Welcome to Mortgage Choice - Adam Broughton

Call: 0428 717 536

Discover hassle-free home loan solutions with our expert team. We make the home loan process easy and stress-free, connecting you with the best home loan options from over 35 trusted lenders. Enjoy exceptional service and clear communication every step of the way. Best of all, our services are completely free, ensuring a smooth and rewarding path to homeownership.

Call Us Mortgage Choice Randwick
Mobile - 0428 717 536
Office - 02 9358 4855
Fax - 02 8572 8205

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

Our top 5 lowest interest rates available

Fixed rates
Variable rates

Lender

Interest Rate*

Comparison Rate

Lender

Interest Rate*

Comparison Rate

Credit criteria, conditions, fees and charges apply. Subject to suitability. The comparison rates in this table are based on a loan amount of $150,000 and a term of 25 years. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

Welcome to Mortgage Choice Adam Broughton

Your Path to the Perfect Mortgage

Meeting Options - In person, video or phone

Book here

Extensive Choices With access to over 35 lenders, we provide a wide range of options tailored to your needs.

Stress-Free Experience We handle all the hard work, sourcing the most suitable product and keeping you well-informed throughout the process for complete peace of mind.

Expert Advice at No Charge Our professional mortgage broking service is free of charge. We take the time to understand your short- and long-term goals, guiding you from start to finish.

Our services are not limited by location, we proudly assist clients from any state and internationally.

Feel free to discuss your lending scenario with us. Call (02) 9358 4855 during business hours to arrange a meeting, or Click here to book a call or meeting.

Office Hours:

Monday to Friday: 9:00am – 5:00pm

Our Services

Home Loan Refinancing
New Home Purchases
First Home Buyer Loans
Investment Loan Refinancing
Off-the-Plan Investments
Investment Property Purchases
Personal Loans
Car Loans & Equipment Finance
Debt Consolidation Loans
Fixed, Variable, and Interest-Only Home Loan Packages
Life and Income Protection Insurance

Experience seamless and efficient home loan solutions with us. Contact us today to make your homeownership dreams a reality.

Your Trusted Partner for Home Loan Solutions

Purchasing property

We simplify the property purchasing process. Our experts will calculate your borrowing capacity, outline associated costs, secure pre-approval with your preferred lender, and guide you through every step of the buying journey. Trust us to handle the entire process, reducing your stress from start to finish.

Refinancing

Looking to refinance? We'll assess your current needs, review your existing home loan, and research the market to negotiate the best deal for you. We manage the transition between lenders, providing clear communication throughout.

First Home Buyers

Buying your first home can be overwhelming. We offer professional guidance, explaining the entire process in detail and helping you navigate incentives like the First Home Loan Deposit Scheme, Stamp Duty Concessions, and Grants. We'll support you every step of the way, making your first home purchase smooth and stress-free.

Book a meeting with Adam Broughton to start your journey:

Servicing Areas

Working with clients who live in any location, buying and refinancing property homeloans Nationwide.

Our key areas of expertise are The Eastern Suburbs of Sydney, including Woolloomooloo, Kings Cross, Potts Point, Double Bay, Paddington, Waterloo, Bondi Beach, Bondi Junction, Vaucluse, Rushcutters Bay, Woollahra, Waverley, Tamarama, Bellevue Hill, North Bondi, Moore Park, Centennial Park, Darling Point, Rose Bay, Bronte, Watsons Bay and The Central Coast of NSW including Terrigal, Erina, Avoca Beach, North Avoca, Wamberal, East Gosford, Bateau Bay, Erina Heights, Kincumber and Springfield.

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

My wife and I have had the pleasure of working with Adam for nearly a decade now, and he has been instrumental in assisting us with two property purchases and several refinances during that time. Beyond his expertise, what sets Adam apart is his friendly, laid-back demeanor, which has made our interactions enjoyable and stress-free.

Adam is not only a great communicator but also highly knowledgeabl... read more

Ollie
30 June 2024

Adam is terrific - he is supportive, reliable, practical and very timely. Can highly recommend him

Jeff
06 June 2024

Adam was incredibly knowledgeable and guided my wife and I through the entire home loan process. We keep going back to Adam because he helps you understand the complicated, and is always so willing to help answer our many questions. A reliable, safe pair of hands who helps find what is right for you.
Highly recommend to others

Alex
13 May 2024

There is a reason why we keep going back to Adam with our loans new and refi. Adam is always attentive and offers a range of options to suit our specific needs. He communicates information promptly, succinctly and accurately. It has always been a pleasure dealing with Adam

Derek
07 May 2024

We would like to thank you Adam for his support with our recent property purchase. As first home buyers we were a bit unsure about the process, but Adam guided us successfully through it with his calmness and ability to come straight to the point. We highly recommend to engage him if you seek a mortgage broker.

Kate Tobias

Tobias
14 April 2024

I recently had the pleasure of working with Adam, and I cannot express how grateful I am for his exceptional service as a mortgage broker. From the moment I reached out to him, he was attentive, professional, and went above and beyond to ensure that I had the best mortgage solution for my needs.

Adam's knowledge and expertise in the mortgage industry were evident throughout the entire process. He p... read more

Olena
22 March 2024

Adam was so patient and supportive throughout the entire process. We really appreciate all his professional guidance and advice

Reyne
04 March 2024

This is the second 5 star review I've had the pleasure of giving Adam. I recently re-financed through him and believe I received the most competitive rates for both my home loan and investment loan.
He communicated very effecitvely throughout the process and gave quick and solid advice.
I highly recommend him to anyone and will definitely be in touch with him in 12 months time to see how my loans compete with the market.
Thanks again Adam

Kathryn
24 February 2024

Adam has been incredible throughout my first foray into the property market. Super friendly and always available to take a call from me, hes very knowledgeable and was able to give me a lot of information and advice in the process. Hes also very prompt and thorough in actioning everything. Recommend to anyone looking to secure a loan.

Michael
14 February 2024

Great experience Adam helped me through the process from start to finish. His knowledge, guidance and communication made everything so easy and trouble-free. Even after, he is always there to assist and answer any additional questions I have.

Olivia
27 January 2024

Property Ownership

This guide outlines the essential steps to achieving property ownership, starting from the first appointment with a mortgage broker all the way to settlement.

Download now

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You could borrow up to

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Based on standard variable rate over years.

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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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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.

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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.

From 09 May 2024, if you buy a home costing up to $450,000, no stamp duty is payable at all. If the value of your home is between $450,000 and $600,000, you’ll be entitled to a reduced rate of stamp duty.

There are no additional concessions for homes valued above $600,000 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.