Dennis Smallwood

Dennis Smallwood Mortgage Broker in Leeming, Bullcreek, Bibra Lake, Coogee and surrounds

Call 0419 856 669

Dennis Smallwood loves finance, which means you don’t have to. And with over 30 years of experience in finance, he knows what it takes to find you the right loan. “I search across Mortgage Choice’s wide panel of lenders to find you a competitive rate, suitable terms and give you the best chance of approval,” he says.

Dennis is based in Perth’s southern suburbs and can meet wherever it’s convenient or via Zoom.

To find out how easy getting the right finance can be, give Dennis a call.

Call Us Mortgage Choice Leeming
Mobile - 0419 856 669
Office - 0419 856 669

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

Start your home loan journey today

Services

Friendly service from someone who cares: Specialising in first home buyers, investors, debt consolidation, self-employed (low doc loans) and commercial, Dennis will go the extra mile to find the right loan to suit you.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Reverse mortgages (Referred to third party)
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)
SMSF loans
Loan protection insurance

Other areas I service

Dennis’s experience and passion for finance means you can trust him to make your borrowing process easy, straightforward, and successful. Even better, his service is totally free.

Dennis knows your time is valuable, and offers a flexible, mobile service around Spearwood, Coogee and surrounding suburbs. He can meet you at a location and time that suits, either face-to-face or via Zoom.

Spearwood
Coogee
Hamilton Hill
Beaconsfield
Fremantle
Melville
Bicton
Applecross
Kardinya
Leeming
Booragoon
Willetton
Canning Vale
Bull Creek
Beeliar
Thornlie
Gosnells
Southern River
Katanning
Wagin
Gnowangerup

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

I recently completed building my new home and was incredibly fortunate to have Dennis as my mortgage broker. His service was professional and efficient. Dennis worked hard to secure me a fantastic home loan and provided invaluable financial guidance throughout the process. I'm extremely grateful to have been referred to him and would highly recommend Dennis to anyone looking for a top-tier mortgage broker. He definitely deserves 5 stars

Rochelle
20 December 2024

Dennis is brilliant and I trust him implicitly to get the best deal and manage all the confusing aspects of mortgage lending

Andrew
31 October 2024

Couldn't be happier with Dennis's service, Dennis has assisted me with multiple property purchases and has just been awesome through the whole process.

Rita
30 October 2024

We have used Dennis multiple times over the last 23 years , he has always been super efficient at getting us finance quickly, he recently got us a great home loan at a rate comparable with the online banks , even though we are in our mid late 50s , we cant recommend Dennis highly enough
thanks Dennis

Richard
25 August 2024

Best broker I've ever dealt with Helped me to refinance recently and made it such a smooth process.
Thanks Dennis

Danielle
12 July 2024

Dennis is one of the best mortgage brokers I've come across, dealing with him has been a great experience. Great to get along with and very trustworthy. He got us the best deal we could have, highly recommend Dennis as your local Mortgage Broker

Clay
11 July 2024

Thank you so much for your kind words and for all your help throughout the process. We really appreciate your support and are thrilled to have settled into our new home. Well be happy to refer you to our friends, family, and colleagues. Your assistance has been invaluable.

Katrin
15 May 2024

Great broker Never had a problem. Really enjoy doing business with him. Thanks for everything Dennis.

Andrew
31 May 2023

Just a LEGEND
Thanks so much Dennis, you go above and beyond.

Kalbarri
23 March 2023

Dennis's service is second to none. He helped with securing my home loan quickly and made sure signing documents was at a time convenient for me. Great customer service, I would highly recommend.

Sam
19 March 2023

I had 2 advisors and I as extremely happy with their service.
Dennis Smallwood was my other advisor.

Regina
26 June 2017

Very very happy with our adviser, thank you.

09 June 2017

Absolutely fantasic work from Dennis Smallwood and his team I would recommend him to anyone wanting a loan for anything. Great work, Thank You!

Rebecca
18 April 2017

Dennis and his staff were wonderful, took time to explain every possible detail and help guide me through the whole experience.

Camille
02 February 2017

We have been very pleased with the service provided for both ourselves and our son. We have already referred to friends

Carol
06 January 2017

Property Ownership

This guide outlines the essential steps to achieving property ownership, starting from the first appointment with a mortgage broker all the way to settlement.

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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.