Mortgage Broker Burnside, Magill & Glenside

Call: 0432 613 915

Cherry Ou is your mortgage broker in the Burnside, Magill and Glenside areas. Talk to her to get started on your home loan journey.

Call Us Mortgage Choice Dulwich
Office - 0432 613 915

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

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

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

Start your home loan journey today

Mortgage broker Burnside, Magill and Glenside

With years of experience in the finance and customer service sectors, Cherry Ou is well-equipped to guide you through your home loan journey. She knows home loans like the back of her hand, and is dedicated to providing you with personalised finance solutions that help you achieve your goals. Able to simplify difficult concepts into easy-to-understand explanations, Cherry takes the time to listen to your needs and answer all of your questions. Her practice is based on a foundation of mutual trust and reliable advice - you can count on her to have your best interests at heart.

Cherry is an animal lover, and when she’s not hard at work, she is a volunteer at the RSPCA Op Shop! She loves to contribute to making the world a better place through her actions helping animals. Fluent in Mandarin, English and Cantonese, Cherry can help support you no matter your circumstances. Get in touch with Cherry today to chat - she is always ready to help.

Home loan pre-approval

Pre-approval can be an extremely useful tool in your home-buying arsenal. While it’s not a compulsory requirement, it can provide you with a sense of budget security when you know how much your lender is willing to loan you. This in turn can help you refine your property search, offer confidently, and plan your finances. Pre-approval also helps the final financing process to be completed as smoothly and quickly as possible. It may even also provide you with an advantage when there are multiple offers on a property, as the seller can see that you are serious and ready to purchase! To start your pre-approval process, get in touch with Cherry Ou, your Mortgage Choice broker, today.

Cherry Ou is ready to help you succeed, just talk to her today

您好，我是 Mortgage Choice - Cherry，您的Mortgage Broker。我在金融和客服銷售領域擁有超過20年的豐富經驗，其中包括在 Citibank 銀行工作長達13年。

我的專業領域包括信用卡、個人貸款、房屋貸款以及財務規劃。在過去的職業生涯中，我培養了專業且負責的工作態度，致力於為客戶提供卓越的服務。我熱衷於與人交流，樂於解決客戶在金融領域遇到的各種問題。我的目標是通過專業知識和親切的溝通方式，為您提供最佳的貸款體驗。

除了專業技能，我深知每位客戶的需求獨特，因此我努力確保提供個性化的服務，以滿足您的具體要求。對我而言，與您建立互信關系並確保您對房屋貸款有清晰的了解至關重要。
期待有機會在您購置夢寐以求的首套房屋，或者是您的第 N 套投資房產時為您提供協助，並為您創造一個流暢愉悅的合作體驗！

We can also help you with

Calculating your stamp duty

Stamp duty for your property purchase will depend on the intended usage, your location, whether you are a first-time buyer, and the purchase price. There are lots of variables to consider, which is why it can seem confusing and difficult to budget into your deposit. Fortunately, you can get a better idea of how much stamp duty you will pay with our free online calculator tool. Try it out for yourself today.

Stamp duty calculator

Free moving home checklist

Moving house isn’t an easy process, especially if you have a large family to organise! With our handy downloadable checklist, you can check off everything you need to do in the lead up to your move to make sure you are as prepared as you need to be. Download it now to start planning.

Moving home checklist

Applying for your home loan

When you apply for a home loan, you will need to provide several documents, including identification and proof of your income and expenses. And as your mortgage broker, Cherry will take care of the rest! She will ensure that all of your files are ready to go and your paperwork is complete - you won’t have to lift a finger!

Call Cherry Ou today on 0432 613 915 to talk about your home loan needs

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

Ive had an excellent experience working with Cherry and Chen. Their professionalism, market knowledge, and clear communication have made all my transactions smooth and stress-free. They are always available to answer questions, provide valuable insights, and ensure that I make informed decisions. Highly recommend their services for anyone looking for a reliable and dedicated broker

Ellis
10 September 2024

Cherry was helpful and always there for help. I will definitely contact if I need further services in the future.

Chiu
13 August 2024

We are the first home buyer in Darwin. We really appreciated Cherry to help settle our beautiful home here. Looking for a broker who can be trustable and reliable is hard especially in Darwin until we met Cherry. She is patient, honest and knowledgeable. The most important thing is she never let you down. You can reach out to her 247 and always give update, although I do not suggest her to be like a mach... read more

Andy
17 May 2024

They were very friendly, patient, helpful and conscientious, and explained very clearly.

Gleny
19 March 2024

Cherry is an amazing broker. Even though she is in a different state, she still provide excellent customer service and support to me based on my availability. She is super friendly, nice, patient and professional, and the plans she provided are amazing too, with a lot of details and valuable information. The knowledge she has with the client-centerd approach makes her a real Angel. I am really looking forward to my future collaboration with this Angel. Thank you so much Cherry

Ellie
25 February 2024

Service is excellent, especially Cherry. She is incredibly patient, highly professional, and always considers the customers' needs. If you need to buy a house and apply for a loan, please contact Cherry. She is fantastic.

15 February 2024

Great service with patient, nice and lovely broker help us find best home loan.

12 February 2024

Great service along the way. Trustworthy agent

Summer
18 January 2024

再贷款指南

正在考虑再贷款吗？我们的指南为您介绍房贷再贷款的相关理由、费用和步骤。

Download now

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

PAYG Self Employed

My monthly income before tax

Rental income

My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

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.

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

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.

State / Territorial Revenue Web Sites

View

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

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.