James Fowler Mortgage Broker in Whitebridge, Charlestown, Warners Bay, Newcastle & surrounds

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Call: 0422 882 216

Offering expertise, support and responsive service, James Fowler’s top priority is to expedite the lending process for his clients. Having worked in consumer lending for over 15 years, he has strong analytical skills, product knowledge, and an in-depth understanding of credit assessment procedures. James prides himself on building strong professional relationships to help clients access finance that aligns with their individual needs.

Call Us Mortgage Choice Whitebridge
Office - 0422 882 216

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

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Services

Personable and experienced, James takes the time to discover your objectives before offering well-considered lending advice. No matter what your lending needs are, he’ll help you build a strong application to get your finance sorted quickly and efficiently.

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

Accessing finance doesn’t have to be difficult. James is available for you every step of the way through your application, ensuring everything runs smoothly. He can assist with all types of loans and offers a mobile service covering Newcastle, Hunter, Central Coast and the surrounding areas.

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Newcastle and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted 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 James to discuss your unique circumstances.

Ready to kickstart your journey to home ownership?

We’ll assist you along the way and do all the legwork for you! Call James today on 0422 882 216.

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

James is extremely professional in every way.
Thank you for going above and beyond and helping us acheive our end goal, we honestly can't thank you enough
Highly recommend to anyone and everyone

taneka
20 May 2025

We recently used James for our purchase interstate. We had a few hurdles along the way but James was fantastic and kept us informed every step of the way putting us at ease.
James is highly recommended and we will be using James for any future needs.

David
28 April 2025

James provides an exemplary level of service. He is very clear on the pathway to securing the best loan product and always available to discuss answer any questions I have in relation to my home loan. I would highly recommend using James if you are wanting to secure the best home loan for your goals.

Josh
24 April 2025

I can't recommend James highly enough From start to finish, he made the entire mortgage process smooth. His knowledge of the industry and loan products was impressive, and he took the time to walk me through every step, answering all my questions with patience and clarity.
What stood out the most was his dedication. He genuinely had my best interests at heart and went above and beyond to secure the be... read more

Amanda
24 April 2025

My experience with James was amazing , he had made everything so simple and easy for me to do , couldnt fault a thing about James , definitely will use him again in the future.

Emily
07 April 2025

We had the pleasure of working with James for our recent investment property purchase and we couldnt be more impressed with his service. From day one James demonstrated exceptional knowledge and was incredibly thorough. James made sure we understood all our options and what to expect and always made time for us and all of our questions. We wouldnt hesitated in recommending James to everyone Thanks again.

Sarah
24 March 2025

James went above and beyond with helping me re finance my home loan. Pleasure to deal with and would highly recommend.

Vera
25 May 2023

Please sure to deal with you James and a great outcome. We will be in touch with James on our next investment opportunity.

Konstantinos
12 October 2022

I have been dealing with James for over 15 years until he joined smart line. Recently I wanted to find a better interest rate on my home loan, and I had no hesitation in contacting James. His expert advise I highly recommend to anyone. James is first class, and he made my choice and the process stress free..I highly recommend James to anyone, make the call you won’t regret it.

Joanne
28 June 2022

James was amazing! Highly recommend.

Rick
30 March 2022

Refinancing guide

If you’re thinking about refinancing, this guide can help you learn more about the refinancing process, benefits and options available.

Download now

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You could borrow up to

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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.

James Fowler Mortgage Broker in Whitebridge, Charlestown, Warners Bay, Newcastle & surrounds

Start your home loan journey today

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