Steven Nestor & Laurice Quigley Mortgage Brokers in Stirling, Perth & surrounds

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Call: 0412 956 738

The team at Mortgage Choice Stirling have been serving Perth Northern Suburbs since 2006. Steven and Laurice work hard to offer superior customer service with a mobile home service to make the lending process as easy and convenient as possible. Together, they bring an incredible wealth of knowledge across finance and lending to their clients and can assist with a huge range of borrowing needs.

Call Us Mortgage Choice Mullaloo
Office - 0412 956 738

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

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Other areas we service

This professional and motivated team offer a cohesive, end-to-end service, guiding you through each step from preliminary advice right through to settlement. Their aim is to help you find the right mortgage without any stress or hassle.

Based in Stirling, they offer a mobile service across Perth.

Start your home loan journey today

Ready to kickstart your journey to homeownership?

We’ll assist you along the way and do all the legwork for you! Call us today on 08 9349 6722.

Services

Putting your best interest front and centre, Laurice and Steven have the experience and expertise to develop loan solutions that are optimised to your personal circumstances and financial goals.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Bridging loans
Personal Loans
Car and asset finance
Commercial property finance
Business loans

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Stirling, Joondalup, Morley, Perth and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with us to discuss your unique circumstances.

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

As first time buyers Steven was very helpful and patient, explaining the process and keeping us informed along the way

Sara
12 March 2016

Laurice was so professional and kind. I was super anxious and did not understand mortgages but she took time to explain everything. We have secured our dream home thanks to her guidance

Natalie
29 January 2024

We cannot recommend Steve from Mortgage Choice enough. He guided us through every step of the mortgage process and made sure we were informed and knew our options. His communication was excellent and he fought for the best possible outcomes for us. Its great to have someone in your corner advocating for you when dealing with all the different parties. Really happy with his services.

Luc
02 December 2023

5 stars for Steve and Laurice. They took the hassle out of dealing with the banks. Finance approved and property settled smoothly. Can highly recommend

George
03 July 2023

I would 100 recommend Laurice from mortgage choice. As a first home buyer, gaining finance for your first home can be very stressful. Laurice made the process seamless and gave me a realistic view of my finance options, especially with the ongoing interest rate changes. She ensured to take full advantage of any schemes available and was always there to answer any questions I had. Laurice is an amazing broker for anyone looking to purchase their first home

Luke
17 June 2023

Very good service, thanks.

Changya
07 February 2023

Manuel l

Manuel
17 December 2022

I would highly recommend Smartline Stirling to anyone who requires assistance in applying for and obtaining a mortgage. Steve Nestor has helped me with two new home loan applications and a refinance over the past 6 years and each time he was incredibly effective in achieving the desired result for me.

Timothy
07 July 2022

Steve was very professional and provided excellent service. He did everything to make the process smooth and stress free. Would highly recommend Steve and the smartline team.

Callum
05 July 2022

Steven and Laurice were once again great to deal with. Always available for contact if I had any queries and were able to present several very competitive loans

Jack
08 June 2022

Steve was very thorough and understanding with my needs and accommodated my loan to my satisfaction. Found Steve very approachable and reliable

Highly recommend

Roberto
06 June 2022

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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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.

State / Territorial Revenue Web Sites

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Steven Nestor & Laurice Quigley Mortgage Brokers in Stirling, Perth & surrounds

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

Other areas we service

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

Ready to kickstart your journey to homeownership?

Services

Check your borrowing capacity

The right home loan for your needs

Client reviews

Refinancing guide

Help me calculate

Home loan repayment calculator

Achieve savings target calculator

Stamp duty calculator

Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

State / Territorial Revenue Web Sites

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