Lynne Porter

Lynne Porter, Northern Rivers home loan specialist for Ballina, Byron Bay, Lismore and surrounding areas

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Call 0408 677 369

Looking for a home loan? Talk to Lynne Porter, your local Mortgage Choice broker from Ballina. Let us research and compare more than 20 lenders for you

Call Us Mortgage Choice Ballina
Office - 0408 677 369
Fax - 02 4744 3600

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

Address

PO Box 652 BALLINA, NSW 2478

Start your home loan journey today

With hundreds of home loan products available, it can be both difficult and time consuming to find the home loan that's right for you. And because your needs and circumstances are unique to you, it's essential that your home loan solution is tailored just for you. As your mortgage broker, I promise to listen to your needs, to understand your requirements, and to make your home loan decision a simple choice.

With me, you receive honest and professional home loan advice from a broker who

is a successful property investor
has built her own home more than once
has built investment properties
has many years experience as an accountant and tax agent
has worked for a major bank
has implemented new software and systems for a financial organization, and
is also a mathematician

So I am truly able to understand and relate to your situation.

I love to make a positive difference wherever I can so I will always 'go the extra mile' for you. And I also pride myself on providing excellent customer service. I promise a friendly and professional mortgage broking service at a time and place that suits you.

As your local home loan specialist in Ballina I can help you with all your home loan needs, including loans for:

First home buyers and next home buyers
Investment properties
Vacant land and/or construction
Refinancing and debt consolidation
Renovators and self employed people
Bridging loans
Reverse mortgages
Commercial lending
Equipment and vehicle leasing

When you make an appointment with me, you receive a FREE Comparative Market Analysis report on a property you are interested in when you apply for a home loan and request a report.

I can also assist you with Deposit Bonds, your First Home Owners Grant, and more.

I will make the whole home loan process, including the paperwork, as simple as possible for you. I'll do the running around, the research and comparisons for you, thus saving you the time and hassle involved in finding the right home loan. And I will be there for you the whole way, even after your loan goes through. You don't even have to leave home. Now that's convenient!

At Mortgage Choice 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 your broker may charge a fee, which would be discussed with you before proceeding..

For a mortgage broker with an exceptional customer satisfaction record, call Lynne on 0408 677 369

I look forward to helping you realise your property dreams sooner!

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

I have been through 3 applications for home loans
- A bank
- A broker
- Lynne at mortgage choice

Lynne has been by far the most diligent, knowledgeable and efficient by a country mile. Her experience in the industry and connections with lenders enables her to gather the best possible product for her clients.

I will be using her services for as long as she remains in business.

Our family cannot thank you enough, Lynne.

Jake
26 November 2023

Lynne provided us with very professional mortgage broker services She was knowledgeable and able to give us expert advice. She went above and beyond and helped us to secure a loan when all other banks failed. She was excellent and efficient in her communication. We were really happy to work with her and appreciated all her endeavours Highly recommended Best regards

Zhou
23 November 2023

Lynne was very helpful and committed to assisting us with our loan. We were very happy with her service.

Robyn
21 July 2023

Lynne has helped us for the past 2 years with our home loan. It was a very complex and dynamic situation and our financing needs evolved over time. Lynne is extremely knowledgeable about her craft and she has great communication, I always felt in the loop and always felt I could ask her any question. I would highly recommend Lynne to anyone looking to secure financing. Thank you Lynne for all that you have done to help us secure our home

Ally
27 November 2022

I've used Lynne for almost 15 years now and wouldn't go anywhere else She's patient, accurate, and quick. As usual Lynne kept me up to date through the whole process and made it very easy for me. Couldn't recommend her enough, amazing

Tamara
24 May 2022

Lynne is the most communicative, conscientious, diligent and caring broker you will ever meet. She helped us a lot and made sure that we are informed and we understood every steps of the loan application process. Thank you, Lynne. Kudos

carmela
24 May 2022

Recommended with HONOURS. Thorough, diligent, incredibly meticulous with an eye for detail, Lynne has successfully completed 4 home loan applications for our family and always provided us with outstanding professional choices and service. She is second to none in the mortgage field. Her communication and confidence are exceptional. Thank you Lynne as always.

kylie
23 April 2022

Lynne is a fantastic mortgage broker. She is very experienced in her field and was efficient when it came down to the crunch. We couldn't recommend her services more.

Byron
23 September 2021

Lynne is very hard working and great at her job
No job is too big or too small.
So helpfull and knowledgeable in her field, we highly recommend her services to any onyone who needs any type of financial services.
Thanks Lynne

Wade
23 June 2021

Lynne was super helpful and patient the whole way along. Being a first home buyer the process seemed a little daunting but Lynne was just great and everything went very smoothly.

Alison
23 June 2021

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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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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Monthly income

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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

Type of property

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.

Click here for more information on the WA First home Owner Grant.