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

If we could give Gary 2010 we would, this is our 3rd property we have put to Gary and he has never failed us. Hes honest, friendly and extremely knowledgeable we recommend him to everyone we know purchasing a home.
This loan was a bit more tricky then the usual home loan But Gary was all over it, communicating with us every step of the way as well.
Thank you again

Shannon
15 November 2024

We recently worked with Gary and Tara to secure a mortgage for our new home, and we couldn't be more satisfied with the experience. Gary is attentive and knowledgeable, and takes the time to explain every option available. He really took the stress out of the process. If you are looking for a mortgage broker, we highly recommend Gary Liebregts.

Michelle
08 November 2024

Would highly recommend Gary and Tara and Mortgage Choice. From start to finish they have made the whole process easy to understand as first time home buyers.

Nothing was ever too much and Gary put aside time for us whenever we had to make last minute appointments or needed a question answered quickly during the process.

We are beyond grateful for Gary's guidance and support during our long journey of finding the right first home.

Thanks to both Gary and Tara

Natalie Ben

Natalie
04 November 2024

We could not recommend Gary at Mortgage Choice enough We went to Gary to see if the option to travel Aus was on the cards for us financially and now we can do just that with the help of Gary He helped us purchase our caravan without any fuss. He is such a pleasure to deal with and we would never go anywhere else
Thanks Gary Tara

Sarah
04 November 2024

Very easy to deal with and there is never a problem communicating.

William
26 October 2024

Our broker Peter Wheeler was wonderful to deal with. He gave us updates regularly throughout the process so we always knew where we were up to and what to come next. His approval process was quick and smooth all the way to settlement. 1010 would recommend

Isabella
24 October 2024

Gary and Tara are awesome to deal with. We've used them for multiple property purchases and refinancing and always ended up with the best deal that suits our needs.
Great honest and prompt service.

Chris
21 October 2024

Easy to work with and very friendly

Jordan
01 October 2024

Excellent service. Could not recommend them enough

Rebecca
23 September 2024

Gary and his team made the whole mortgage process simple and enjoyable. The team went out of their way to make sure we got the maximum we could to buy the house we were after.
Highly recommended, if I could give them a 10 star rating I would. Wil definitely be going through them again

Aaron
07 August 2024

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.