Mortgage Brokers in Wollongong, Corrimal, Thirroul and surrounding areas

Call: 0425 320 750

Do you need a top rated Mortgage Broker? Talk to Dale Bannerman, your local Mortgage Choice broker from Corrimal, NSW. Get in touch with our team to discuss your home loan requirements.

Call Us Mortgage Choice Corrimal
Office - 0425 320 750

Open Hours Mortgage Choice Corrimal
Office hours 10 - 4pm and after hours by appointment
Free Appointment

Address

4/104 Railway Street CORRIMAL, NSW 2518

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Top Rated Mortgage Broker in the Wollongong area

As a Mortgage Broker, I have access to a wide panel of lenders and over 300 products which ensures I am able to provide the product to best suit your needs. Whether you are purchasing your First Home, Upgrading , Refinancing or Purchasing an Investment property I will be able to help your navigate the jungle of home loan options with confidence.

Our exclusive Morgtage Choice software and principles ensure that I identify the most suitable solution to you. I live locally, own my own home and an investment property.

I put great value on the service I am able to provide to my clients and I see you as being my client for life working with you to achieve your financial goals.

Email Dale Bannerman

Want more information about the home loan process?

Our free property guides are packed full of information to help you navigate the process. If you're ready to lower your mortgage repayments or purchase a new property then you will find our guides extremely helpful.

Download your copy for free here!

Ready to get started? Call Dale on 0425 320 750 or "click" the contact us button to discuss your home loan requirements.

Mortgage Broker Dale Bannerman can help you with:

What do you need to prepare a home loan application?

Why should you choose us when organising your next home loan?

You can be confident that our recommendation is 100% based on the right outcome for your situation.

This is different to banks who will only push their own products. With us, this is not the case! Our mission is to see every homeowner and investor with the most competitive deal.

The best thing about using a Mortgage Choice broker is that through us, you have access to hundreds of home loans from over 20 lenders, including all the big banks and a range of specialist lenders.

To arrange an appointment please call Dale Bannerman 0425 320 750.

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

Dale goes above and beyond for her customers. As first home buyers we were completely green but her and her team were patient, honest and guided us through the process. She is completely approachable and weve always felt informed and shes checked in to make sure were understanding an often confusing process. Shes also always happy to listen our ideas and to really push for us and represent for us.

Now a few years later we are customers for life

Emma
21 April 2024

I highly recommend Dale Bannerman as a Mortgage Broker. Dale was recommended to us by a friend, and I couldn't have been happier with her service. Dale is friendly and approachable, as well as extremely knowledgeable. She takes the time to answer all of your questions and make sure you are fully informed. If you are looking for a Mortgage Broker, Dale is the one you want to trust.

Jimmy
29 March 2023

Dale helped us get our first loan and when it came time to refinance, it was off to see Dale again. Dale is very understanding and provided great advice on the best options for our situation and finding the best product that suited our needs. The service and communication from Dale and Simone was great and they made it a stress free process. I would highly recommend Mortgage Choice Corrimal.

Allison and Rodney
11 December 2019

My Wife and I continue to come back to Dale and her Team because after more than 8 years they continue to offer outstanding customer service, unbiased opinions and are always happy to answer any questions we have.

Dean and Bianca
29 August 2019

Dales nature is very bubbly and joyful easy to communicate with and understanding with answering question that may sound silly to her, no both to her in any kind of way, made me feel comfortable with having little understanding of getting a loan. Dale is quick in her job and makes sure things are sorted straight away, I would recommend Dale to anybody and everybody she is 100% good at what she does. Eve... read more

Julieanne
22 August 2019

From first initial contact Dale is absolutely fantastic. Always prompt with getting back to you and doing all she can to help. Simone was always amazing also, again always prompt with any questions. Would recommend Dale to any of my friends or family

Kim and Gavin
08 May 2019

Very happy with the service received from Dale and Simone. Both very helpful with the whole process and any questions we had

Aleisha and Brad (1)
03 May 2019

Dale and Simone were super helpful with the purchase of my first home. I would definitely recommend.

Zac
01 May 2019

We loved working with Dale and Simone. It was such a smooth process and they were very knowledgeable.

Rebecca and Tristan
08 April 2019

Dale and Simone were fantastic. Always going above and beyond to work out any hiccups with our mortgage and new loan. Their commitment to getting us the best loan was exceptional. And always having excellent communications with us. They made it seem very personal. I will be highly recommending them to anyone searching for a mortgage.

Andrew and Jennifer
04 April 2019

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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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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.