Luke Warner & Jenny Freeman - Your Local Home Loan Specialists and Mortgage Brokers in Gawler, Tanunda, Nurioopta, Evanston, Angle Vale, Blakeview, the Barossa and all local regions

Call: 0414 188 420

Call us today to see how your local Mortgage Choice experts can help you find the best home loan and financial products to suit your needs.
Your Local Home Loan Specialists and Mortgage Brokers in Gawler, Tanunda, Nurioopta, Angaston, Craigmore, Munno Para, Smithfield, Evanston, Angle Vale, Virginia, Two Wells, Riverlea Park, Blakeview, the Barossa and all local regions

Call Us Mortgage Choice Dulwich
Office - 0414 188 420

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

Latest home loan interest rates

Starting from

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Comparison rate

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Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

Services

Knowledgeable, professional and results-focused, Luke & Jenny will work with you to develop a well-structured lending solution that’s tailored to your current circumstances and future goals.

Home loans
Investment loans
Refinance loans
Debt Consolidation
Debt Restructuring
Construction loans
Renovation finance
Equity release
Bridging loans
Personal Loans
Car Loans and asset finance
Small Business Lending
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)
SMSF loans
Loan protection insurance
Building/construction loan

Why should you speak with a broker?

We provide real choice, looking to find you the right deal.
We work with multiple lenders, not just one – keeping competition alive.
We may negotiate a better outcome.
We help at a time and place that suits you, doing the legwork for you.
Our aim is to save you time and stress and get things moving as quickly as possible.

To arrange an appointment call Luke, Jenny & the Gawler team on 08 8523 4510 - or email Luke Here:

Calculate your borrowing power

Before you start shopping around for a home or investment property, it’s a good idea to learn what your borrowing power is. In other words, how much you can afford to borrow.

Watch our short video to learn more.

What is your borrowing power?

When you're ready to purchase your property, it's important to have a good understanding of how much you can borrow. We know that finding out how much you can borrow for a property can be a bit confusing, which is why we have some great resources at your disposal.

Feel free to check out our easy-to-use home loan calculators here or get in touch with us to discuss your unique situation.

Start your home loan journey today

To arrange an appointment call Luke, Jenny & the Gawler team on 08 8523 4510 - or email Luke Here:

Your home loan has never been easier.

At Mortgage Choice in Gawler, we work to ensure that we are finding you the best home loan from our wide range of lenders, to suit your needs. We do all the research and paperwork, so you don't have to , and keep you updated as the loan progresses. Call us today!

We share your passion

We’re passionate about helping you achieve your dreams of:

A first home
An investment property
Your next home
Renovating your home

The loan that suits you needs

We have access to hundreds of loans from over 30 different lenders including the big banks and specialty lenders. We do all the research, to find the best loan for your life! We hate to see people stuck in the wrong loan for years, so we work hard to ensure we get you into the right one.

We don’t charge to find the right loan for you

We are paid by the lender once your loan settles. In some limited circumstances your broker may charge a fee, which would be discussed with you before proceeding.

At Mortgage Choice, the only thing that matters to us is the home loan that’s right for you.

All your financial needs are covered

Our skilled team can help you select from a range of finance options:

Car Loans
Debt Consolidation
Personal Loans
Equipment Leasing
Loan Repayment Insurance
Life & Risk Insurance, as well and Home and Contents Insurance

Please visit Our Team if you'd like to know more about the team at Mortgage Choice in Gawler who help make it all happen.

To arrange an appointment call Luke, Jenny & the Gawler team on 08 8523 4510 - or email Luke Here:

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

Julie has been so wonderful to deal with over the years of my house build, any question you have she will ensure she finds an answer for you always very quick responses. Would highly recommend

Zoe
27 November 2024

Jenny was absolutely amazing So glad I went with Mortgage choice instead of approaching a bank on my own. Jenny was able to get me a loan with a bank interstate which was far more suited to my situation then the big 4. Jenny was able to explain everything too me as a first home buyer and was on call whenever I needed her. Definitely couldnt have done it without her

Jedi
30 October 2024

Very helpful, efficient and accommodating.

julie
28 October 2024

Leith is amazing, been multiple times and recommended to multiple people now.

Brendan
25 June 2024

Nothing is too much trouble for Julie and her team. We cannot thank them enough for their assistance and guidance with our new build. We would definitely recommend them and their services.

19 May 2024

Leith and the team are nothing but amazing. Whether you are a first home buyer or refinancing, no task is too difficult and their communication is second to none Wouldnt use anyone else

Vivienne
08 February 2024

Fast, reliable, hassle free

Terry
07 February 2024

The team at Mortgage Choice Gawler have just assisted us with a construction loan and then a refinance straight after our build was completed. It's a journey and the banks don't always make the path easy at times, however Leith, Julie and the team remain helpful, knowledgeable and available to answer any questions. Thanks again guys

Jen
07 January 2024

Thank you to you and your team on making another dealing with you effortless and seamless. We wouldnt go to anyone else. With my many questions some stupid at times you are always there to answer and go above and beyond with your service.
An amazing team you have

Tennille
26 October 2023

Fantastic customer service from your team.

Skye
16 August 2023

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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My credit card limits

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2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

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2nd applicant monthly other income before tax

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You could borrow up to

Repayments
/ month
Expenses
Remaining

Based on standard variable rate over years.

Start the pre-approval process

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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

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.

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

Need help with your next home purchase?

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.