Gary Liebregts Mortgage Broker in Bunbury & surrounds

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Gary Liebregts brings 20 years of industry experience and a commitment to building strong client relationships to his role as your mortgage broker. With a genuine interest in his clients’ finance and property goals, Gary uses his extensive product knowledge to achieve positive outcomes. His dedicated approach to customer service has been recognised with numerous awards.
Being a local he is mobile with clients in Bunbury, Eaton, Australind, Dalyellup, Burekup, Capel, Donnybrook and as far away as Manjimup, Augusta and Perth !!!

Call Us Mortgage Choice Bunbury
Office - 0897 914 177

Open Hours Mortgage Choice Bunbury
9am - 4pm
Free Appointment

Address

32 Stirling Street BUNBURY, WA 6230

Latest home loan interest rates

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Services

Professional, informative and responsive, Gary will work with you to create a tailored, affordable lending solution to help you achieve long-term financial security. He can assist first homebuyers, those looking to refinance or purchase a new property, and investors.

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
Building/construction loans

Other areas I service

Offering attentive service and friendly communication from start to finish, Gary will go above and beyond to help you successfully navigate the lending process. He offers a flexible, mobile service to clients across Bunbury and the South West.

Bunbury
Eaton
Australind
Burekup
Donnybrook
Capel

Try our free property calculators!

Are you wanting to find out how much you can potentially borrow based on your salary and financial commitments? We understand that finding out how much you can borrow for a property can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with Gary to discuss your unique circumstances.

Ready to kickstart your home ownership journey?

We’ll assist you along the way and do all the legwork for you! Call Gary today on 0408 933 007

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

The mortgage choice team were nothing but amazing in handling not only our refinance but our original purchase of our house.

Highly recommend this team

Kael
12 February 2025

We initially chose Gary and his team when purchasing our home, and we were so impressed with their service that we returned to them for our refinancing needs. Thanks to their expertise, we were able to successfully refinance and make enhancements to our home, turning our vision into reality. The entire process was seamless and stress-free, with Gary and his team handling everything efficiently behind the scenes.

Jordie
12 February 2025

The process with Pete Wheeler was excellent, very smooth and from our perspective straightforward. As first time buyers we had a lot of questions which Pete answered comprehensively. We also found him really responsive whenever we got in contact with him. We felt like he really wanted to get us the best result and ensured we were kept informed at all stages. Also, once we put in an offer on the house he managed to get all approvals completed so fast. Highly recommend

Isabel
12 February 2025

Exceptional service and professionalism from Peter Wheeler and the Mortgage Choice team. We had an extremely smooth experience from start to finish, and were pleased that every step in the process was clearly explained and executed.

It is clear that Peter has a strong background in banking and this meant he was able to achieve the strongest possible deal for us. Highly recommend.

Josh
10 February 2025

We can't thank Mortgage Choice enough for helping us secure our home loan when no one else would. Gary Liebregts and his team were absolutely fantasticalways available to answer our questions and guide us through the process with patience and expertise. Without their support, we truly dont think wed be sitting in our own home today. Highly recommend their services to anyone needing a mortgage broker who genuinely cares

Nicole
09 February 2025

Working with Gary and Tara to refinance our home loan was so easy they are very professional and keep in touch every step of the way thank you

Jet
05 February 2025

Working with Gary has been an absolute game-changer From the very beginning, he made what can often feel like an overwhelming and stressful process completely smooth and straightforward. Garys deep knowledge of the mortgage market, coupled with his ability to explain complex details in a clear and reassuring way, gave me so much confidence throughout the entire journey.

Not only did Gary secure an incredibl... read more

Amerikaz
21 January 2025

Thank you so much Peter Wheeler from Mortgage Choice Bunbury for your outstanding work you did to make sure I got the best loan available. You are outstanding and made me feel very valued and understood. I would recommend Peter to anyone he truely is amazing.

Ellen
20 January 2025

I had an amazing experience with Peter Wheeler at Mortgage Choice Bunbury.
Peter was very professional yet connected with me on a personal level and helped me with me get the loan I needed. I would recommend anyone to Peter Wheeler at Mortgage Choice Bunbury he just made the what could be stressful experience a breeze, thank you Peter and the team

Jade
20 January 2025

Gary is a knowledgeable person who did his utmost to ensure that my loan met my needs. He and his team ensured the process was easy and straightforward, looking for the best loan for me.

Melanie
14 January 2025

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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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.

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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.