Jim Demetriou

Mortgage Choice in Jannali Servicing Como, Sutherland, Menai, Sutherland Shire and Surrounds

Call: 0437 330 858

Gain The Benefit Of A Broker With Over 25 Years Banking and 10 Years Aa a Broker

Call Us Mortgage Choice Jannali
Mobile - 0437 330 858
Office - 02 9524 1456

Open Hours Mortgage Choice Jannali
Monday to Friday 9:00 am - 18:00 pm
Saturday 9:00 - 16:00
Sunday Closed
Free Appointment

Address

1/96-100 Railway Crescent JANNALI, NSW 2226

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

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

Start your home loan journey today

Speaking with other Shire brokers without success, I was fortunate enough to acquire Jim's services for our refinance. At times a complex process Jim provided the highest level of service you could possibly hope for and took all the stress and worry out of the process. Moving forward I wont be speaking to anyone else regarding finance. P. Waller, Bangor NSW

Mortgage Choice Jannali - Sutherland Shire is owned and managed by Jim Demetriou who brings a wealth of experience, having had a finance career spanning 25 + years in retail, commercial and corporate banking. As a Sutherland Shire resident for over 20 year, Jim has a solid understanding of the local and broader Sydney property market.

To make an appointment, contact Mortgage Choice Jannali in Sutherland Shire by clicking on the "Contact us" link at the top of this page or call Office: 9524 1456 Jim Demetriou Mob: 0437 330 858.

The Process:

Initial Contact

As soon as you make contact with us we’ll take some brief initial details.

Free Consultation

A comprehensive consultation provided for free.

Completing All The Paperwork

We will do all the running around by managing all the paperwork.

Safe and Secure

Your information is private and confidential as per the Privacy Act 1988.

Keeping You In The Loop

We will provide you with updates on how your approval is progressing.

Mortgage Offer

A Mortgage Offer will be produced once all checks are completed.

Post Settlement

Our services continue after your loan settled e.g review checks or top up.

As your Broker, we provide in-depth knowledge in a complex lending world, creating better outcomes for you.

Our Services

Home and Refinance Loans;

Cash Out for cars, renos or holidays;

Investment Loans;

Commercial Loans

Business Loans;

Pernonal Loans;

Cars Loans and Equipment Finance;

Leasing for Cars or Equipment;

At Mortgage Choice Jannali - Sutherland Shire we want to save you time, effort and most likely money. Home loans are so much more than just interest rates. We can explain the various subtleties of different loans which can make a big different to the bottom line.

We offer a professional, knowledgeable, efficient and ongoing service;

We provide access to over 35 lenders and 1,000's of products on offer;

We take you through the complete lending process, from submission to settlement and beyond;

Keeping you informed at every step of the way;

We ensure all your questions are understood and answered efficiently;

We go above and beyond to deliver something that is exceptional;

And, we don't process your loan overseas.

Servicing Suburbs including but not limited to Alfords Point, Bangor, Barden Ridge, Bonnet Bay, Como, Engadine, Grays Point, Heathcote, Illawong, Jannali, Kangaroo Point, Kareela, Kirrawee, Loftus, Lucas Heights, Menai, Oyster Bay, Sutherland, Sylvania, Sylvania Waters, Waterfall, Woronora, Woronora Heights, Yarrawarrah.

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

We recently worked with Jim as our mortgage broker and we cannot recommend him highly enough. From start to finish, he was incredibly professional, knowledgeable, and responsive.

Jim took the time to explain every step of the mortgage process in clear terms, ensuring we understood our options and felt confident in our decisions. Jims attention to detail was evident throughout and he was always happy... read more

Holly
13 June 2025

Weve been working with Jim for over 5 years, when he helped us get a home loan and walked us through the entire process step by step. Hes always been kind, patient, and incredibly helpful. And since then, he has stayed in touch, continuing to support us by finding better interest rates, refinancing and making everything easy to manage. We would highly recommend Jim and his excellent services at Mortgage Choice

Nathan
11 June 2025

Jim was beyond awesome. He helped me get a home loan,delt with all my questions no matter how big or small. Nothing was to much trouble,every step of the way Jim was there to guide me through the process.
5 stars is not enough

Craig
11 June 2025

As first home buyers navigating the process with little guidance, we couldnt have asked for a better mortgage broker than Jim. From our first conversation, he was patient, knowledgeable, and generous with his time - always making us feel supported, no matter how many potentially very silly questions we threw his way.

What really stood out was Jims commitment to being available when it mattered. He e... read more

07 June 2025

Jim has been so incredible and really made the process of purchasing our property far too easy. Jim was always available for any questions we had and was so lovely and personable. I would recommend Jim to anyone new to thinking of purchasing a property

Tia
01 April 2025

Fabulous experience. Would highly recommend

Bronessa
01 April 2025

As they say, buying a house is one of the most stressful events in ones life. Jim however demonstrated his brilliance throughout the process removing a lot of the stress for us.

Jim is an incredible mortgage broker whos meticulous approach, attention to detail and ability to simplify complexity stood out for us like a lighthouse.

If anyone is looking for a mortgage broker that goes beyond the call... read more

Glenn
26 March 2025

Jim has been exceptional in helping us secure a bond to purchase our 1st property.
We had a few hiccups from our side but Jim stayed patient and professional throughout the process
I will highly recommend him to anybody starting the process of buying a home.

??????????

Elisma
26 March 2025

Jim was fantastic made the entire process so easy and clearly laid out and is just an all round good bloke.

Highly recommend.

Corey
26 March 2025

Jim was introduced to us by a family member and we are glad to have listened to their recommendation. Jim was very helpful in not only getting us a loan but he always took his time to explain the process for us. We are looking forward to our 1st Xmas in our home. Thank you Jim and God bless.

beauty
25 February 2025

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

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

PAYG Self Employed

My monthly income before tax

Rental income

My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

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.

State / Territorial Revenue Web Sites

View

Mortgage Choice in Jannali Servicing Como, Sutherland, Menai, Sutherland Shire and Surrounds

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing