Multi Award Winning Brokers in Cronulla

Call: 02 9521 1611

Turn to our trustworthy team at Mortgage Choice in Cronulla. Our local knowledge and experience will help you cut through the noise so you can focus on your financial goals.

Call Us Mortgage Choice Sutherland
Office - 02 9521 1611
Fax - 02 9523 4422

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

Why Choose us?

• Because we're not just mortgage brokers...we're your solutions architects, committed to exploring every possible option for your situation to get you the loan and the lender that works best for you.

• Because any broker can get you into debt...but we want to help you get back out of it as quickly as possible. That's why we provide you with advice and annual pricing reviews throughout the length of your loan. If you can save money on your loan repayments, we'll let you know.

• Because we believe that ordinary Australians deserve... access to the know-how to create and grow their wealth. By providing regular education and financial advice, we can support you to find the best strategies to kick goals and live a life of abundance.

• Because we've been part of our clients' stories for almost 20 years. Whether you're searching for a nest, feathering it, or emptying it we've been invited into your lives to offer expertise, professionalism, and an excellent customer experience when you need it most.

• Because it's not just a home loan - it's a first home, an improved home, a new home, a holiday home, a commercial home, a home for elderly parents, a cosier home, an equity resource to facilitate family needs.

It's an investment property, a guarantee for your kid's first home, your SMSF nest egg. It's vehicle finance, asset finance, funding your new business, a personal loan.

It's access to the best expert advice on general insurance, protection for you and your assets, transition to retirement, estate planning, and wealth creation.

And you're not just a customer, you're the reason we do what we do.

You are our Why.

Don't look any further!

As your local mortgage brokers in Wollongong, we can help with:

First home buyer loans
Upgrading the family home
Refinancing for a better deal
All investment property loan needs
Bridging Finance
Reverse Mortgages
Mortgages through SMSFs
Car loans
Asset Finance for self-employed
Business Lending
Recommend a trusted Financial Advisor to ensure your assets are fully protected as you increase your debt.
Recommend a trusted Financial Advisor to discuss Building wealth and Wealth Management, Super, Transition to Retirement, and Estate Planning.

Get Started Today

Give Sarah a call on 02 9521 1611 or email her at admin.sutherland1@mortgagechoice.com.au

She's the boss of our brokers' calendars and she'll help you lock in a time for a call or Zoom.

In the meantime:

Check out our quick quote function below. It will give you a rough idea of your situation prior to a chat with our brokers.

Start your home loan journey today.

Mortgage Choice Sutherland Cronulla & Wollongong

has been helping clients for over 20 years. As a family-owned business, we take pride in our trusted reputation and strong relationships with our clients. With offices in Sutherland and Wollongong, we assist clients Australia-wide—and even those living overseas.

Our team is known for making the home loan process smoother by cutting through the red tape with a personal, human touch. We're flexible with appointment times to suit your needs and are committed to providing expert guidance every step of the way.

Let us help you make the right choice for your home loan.

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

Peter and his team where , Honest , reliable and went above and beyond to get the best result for me. The process was seamless, thanks to excellent communication, prompt responses, and professional service. Highly recommended

Brenton
24 March 2025

We worked very closely with Patrick Johnson annd his team and were so supported throughout our experience. Pat was there for us whenever we needed him, as first home buyers there were many nervous moments but with Pats guidance we successfully bought our first home Pat and all his team Diane, Harrison, Jovanni - were all fantastic and very informative. We never had a question unanswered. Great team work

Francesca
27 February 2025

From the point of my first enquiry TO the point of receiving my formal letter of approval, I received THE MOST OUTSTANDING EXCEPTIONAL service that I could ever have wished for by the team at Mortgage Choice Sutherland.
If I could give these brilliant humans more than a 5 star review, I would without any hesitation whatsoever. I can't imagine how the team could have done any better for me Pure brilli... read more

25 February 2025

Thank you so much to Paddy, Di and the team at Mortgage Choice for helping us secure our first home loan They were so diligent and explained the process so clearly that we were able to get an offer accepted within 3 weeks of our first meeting with Paddy. They knew exactly what they were doing with the first home buyer government schemes and helped us to secure them so easily despite our trepidation. We couldn't recommend them highly enough

Vin
11 February 2025

Very happy with the service my partner and I received, Diane guided us and kept us updated the whole process and was very friendly.

Bonnie
29 January 2025

Peter Johnson, Diane Gal and the rest of the mortgage choice team went above and beyond to secure a difficult refinance for us after our existing bank wouldnt help us extend an interest only loan term. They removed all the stress of the application and were able to use personal contacts to get us the refinance which we would not have been able to do alone Cannot recommend them enough.

Sydney
29 January 2025

Pat and his team did a great job. Absolute pleasure to work with and helped us with any questions we had a first home buyers.

Brendan
18 December 2024

Clear, punctual and exactly what we wanted.

Renee
16 December 2024

Clear, punctual and exactly what we wanted.

Renee
15 December 2024

Amazing customer service and great attention to detail

Judy
11 December 2024

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.

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.

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