Jane Vaughan

Jane Vaughan, Mortgage Broker, Inner West, Haberfield, Abbotsford, Concord, Croydon, Burwood & surrounds

Looking for a home loan? Talk to Jane Vaughan, your local Mortgage Choice broker in Haberfield, Concord, Abbotsford and surrounds. Let us research and compare more than 20 lenders for you.

Call Us Mortgage Choice Rozelle
Office - 0414 651 701
Fax - 02 8079 1186

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

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Start your home loan journey today

As your local Mortgage broker for Haberfield and surrounds I will provide you with access to a wide choice of lenders, including the major banks whilst doing all the legwork for you!
Found that dream home? Let me help you streamline the loan application process for you by preparing the paperwork, lodging that application for you and doing all the ongoing follow up on your behalf.
What matters to me is finding the loan that’s right for you.

Speak with me if you are:

• thinking about topping up your home loan;
• coming to the end of a fixed rate term;
• aiming to pay off your home sooner;
• looking to reduce or lock in your repayments;
• moving house;
• planning renovations; or
• considering buying an investment property

Inner West
Haberfield
Rozelle
Balmain
Concord
Burwood
Drummoyne
Abbotsford
Five Dock
Chiswick
Gladesville
Leichhardt

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Inner West, Haberfield, Abbotsford, Concord, Croydon, Burwood 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 Jane Vaughan to discuss your unique circumstances

Ready to kickstart your journey to home ownership?

We’ll assist you along the way and do all the legwork for you! Call Jane Vaughan today on 0414651701 or book a time to chat in my diary here

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

Jane and her team have been a pleasure to work with. Their professionalism, clear communication, and dedication make the entire process smooth and stress-free. They are always responsive, addressing any questions or concerns with expertise and care. I truly appreciate the ongoing support and partnership Jane and her team provide, and I highly recommend them to anyone in need of a mortgage broker who is committed to their clients' success

Lenka
18 September 2024

We wanted to thank you, Jane, and your entire team at Mortgage Choice for the exceptional service we received with our loan consolidation the process was so easy and seamless Jane is an amazing person to deal with, and from start to finish, so professional, attentive, and went above and beyond to meet our needs. Your attention to all the details and your commitment made all the difference, and we cou... read more

Debra
08 September 2024

Our experiences with Jane and her team over the past few years have been exceptional. Their professionalism, expertise and knowledge are second to none. We have, and always will recommend Jane to family and friends and will continue to engage their services for years to come.

Heidi
28 August 2024

I recently purchased my first home with Jane as my mortgage broker. As someone who wasn't familiar with this process, I knew from my very first conversation with Jane that I was in great hands. Jane and her team are knowledgable, efficient, patient, dedicated and the most lovely people to work with. They kept me updated every step of the way, and are always happy to assist and answer my millions of qu... read more

Alice
01 August 2024

Jane did an outstanding job facilitating the home loan for my investment property. She went above and beyond to get me the best possible package. Her communication was top-notch, and she demonstrated great knowledge about the industry. Highly recommended

Christian
24 July 2024

We have used Mortgage Choice for a few refinancing now. Have used a few brokers previously but Jane and her team services surpass all our previous brokers we have used.
They make the process as convenient as possible and get you the best deal that tailor to your needs.
Highly recommend Mortgage Choice to anyone looking for a broker.

12 July 2024

Jane and her team are fantastic. Always available and supportive, highly recommended.

Daniela
09 July 2024

We recently purchased our first home with the help of Jane and her team and highly recommend them. Ours was a long stop-start journey over four years and across two states due to changing circumstances and each time we reached out, Jane was responsive, efficient and incredibly helpful. The team work hard and seem to always be on top of the market and lenders current situation. They were incredibly pat... read more

Jedda
06 July 2024

Jane Vaughan is the BEST. Jane went above and beyond to help find the best mortgage for me. Jane was an absolute lifesaver and I highly recommend her. I would give Jane 10 stars if I could. Thank you Jane I am very grateful for everything you did for me.

s
01 July 2024

Jane is my mortgage broker and provided me with excellent service, and I would highly recommend her to anyone after a home loan. She is highly knowledgeable, very patient and in particular if you are a first home buyer, you will be in great hands and such a lovely person. She was happy to speak with us numerous times before we were ready to proceed and answered all of our questions with no expectation... read more

Onur
24 June 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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2nd Applicant

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2nd applicant monthly rental income before tax

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2nd applicant monthly other 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.

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

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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

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First Home Buyer?

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Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
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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.

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