Your local mortgage broker for Wagga Wagga and the Riverina District

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Call: 0427 771 895

Looking for a home loan? Talk to Jade Freeburn, your local Mortgage Choice broker from Wagga Wagga, NSW and servicing the Riverina. Let us research and compare with more than 20 lenders for you. Best of all - my service doesn't cost you anything!

Call Us Mortgage Choice Wagga Wagga
Office - 0427 771 895

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

Address

231a Edward Street WAGGA WAGGA, NSW 2650

At Mortgage Choice Wagga Wagga we are there to help with your finance requirements.

I am a mobile Mortgage Broker and where possible will meet with you at a time and location that suits you. This can be at your home, office or a quiet corner in your favourite coffee shop. On the other hand, it may be more convenient for you to attend my office located at 231a Edward Street Wagga Wagga (on the corner of Murray Street).

How can I help you?

Whether you are buying your first home, refinancing or investing, as your local Wagga Wagga Mortgage Choice broker, I can help you throughout the whole journey.

We can take the time and hassle out of shopping around for the right home loan and guide you through the home buying process with expert advice.

With access to hundreds of loans from a wide choice of lenders, including Australia’s big banks and a selection of specialist lenders, we're confident in finding all of our clients the right finance option for them.

Figure out how much you could borrow for your next property with our home loan borrowing calculator.

Why use a mortgage broker?

There is a maze of information about home loans out there and the choices can be difficult and confusing and that's where we can help. As your local mortgage broker in Wagga Wagga, I will guide you through the home loan process, submit the application on your behalf and of course keep you up to date along the way.

We love a chat so please give us a call to discuss your requirements and any queries you may have about the videos. We look forward to helping you.

Call me today on 02 69717002 or mobile 0427 771 895 or simply click on the 'contact us' link above.

We can also help you with:

Why choose Mortgage Choice?

Mortgage Choice Wagga Wagga does not have ties to any particular lender so you can be assured my emphasis is on helping you with professional home loan advice. By providing a high level of service my aim is to build a strong working relationship with you now and for your future requirements.

Plus, 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.

If you're ready to speak with a home loan expert about your situation, then reach out to our team from Mortgage Choice Wagga Wagga today. Call Jade Freeburn on 0427 771 895 or 02 69717002

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

Jade and Raylene have been so helpful in getting my family a beautiful new home. They made the process easy, quick and worth it I recommend them to anyone trying to obtain finance when buying a house. Thank you Jade and Raylene

Vanessa
03 December 2023

We cannot recommend Jade and Raylene enough for their amazing work. So professional and understanding. Clear communication and everything completed in a timely manner.

Jason
01 March 2023

Jade at mortgage choice has been contactable, responsive made purchasing a property stress free seemless Thank you so much for all your assistance in securing our forever home

Amelia
17 April 2022

Thank you Jade Raylene for your assistance in purchasing our new home. Your reliability and service was second to none. What is normally a stressful process was uncomplicated and we could rest easy knowing you had our best interests at front of mind.

Toneale
15 February 2022

For anyone wanting to get finance or like me, is new to the housing market and is a little intimidated by it I can not recommend Jade and Raylene at mortgage choice in Wagga highly enough
Always professional and extremely friendly. Was able to explain things to me in a way I could understand and were just an absolute delight to work with
Even going as far as working around my crazy work schedule and... read more

17 December 2021

There are not enough stars in the world to rate Jade and the team at Mortgage choice Wagga Wagga. We first contacted Jade over 4 years ago with our unique lending situation. Throughout this time Jade has been relentless and never gave up on securing a construction loan for us. We trusted Jade's knowledge and advice and now our dream is becoming a reality. We cannot thank him enough.

Michael
17 December 2021

What an amazing job Jade and Raylene have done to help me secure a loan for my new home. I couldn't say enough wonderful things about this team Jade went out of his way over the last 12 months or so helping me out with any questions i had while looking for my forever home.
I 100 recommend anyone who is needing any help in this area to give Mortgage Choice Wagga a call. With me working full time, livi... read more

Kerrie
17 July 2021

Refinancing can be a long process especially in 2020 .Jade and Raylene at Mortgage choice were efficient and kind,
Our family achieved our goal with the help of mortgage choice Thankyou Jade and Raylene .

holly
17 July 2021

Jade helped us with a complicated purchase which he made easy. He was quick to respond and really knew how to get us what we needed. I would highly recommend Jade Freeburn Mortgage Choice Wagga Wagga.

Megan
17 July 2020

I would highly recommend Jade Freeburn from Mortgage Choice Wagga Wagga He is professional and extremely responsive. Jade is always happy to answer any questions I have and will go above and beyond.

Kristen
17 July 2020

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.

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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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You may borrow up to

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Over

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

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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.

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First Home Buyer?

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Total fees:

Breakdown	Amount
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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.