Billy Boulton

Servicing the Wollongong and Illawarra Regions. Gerrigong, Kiama, Dapto, Albion Park, Figtree.

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Call: 0413 314 420

Billy and Anne Boulton - Your Local Mortgage Choice Brokers for Dapto, Shellharbour, Kiama, Horsley and surrounds.

Call Us Mortgage Choice Dapto
Mobile - 0413 314 420
Office - 02 4261 8058
Fax - 02 4229 9982

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

Address

9/47-51 Baan Baan Street DAPTO, NSW 2530

Mortgage Broker Dapto, Shellharbour, Horsley & Kiama

Looking to get into the property market on the beautiful South Coast? Purchasing a new home or an investment property can be a difficult and demanding process. It's important to use an experienced broker who knows the local area, to help you achieve your financial goals sooner.

With over 17 years in the business, Billy & Anne Boulton have helped facilitate over $700 million of borrowings for their clients since they began as Mortgage Choice Brokers in 2001.

Whether you're a first home buyer, seeking to invest in property, constructing or renovating your home or wishing to refinance or consolidate debt, our team from Mortgage Choice Dapto can assist you.

Our promise to you:

We are proud to offer a choice of lenders to all of our clients. This ensures the home loan advice you receive fits your requirements. Once we have lodged your application, we'll keep you fully informed of its progress.

Plus, our commitment to you extends well beyond the life of any loan. Once your loan settles, we welcome you to join our many happy existing clients in using our service for all your ongoing home loan needs.

We're all about making this journey simpler for you. From first-time home buying to refinancing, we're here to listen to your goals and tailor the best solutions for you. Remember, with Billy and his team by your side, you're not alone in this process. Let's make your property dreams come true!

Call the Mortgage Choice Dapto team on 02 4261 8058.

How our Mortgage Brokers in Dapto can help:

Mortgage Choice in Dapto can help you find the home loan or loan product most suitable for your requirements.

Our team of finance experts can answer questions such as:

"I am a first home buyer; what benefits are available to me?"
"I want to sell my house and move; what should I do and how much can I buy for?"
"Can I afford an investment property?

With so many banks and lenders competing for your business, it can be difficult to know where to begin. The good news is that when you choose to work with us for your home loan, it's like having access to over 35 lenders at once, with hundreds of different home loans on offer.

As your local Mortgage Broker in Dapto and the surrounding areas, we are confident that we can help you in your home loan journey. Our job is to know what each lender has on offer and what loan incentives you could be eligible for.

As a Mortgage Choice broker, we have access to a unique Loan Qualifier software that cuts through the maze and provides us with a number of options. This can cut down the time it takes to find a home loan dramatically. If you're ready to start your home loan journey, then reach out to our team.

Home Loan Resources

If you're researching the best ways to secure a loan, then you may find our guides useful. Feel free to check out some of our free resources below.

Servicing the suburbs: Figtree, Illawarra, Gerringong, Gerroa, Kiama, Kiama Downs, Dapto, Horsley, Brooks Reach, Kanahooka, Koonawarra, Shellharbour, Oak Flats, Barrack Heights, Albion Park, Cordeaux Heights.

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

Billy and the team are so amazing. I first came in contact with Billy in 2015 from a recommendation through a friend who spoke so highly of him, and it wasnt hard to see why. Right from day 1 Billy has been consistent, efficient, respectful, kind and so helpful. So grateful to have the support of Billy 100 recommend.

Larissa
02 May 2024

Billy and his team helped my partner and I purchase our first home. Billy always went the extra mile to get things done and we couldnt recommend him enough

Megan
15 March 2024

We would recommend Billy and his team for refinancing and construction loans and he has helped us with both.

Excellent work from Billy, supporting the loan application process and working with both the Bank and our builder.

A few issues from the Bank with the construction payment schedule that the builder wasnt happy with but Billy was able to get everything sorted quickly.

Philip
19 March 2023

Billy and the team at Mortgage choice Dapto have been beyond exceptional in helping us with our mortgage needs. He has provided us with great advice and direction to help the process run smoothly. The speed and communication has been brilliant and I will have no hesitation in recommending Billy and the mortgage choice dapto team to anyone needing their services.
Thank you for all the help

Bart
18 May 2022

You won't have a better broker at all, so honest, professional and easy to deal with. Thank you so much billy

Suhaib
17 April 2022

Billy and his team provided exceptional advice and customer service. They were readily available for all my enquiries regardless of the time, added a personal touch to our interactions, gave easy to understand advice and I felt they genuinely cared about me as an individual first home buyer. Thanks for holding my hand throughout this process and for ensuring I got the outcome I was hoping for.

Diana
17 April 2022

We felt extremely lucky to have found Billy as we have had some issues in the past with other brokers. Billy was friendly, professional and very knowledgeable and guided us from day one. This was our first venture into investing and Billy was there to answer all our questions and help guide us. We had a fantastic experience with Billy and would not hesitate to recommend him to anyone. We look very much forward to engaging his services again.

Mark
17 December 2021

Billy has been our broker for over ten years. Has always been fantastic at his job. Have recommended him to friends family they all agree Definitely the person you should see if you are looking to get any sort of loan

Anita
16 November 2021

We have used billy for over 10yrs. We highly recommend using him as your broker, for buying your first home or just unsure of what to do to get it all going. Thanks again billy.

Tone
16 November 2021

Billy and his assistant Nic helped me to find the perfect loan to suit my needs, They walked me through every step of the way and took allot of the weight off buying my first home.

Portia
16 November 2021

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You could borrow up to

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/ month
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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.

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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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Total fees:

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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.

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.