Need help with your lending needs but don't know where to start? Start with Stephan from Mortgage Choice Thornton. He can help with Home loans, Car & Equipment finance, financial advice + more.
-
Call Us
Mortgage Choice Thornton
- Office - 0431 391 870
- Fax - 02 4332 0776
-
Open Hours
Mortgage Choice Thornton
-
Monday - Friday: 9:00am - 5:00pm
After hours by appointment - Free Appointment
Address
200 Somerset Drive THORNTON, NSW 2322
-
Call Us
Mortgage Choice Thornton
- Office - 0431 391 870
-
Open Hours
Mortgage Choice Thornton
-
Monday - Friday: 9:00am - 5:00pm
After hours by appointment - Free Appointment
Address
Unit 2, 11 Glenwood Drive THORNTON, NSW 2322
Hi I'm Stephan, your local Mortgage Broker from Mortgage Choice Thornton.
Everyday I help people get their foot into the property ladder, find a better deal on their home loan or even build their investment portfolio.
So whether you are a first home buyer, looking to invest, renovate, upsize or downsize I can help by assessing your situation and developing a plan to move towards achieving your property goals.
My job is to take the stress out of finding the right finance for you. What's more, I don’t charge to find the right loan for you. I am paid by the lender once your loan settles.
There are some limited circumstances where I may charge a fee, which would be discussed with you before proceeding.
So why not come in for a chat or give me a call and let's get started today.
What's next?
Book an initial phone call here
Use our calculator to compare home loans
Check today's lowest interest rates
Client reviews
Stephan is the best mortgage broker in town. He explained many things about home loans that I didn't know. If you're looking for someone to help you with your mortgage, don't hesitate to contact him.
Alex
15 November 2024
Stephan is very knowledgeable and his main priority is the best possible result for his client, he weighs up short and long term costs to save you the most, as he said to me its not always about the cheapest interest rate fees need to be checked too
Alex
25 October 2024
I found Stephan by chance when googling mortgage brokers in my local area.
And I am so glad I did
Stephan listened to me and worked with me to get me into my first home as a single mum with no stress or complications in what was a very stressful time.
He made the whole process easy, transparent and timely. Whenever I had questions or concerns he was always ready to answer me and explain everything s... read moreKristie
06 August 2024
Stephan was an absolute pleasure to deal with even when my wife and I had SO many questions. Made our first-home buying experience a genuine breeze Would have no hesitation in recommending him to anyone.
Jared
30 July 2024
Stephan recently helped my fiancé and I buy our first home. Stephan was so helpful throughout the whole process and made sure that we were well informed. He was great at answering all of our questions and easing the stress that comes with buying a house. We highly recommend Stephan as a mortgage broker and we will have no hesitation using him again in the future.
Sarah
03 April 2024
Stephan was fabulous from start to finsh. He helped me through a very stressful situation with ease. Nothing was ever a problem, and Stephan was always quick to respond to any questions. Highly recommened Thanks Stephan
Mel
24 February 2024
Dealing with Stephan has made the process of buying my first home much less stressful than I imagined. Stephan was very informative and professional whilst also upholding a friendly disposition.
Chloe
14 February 2024
Stephan was helpful every step of the way. From helping us choose the best home loan for us through to liaising with the financial institution to get our loan settled quickly. He explained what was required of us throughout the process and kept us informed of the steps that lay ahead.
Robert
07 December 2023
Stephan helped us get our home loan over the line with little to no fuss and made sure to check in with us to see how we have settled in down the track. He also managed to get a rate reduction on our smaller loan that we were very happy about and would definitely recommend mortgage choice and Stephan.
Matt
06 November 2023
Great customer service, Stephan has a meticulous attention to detail and always looking after the client as 1 Highly recommend
Joshua
01 November 2023
Help me calculate
How much can I borrow
Home loan repayment calculator
Stamp duty calculator
$
$
You could borrow up to
-
Repayments/ month
-
Expenses
-
Remaining
Based on standard variable rate over years.
Start the pre-approval process
Talk to a broker
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
Monthly income
Expenses
You may borrow up to
$
$
$
-
Your monthly repayments
-
Total loan repayments:
-
Total interest charged:
There's a lot to consider when choosing the right loan.
Talk to a broker
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.
Total fees:
| Breakdown | Amount |
| Stamp duty on property | |
| Transfer fee | |
| Mortgage registration fee |
Need help with your next home purchase?
Talk to a brokerExtra 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.
