept us informed through the application process. Truly grateful

Carlie
17 October 2023

Professional service and goes above all expectations

mathew
12 October 2023

We purchased a property off-the-plan and it took 18months from exchange of contracts to settlement due to construction delays. Tracey and Cienna looked after us during the entire process. You can only imagine the HUNDREDS of emails and phone calls and online meetings we have made to them during that 18 months. Tracey and her team is an absolute professional always very quick to reply, and transparen... read more

Rachelle
09 October 2023

Tracey, Cienna and the team at mortgage choice Belmont were just amazing in helping me secure my first home. They were very helpful in answering all my questions and providing me with plenty of options and choices throughout the process. They were all great to communicate with and I would recommend them to everyone.

Yasmin
26 September 2023

Tracey and her exceptional team are undoubtedly the pinnacle of mortgage brokerage services. Their unwavering commitment to delivering outstanding results leaves me utterly grateful. When other brokers faltered, they triumphed. No challenge is insurmountable for them, and every promise is not only made but brilliantly fulfilled. I wholeheartedly endorse Tracey and her team they will undoubtedly excee... read more

Shari
27 August 2023

I have had Tracey and the Morgage Choice team help me out a number of times and every time the service is outstanding .. great work team ...

Richard
24 August 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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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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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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