Matthew Hayes

Mortgage Broker Rising Star Finalist Matthew Hayes and his team in Manuka ACT

Call: 02 6239 4215

Need help with your finances? Talk to Matthew and the team in Manuka for help with all your financing needs.

Call Us Mortgage Choice Manuka
Office - 02 6239 4215

Open Hours Mortgage Choice Manuka
Monday - Friday 8:30am-4:30pm
After Hours via Appointment
Free Appointment

Address

25 Murray Crescent MANUKA, ACT 2603

Latest home loan interest rates

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Comparison rate

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Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

Our top 5 lowest interest rates available

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Comparison Rate

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Comparison Rate

Credit criteria, conditions, fees and charges apply. Subject to suitability. The comparison rates in this table are based on a loan amount of $150,000 and a term of 25 years. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

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Start your home loan journey today

At Mortgage Choice Manuka our mission is to achieve great customer service, through lender, and property knowledge, and strong industry relationships. We pride ourselves on a educated but engaged approach to the standard Mortgage Broker.

Mortgage Choice Manuka is proudly owned and operated By Matthew Hayes who has been a Canberra Local all his life. Matthew's team is confident, educated and knowledgeable, we want to build a long lasting relationship with all clients. We will provide you a tailored service that others simply can’t match.

Our Office is conveniently located at Manuka Shops.

25 Murray crescent
Manuka ACT 2603

Home Loans

Looking at buying a home or refinancing? Talk to us today about finding the right loan for you. With our award winning team, dedication to customer service and access to over 20 lenders, let us do the leg work for you.

We offer more than the average mortgage broker. We genuinely want our customer to have an enjoyable experience from the time they make first contact to when they discharge their loan. Our aim is to make the process of getting a home loan, or refinancing an existing loan as easy and stress free as possible, while also working to find the best deal.

Investment Loans

Mortgage Choice Manuka understands that investment loans are different to owner-occupied loans. We can work with your Accountant or Financial Planner to best work towards your investment goals. We have a wide offering of loan products which will be tailored to your investment needs.

We offer our Investor clients a complimentary yearly review service as keeping on top of Investment Loans can be the difference between a good and bad investment.

When first moving in to the Investor Market having a core strategy and plan is pivotal. We can assist you with all your finance questions and loan structures.

Construction Loans

Building your home may sound hard, but at Mortgage Choice Manuka we simplify the process and show you step by step it's really not that hard at all.

Construction loans make it possible to build a home when you might otherwise be unable to do so. Building a home can be a great experience if you want to design something unique or specific to your needs and the needs of your family, or for investment purposes.

With a construction loan, you can break up the draw down of the loan amount into progressive draws which parallel the construction phases. As one phase of the construction is complete, you are able to draw down the next portion of the loan. This means that interest is only being calculated on that amount which has been physically drawn down, and this way you are only making repayments on the portion you have used. When construction is complete, you can nominate which product or loan type your loan reverts to.

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

Matthew Hayes was so helpful and was a great communicator through the whole process of getting finance for our property. I highly recommend his services

Lauren
07 July 2024

Thank you to Matthew and his team for all their help during the process of buying our first home. Matthew kept us fully informed throughout the entire process and made sure we were able to the schemes available. Matthew was so easy to deal with. He responded to very phone call or email so quickly and showed great patience whilst we got all our duck in a row. Matthew and his team ensured the process w... read more

Olivia
05 July 2024

We worked with Jack on a super tight deadline of achieving a home loan before the FY ended as we wanted to qualify for the first buyer grants and be in a home as soon as possible. Not only did Jack come through and work the miracle, he was upfront and honest about why we would be best going with certain providers over others. Once we found a home to purchase, he hustled to get the full approval sorte... read more

Nikita
03 July 2024

Cant rate Matthew at Mortgage Choice in Manuka highly enough for his advice and support with refinancing and getting a new loan. Great service and experience in both investment and residential loans.

Neil
01 July 2024

Matthew and his team are amazing. I was looking for a specific property in a limited market. They were informative and extremely supportive. It took me a while but they stuck with me until I found the property I needed. You cannot go past this amazing brokerage team. I am forever thankful.

mary
13 June 2024

Matthew and the team are fantastic Very easy to work with and excellent communicators as they guided my partner and I through the whole process of securing a mortgage from start to finish.
I particularly appreciated Matthew's efforts in finding us a lender who would take into account variable incomes as that boosted our borrowing ability.
Overall, a great business to work with and have no hesitation in recommending them to family and friends.

Greg
10 June 2024

Jack has been wonderful throughout the process. He gives updates as necessary and helped us find the best loan deal. Definitely will recommend

Car
08 May 2024

Matt is extremely knowledgeable and made the entire end-to-end lending process extremely easy. With a last minute change in lending criteria, Matt was able to pivot and secure another lending option which remained well-suited to our financial requirements.

Thanks again for the assistance, Matt

Brody
01 May 2024

Jack from mortgage choice was fantastic from start to finish of our first home loan
He was responsive and very easy to deal with
I highly recommend him to anyone looking to use a broker

Thanks again Jack,
Aidan and Charlotte

Aidan
29 April 2024

Matt and the team were super helpful throughout the entire process. They were reliable and efficient and I highly recommend.

Bianca
12 March 2024

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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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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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.

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