Expert home loan advice for Purchase or Refinance

Call: 0404 666 639

Expert home loan advice. Looking for a home loan? Talk to Donna Zammit, your local Mortgage Choice broker on 0404-666-639 or donna.zammit@mortgagechoice.com.au.

Call Us Mortgage Choice Narooma
Office - 0404 666 639

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

No matter where you are, we can provide you with professional advice on your home loan.

As your local Riverina and Snowy Mountains Mortgage Choice broker, we have assisted hundreds of families and individuals with their property goals, including first home buyers, upgraders, first time and experienced property investors, as well as those who are looking to refinance their home loan.

Donna is a home loan specialist, eager to share her expertise to help you better understand the home loan process. We are ready to make your property dreams come true!

We take the time and hassle out of shopping around for a home loan and guide you through the process to help you make better choices with your finances.

Find out how much you can borrow or what your repayments might be with our handy mortgage calculators.

Think Outside The Square
It's important to know that we can help you with access wit hundreds of different loan options. For example,

If you've been knocked back by a bank, it doesn't mean that every bank will decline you
Some of our lenders don't require 5% genuine savings
Using a Guarantor will avoid the need for Genuine Savings
If you have any bad debts, we can recommend someone to assist cleaning up your CRAA Report, giving you access to more lenders

Our Mortgage Choice office has been servicing the Riverina and Snowy Mountains area since 2006, so if you are after local expertise, then give us a call on 1300 591 950 or 0404 666 639 or (02) 6456 2627.

Not sure where to start? email any questions to donna.robson@mortgagechoice.com.au

AU18+ only. Ends 6/12/24 11:59pm AEDT. Limit 1 entry per person. State/Territory prize groups: NSW/ACT, VIC/TAS, QLD, WA, SA/NT. T&Cs apply, see http://www.mortgagechoice.com.au/win-30k/. Mortgage Choice Pty Ltd ACN 009 161 979 (Australian Credit Licence 382869) and Smartline Operations Pty Ltd ACN 086 467 727 (Australian Credit Licence 385325) are owned by REA Group Ltd.

Did you know we also can help you with:

Compare Lenders - we take the time to compare what is on offer from all the lenders for you, with more than 20 Lenders & over 300 loans.

What makes us different?

At Mortgage Choice Riverina and Snowy Mountains, we don’t charge to find the right loan for you. We are paid by the lender once your loan settles. In some limited circumstances we may charge a fee, which would be discussed with you before proceeding.

We love helping our clients, no matter where they are! If you would like a home loan expert in your corner, then reach out to our team on (02) 6456 2627 or donna.robson@mortgagechoice.com.au.

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

Donna provided so much support and constantly advocated for us, ensuring we were able to secure the best loan. As first home buyers, the process seemed a little daunting. But Donna was so patient and professional, and made the entire process seamless and as stress-free as possible. I highly recommend Donna and her services

Millie
20 March 2024

Our recent experience with Donna was exceptional, especially considering that this was our first home purchase, and we weren't quite sure what to expect. Donna's professionalism and dedication truly stood out throughout the entire process.

I was particularly impressed with Donna's ability to provide us with a multitude of loan options that suited our needs, especially given that we used a government... read more

Jodie
08 December 2023

Thank you so much Donna,
Nicole and I really appreciate everything you've done for us. Your dedication, long hours of availability, wealth of knowledge and expert advice, service, attention to detail and personal touch is rarely discovered in your field in the one person.
We will soon be considering our next purchase and seaking advise on the matter as well as looking for a good accountant lol . We will look no further than you at least as far as Mortgages go anyway.

Matt
16 November 2022

Donna is awesome - great broker, knows her stuff - supportive, experienced and made my dreams a reality Cannot speak highly enough of Donna, her time, effort and understanding.

Cherie
17 October 2022

Donna has assisted us on more than one occasion. She has enabled us to get the best out of our home loan. We have no hesitation in recommending her when it comes to her knowledge, service and skills.

Jane
21 September 2022

Donna, you have done an amazing job working through everything for us and we are in the home of our dreams. Every night after Bryan has been in his man cave ), he says I really love this house & I agree & you were the one who made it all possible for us. So thank you for being so persistent and understanding. We will never go through a bank again
You are STUCK WITH US for LIFE

Bryan and Mandy
16 December 2017

Refinancing guide

If you’re thinking about refinancing, this guide can help you learn more about the refinancing process, benefits and options available.

Download now

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2nd applicant monthly rental income before tax

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You could borrow up to

Repayments
/ month
Expenses
Remaining

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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Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

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.

Value of property

State

Property use

Type of dwelling

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First Home Buyer?

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Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

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.