Trent Winstanley

Home Loan Mortgage Broker for Adelaide CBD, Prospect, North Adelaide and surrounding suburbs.

Call: 0424 156 302

Mortgage broker Trent Winstanley can provide expert home loans advice for refinancing, first home buyers, investors or next home buyers.

Call Us Mortgage Choice North Adelaide
Mobile - 0424 156 302
Office - 08 8297 2269
Fax - 08 8297 2274

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

Address

PO Box 52 NORTH ADELAIDE, SA 5006

Latest home loan interest rates

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Your home loan has never been easier.

At Mortgage Choice in Adelaide CBD, we work to ensure that we are finding you the best home loan from our wide range of lenders, to suit your needs. We do all the research and paperwork, so you don't have to , and keep you updated as the loan progresses. Call us today!

We share your passion

We’re passionate about helping you achieve your dreams of:

A first home
An investment property
Your next home
Renovating your home

The loan that suits you needs

We have access to hundreds of loans from over 20 different lenders including the big banks and specialty lenders. We do all the research, to find the best loan for your life! We hate to see people stuck in the wrong loan for years, so we work hard to ensure we get you into the right one.

It gives you choice – without the legwork

At Mortgage Choice in Adelaide CBD, we do all the legwork and prepare all the paperwork so you can set about finding the right car or property to purchase. We will keep you updated as the loan progresses, and deal with the banks on your behalf - easy!

Expert advice at no cost to you

There is no charge for our home loan service as the lender pays us when your loan settles.

All your financial needs are covered

Our skilled team can help you select from a range of finance options:

Car Loans
Debt Consolidation
Personal Loans
Equipment Leasing
Loan Repayment Insurance
Life & Risk Insurance, as well and Home and Contents Insurance

More convenience for you

We understand your life is busy.

That’s why we can visit you at your home or workplace at a time that’s convenient for you.

To get expert advice to help you choose the right home loan at no cost to you, call Trent and his team on 08 8297 2269 or 0424 156 302.

We service the areas of: Adelaide, North Adelaide, Collinswood, Gilberton, Medindie, Medindie Gardens, Vale Park, Walkerville, Fitzroy, Ovingham, Prospect, Prospect East, Prospect West, Thorngate, Broadview, Nailsworth, Sefton Park, Blair Athol, Blair Athol West, Kilburn, Kilburn North, Clearview, Enfield, Northfield, Northgate, Gilles Plains, Greenacres, Hampstead Gardens, Hillcrest, Manningham, Oakden, Klemzig, Windsor Gardens, Cavan, Dry Creek, Gepps Cross.

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

Trent has been our trusted Broker for over 10 years. He is personable, professional and extremely knowledgeable. Most importantly, Trent is completely client focussed and always does what is in the best interest of those he is representing. I have widely recommended Trents services and feedback has always been positive.
Tony Byles
24 May 2022

Trent is my go to for my personal broking and also my recommended Broker my real estate Business. If there is a way Trent will find it.
James Leo
24 March 2022

Trent has been exceptional with his help and professionalism. Always goes above and beyond expectation. Highly recommend to anyone looking for the best loan.
Sean K
24 March 2022

Trent has been a fantastic support over the years helping us to refinance and most recently secure a loan when purchasing a new home. Trent is extremely genuine and very easy to communicate with. He will go above and beyond to make sure you feel well informed and comfortable with all options available to you. I have recommended Trent to family and friends in the past and will continue to in the future
Jarrod Gillings
22 February 2022

Trust should be Trent's middle name We have been dealing with Trent for more than 11 years now. From helping us make the right decisions to buy our first house, Trent has not only helped us upgrade over the years but also guided us in developing our investment portfolio.
Trent and his team are very reliable, they kept us updated throughout the loan process. The experience was seamless.
Thanks guy... read more
Mohit Taneja
23 December 2021

I have dealt with Trent on two occasions who arrange mortgages for both properties.
I found Trent to be a very nice guy who is very knowledgeable in his field. He gave us clear and concise advice on our choices and kept us informed at every stage of the approval process.
The most recent application was difficult due to circumstance however, Trent dealt with the issues and secured the loan in a ver... read more
Gavin Park
22 November 2021

Trent and William looked after me like gold. I am a repeat customer and will continue to use their services in the future. They have expert knowledge, responded to my questions promptly and nothing was ever too much to ask of them. Despite my loan circumstances being challenging, they presented me with multiple options and comprehensively explained the difference between the lenders. Will be back again and again and again...
sam grover
23 October 2021

Trent is an absolute legend. Has been a trusted adviser and support for me for over 8 years. He and William are like family. They understand each clients needs and work tirelessly to find the best loans, rates and benefits. Trent genuinely cares - and I couldnt recommend a better broker- or person to manage your business- or to meet. Kind- Nice and Professional - is hard to beat
Kate Van Schaik
23 October 2021

The team at Mortgage Choice Adelaide led by Trent Winstanley are simply outstanding. We have just finished financing with them for the second time and will come back again. It couldn't have been made any easier, we've saved literally thousands of dollars, and even when I thought we were finished, Trent contacted me out of the blue advising he'd unlocked even more value for us. Amazing.
Leigh Perkins
23 June 2021

Our mortgage broker was Trent and he gave amazing customer service. Trent helped us very quickly and smoothly getting into our first mortgage and building our first house. Very responsive and professional.
Becksta
23 June 2021

Read more reviews

Trent was knowledgeable, he gave us helpful advice and he was flexible in the location & time to meet. Thanks!
Alain B & Anna S, Goodwood, SA
- First Home Buyer

We were very impressed that Trent came to visit us at short notice & did all he could to gain approval from the bank very quickly after presenting us with a selection of the best products available. Overall a fantastic help to secure our first home!
Matt B, Flinders Park, SA
- First Home Buyer

Trent and Will had a short time frame to help me get my investment loan sorted out as I had placed an offer in on a property and had to rejiggle a few things around. Nothing was too much trouble for them and were always available to answer my questions and help me when needed.

I will definitely be back to do business again whether it is purchasing another property or refinancing, and have no hesitations in recommending them to others.
Craig C, Seville Grove, WA
- Property Investor

This is the second time I have used Trent for my mortgage options. He is always there to provide great advice and options. I have recommended him already to quite a number of my friends and family who have also used him to facilitate their home loans.
Lauren E, Seaton, SA
- Upgrader

Trent was very helpful and friendly. He was quick to get back to us with information and could also answer all of our questions. We will definitely be using Trent again in the future. Thank you
Melissa M, Valley View, SA
- Refinancer

Trent and William have been excellent to me even when I become the difficult customer. at no time did I feel dismissed when I was unsatisfied with another part of the process. I feel like I was looked after in a way which my bank was not able to do. I was referred to Trent and I will refer on again.
Glyn J, Largs North, SA
- Upgrader

Trent was extremely helpful. He enabled us to achieve the loan we wanted within a week! He and other staff were always professional and available. We would certainly recommend him to others.
Alan B, Glenelg North, SA
- Upgrader

Trent was extremely polite, patient and very thorough throughout the whole process. Being first time home buyers, Trent helped us through and ensured we understood each and every step by explaining everything in a language we could relate to. Made it very easy for us!
Michael N, Gilles Plains, SA
- First Home Buyer

Trent was very professional with a friendly manner and not pushy, he gave me options that best suited me. There wasn't a question he couldn't answer and didn't make me feel silly if I thought a question was silly. I have already recommended Trent to my family and friends. I would definitely use him again.

I am a business owner and I am also a consultant and I appreciated the way he did business.
Sue B, Fulham Gardens, SA
- Refinancer

Trent had exceptional communication through the entire process. His honesty and ability to deliver against all promises was a standout.
Ryan P, West Beach, SA
- Upgrader

Trent Winstanley has been invaluable in assisting us with our re-finance and future purchase of a second property. With Trent's competent assistance we have been able to secure the most beneficial mortgage rates in the market for our individual situation. Trent is approachable, highly efficient and personable. Importantly, we feel that our choices have been well educated and executed with Trent's assistance. We could not recommend him more highly. We must also acknowledge Trent's colleague Mr William Woods, who has been supremely organised and timely in his communication with us. With William we feel very well looked after and confident in his abilities.
Daniel & Camille G, Woodville South, SA
- Property Investor

The service we have received from Trent has been outstanding. He has extensive knowledge in his field and dedicated sufficient time and attention in explaining our options to us. During the process of our build we have had numerous queries for Trent and he always receives them positively and never made us feel we were a hassle. Overall Trent's customer service is excellent. We will most definitely use his services in the future and we have already recommended him to numerous family members.
Rachel H & Neil W, Adelaide, SA
- Upgrader

Very happy with Trent's excellent advice.
Lynette W, Brighton, SA
- Upgrader

A very good experience with help that are after hours. Trent Winstanley and William Woods gave help that were above and beyond. Will definitely go with them on our next property and recommend them to friends and family.
Jessica M & Ilias V, Reynella, SA
- Property Investor

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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.

Click here for more information on the WA First home Owner Grant.

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