Jim Demetriou

Mortgage Choice in Jannali Servicing Como, Sutherland, Menai, Sutherland Shire and Surrounds

Call: 0437 330 858

Gain The Benefit Of A Broker With Over 25 Years Banking and 10 Years Aa a Broker

Call Us Mortgage Choice Jannali
Mobile - 0437 330 858
Office - 02 9524 1456

Open Hours Mortgage Choice Jannali
Monday to Friday 9:00 am - 18:00 pm
Saturday 9:00 - 16:00
Sunday Closed
Free Appointment

Address

1/96-100 Railway Crescent JANNALI, NSW 2226

Latest home loan interest rates

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Start your home loan journey today

Speaking with other Shire brokers without success, I was fortunate enough to acquire Jim's services for our refinance. At times a complex process Jim provided the highest level of service you could possibly hope for and took all the stress and worry out of the process. Moving forward I wont be speaking to anyone else regarding finance. P. Waller, Bangor NSW

Mortgage Choice Jannali - Sutherland Shire is owned and managed by Jim Demetriou who brings a wealth of experienc, having had a finance career spanning 25 + years in retail, commercial and corporate banking. As a Sutherland Shire resident for over 20 year, Jim has a solid understanding of the local and broader Sydney property market.

Best Of All, We Do All This At No Cost To You !

To make an appointment, contact Mortgage Choice Jannali in Sutherland Shire by clicking on the "Contact us" link at the top of this page or call Office: 9524 1456 Jim Demetriou Mob: 0437 330 858.

The Process:

Initial Contact

As soon as you make contact with us we’ll take some brief initial details.

Free Consultation

A comprehensive consultation provided for free.

Completing All The Paperwork

We will do all the running around by completing all the paperwork.

Safe and Secure

Your information is private and confidential as per the Privacy Act 1988.

Keeping You In The Loop

We will provide you with updates on how your approval is progressing.

Mortgage Offer

A Mortgage Offer will be produced once all checks are completed.

Post Settlement

Our services continue after your loan settled e.g health checks or top up.

AU18+ only. Ends 6/12/24 11:59pm AEDT. Limit 1 entry per person. State/Territory prize groups: NSW/ACT, VIC/TAS, QLD, WA, SA/NT. T&Cs apply, see http://www.mortgagechoice.com.au/win-30k/ . Mortgage Choice Pty Ltd ACN 009 161 979 (Australian Credit Licence 382869) and Smartline Operations Pty Ltd ACN 086 467 727 (Australian Credit Licence 385325) are owned by REA Group Ltd.

As your Broker, we provide in-depth knowledge in a complex lending world, creating better outcomes for you.

Our Services

Home and Refinance Loans;

Cash Out for cars, renos or holidays;

Investment Loans;

Commercial Loans

Business Loans;

Pernonal Loans;

Cars Loans and Equipment Finance;

Leasing for Cars or Equipment;

At Mortgage Choice Jannali - Sutherland Shire we want to save you time, effort and most likely money. Home loans are so much more than just interest rates. We can explain the various subtleties of different loans which can make a big different to the bottom line.

We offer a professional, knowledgeable, efficient and ongoing service;

We provide access to over 35 lenders and 1,000's of products on offer;

We take you through the complete lending process, from submission to settlement and beyond;

Keeping you informed at every step of the way;

We ensure all your questions are understood and answered efficiently;

We go above and beyond to deliver something that is exceptional;

And, we don't process your loan overseas.

Servicing Suburbs including but not limited to Alfords Point, Bangor, Barden Ridge, Bonnet Bay, Como, Engadine, Grays Point, Heathcote, Illawong, Jannali, Kangaroo Point, Kareela, Kirrawee, Loftus, Lucas Heights, Menai, Oyster Bay, Sutherland, Sylvania, Sylvania Waters, Waterfall, Woronora, Woronora Heights, Yarrawarrah.

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

Highly recommend Jim - patient, thorough and took the time to make sure I understood processes and alot of the banking jargon that gets thrown around Have met with a few home loan executives at a different banks before that and found my options depended on whether I knew what to ask. Jim was open, genuine and helped me get a clear picture of possible scenarios so I felt equipped to make the right decision. It's a big decision, after all. Super appreciated - thank you

Michelle
16 September 2024

Jim is very professional and knows the finance business dealing with major lenders. Thank you for your efficiency and professionalism Jim.

Kathryn
30 August 2024

Jim has been a pleasure to deal with, extremely knowledgeable when drafting scenarios with lenders, and providing instant contact with the outcome. Jim was able to get us our desired loan amount so my partner and I could get our dream home in our dream location. We cant recommend him enough ?????

Steve
23 August 2024

Jim was very informative and his customer service was great, would recommend him.

Lee
23 August 2024

Jim is very helpful in the process of getting my refinance. Prompt response to any questions i had and processing my application is very fluid and hassle free. Highly recommended broker . Thank you Jim . Old fashioned excellent customer service More than 5 stars service

25 June 2024

Jim is very helpful in the process of getting my refinance. Prompt response to any questions i had and processing my application is very fluid and hassle free. Highly recommended broker . Thank you Jim . Old fashioned excellent customer service

29 May 2024

Jim is very knowledgeable and easy to communicate. We are very happy with his service and would definitely recommend him.

Alex
25 May 2024

Jim makes the complex and time consuming process of arranging finances very easy and efficient. Helpful, clear and concise and available to meet deadlines. Highly recommend.

Elissa
02 April 2024

Jim was super responsive and helpful finding the right mortgage for me. A pleasure to deal with someone who communicates so clearly and provides the utmost level of service which is a rarity these days. Thanks Jim

W
08 March 2024

Jim has consistently demonstrated his invaluable expertise in facilitating my real estate transactions. His professionalism, dedication, and profound knowledge of the market have ensured seamless and successful property acquisitions. I wholeheartedly recommend Jim for his exemplary service and look forward to working with him again on the next purchase.

Charlie
18 January 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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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.