Tracey Peters

Tracey Peters Mortgage Broker Belmont, Newcastle, Lake Macquarie and surrounding areas

Call 02 4945 9409

Looking for a home loan? Talk to Tracey Peters, your local Mortgage Choice broker from Belmont. Let us research and compare more than 25 lenders for you.

Call Us Mortgage Choice Belmont
Office - 02 4945 9409

Open Hours Mortgage Choice Belmont
9am-5pm Monday to Friday
Free Appointment

Address

604 Pacific Highway BELMONT, NSW 2280

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Our Mission

We are an exceptional team that provides an in-depth service to help our clients achieve their finacial goals.

We use our knowledge and experience to make the complex simple, educating our clients to achieve what they didn't think was possible.

To arrange an appointment at a time and place convenient to you please call us on 02 4945 9409 or drop into our office located at 604 Pacific Hwy, Belmont NSW.

Start your home loan journey today

This experience and expertise allow us to help you to achieve your financial goals. We offer a full range of financial services, which include:-

Home Loans
Car Loans
First Home Buyers
Refinancing
Property Investment
Risk & General Insurance
Equipment Finance & Leasing
Business Lending

We are able to tailor these products to your specific needs and circumstances, which ensures you get the outcome you are looking for and feel comfortable in your choices.

Why choose Mortgage Choice Belmont?

Did you know our home loan service is at no charge to our customers because the lenders pay us a commission after your home loan settles, so you get all of our expertise at no cost to you!

Want to find out more? Check out our Home loan resources!

We have a range of home loan resources to help you through your home buying journey. Check them out below!

If you're ready to speak with a home loan expert, call our office on 02 4945 9409.

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

Cienna and the rest of the team were always easily accessible and provided constant updates while getting my home loan approved ASAP which made the process so much easier.

Brody
12 July 2024

I have been looked after by the wonderful team at Mortgage Choice, Belmont for a number of years. Tracey and her team are always professional and offer great advice and fantastic support. Absolute thumbs up from me Highly recommend for any loan, small or large. Cannot thank them enough. Fantastic

Tania
27 June 2024

Always a pleasure dealing with Tracey and the team. Always professional , friendly and very helpful .

Therese
21 June 2024

The whole team was amazing at showing us all options and walking us through the process of our getting a mortgage for our first home. Cienna was so quick to reply to all of our enquiries and answered all of our questions throughout the process.
Highly recommended

Tayla
18 June 2024

Tracey the team at Mortgage Choice Belmont could not be more helpful in getting me a home loan. Absolutely fantastic service.

The
15 June 2024

Tracey and her team are amazing they all go above and beyond. Would highly recommend Mortgage Choice Belmont for all lending needs

M
11 June 2024

Tracey and her team was great. Would recommend them any day very helpful nothing was bother. Thanks so much regards David

tonia
29 May 2024

Cienna, Tracey and the team have been nothing but helpful. They have guided us through getting our first mortgage and have been fantastic to deal with. We cannot recommend them more. Thankyou very much

Ben
15 May 2024

Tracey and her team was amazing to deal with. So quick to reply to all my questions and kept me updated throughout the process. Would highly recommend.

Rachael
03 May 2024

Tracey her team make a daunting process very smooth easy. I cannot recommend them more, very professional efficient.

rebecca
01 May 2024

Refinancing guide

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

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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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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.