Quick, hassle free Loans from the experts | Mortgage Brokers and Home Loan Experts in Darwin, NT.

Call: 0429 045 498

We are the oldest Mortgage Choice Franchise and pride ourselves in over 30 years of experience and expertise in home loans, refinancing, first home purchase expertise, car loans, commercial loans, etc. Our mortgage brokers are some of the best in Darwin, Australia and have solutions for all of your financing needs.

Call our office on 8941460 and get in touch with our experts.

Call Us Mortgage Choice Stuart Park
Office - 0429 045 498
Fax - 08 8941 8668

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

Address

135 Stuart Highway STUART PARK, NT 0820

Latest home loan interest rates

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Start your home loan journey today

We're focused on finding the right home loan for you.

Choosing the right home loan isn't as simple as finding the lowest interest rate. The lender, loan features and rate all need to work together and fit with your individual circumstances. The Mortgage Choice team in Parap are focused on finding you a great home loan; one that suits your next purchase.

The important thing to remember is that we work for you! That means we advocate on your behalf with the banks to get you the best outcome.

We have over 30 lenders available

When you're shopping around for something as big as your home loan, it's important to have a wide range of home loans available. At Mortgage Choice, we have over 30 lenders on our panel, all with different home loan options & features. It means you have peace of mind that we have researched all the available options to find you a great home loan.

Our home loan service is free

As a mortgage broker in Australia our home loan service is free, as your chosen lender pays us a commission when your loan settles.

We work to understand what you need from your loan;
We work out what you could borrow and comfortably afford to repay;
Our team will answer any questions you have about the process;
We will compare loans from over 30 lenders to find you the right one;
Our brokers will do all the legwork & paperwork for you;
We will follow it through from pre-approval to settlement.

Call us on : 08 8941 4600 or

0420744777

How much deposit do you need to save?

What is home loan pre-approval?

We're here to help

Our team at Mortgage Choice Parap are ready to get started on your next property purchase: from your first home through to your first investment loan!

Our team service the areas of Parap, Humpty Doo and Casuarina and surrounds.

You can email the team 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

Rushil was Great
He approved my loan with in 3 days

Khubaib
14 June 2024

Best customer service

Annie
14 June 2024

Most helpful and compassionate mortgage brokers I have ever come across. They are knowledgeable, professional and quick in their dealings and will provide you with best solution and services for home and commercial loan needs. I will highly recommend them for anyone who is stuck or is thinking to start their mortgage journey and looking for a solution andor who is seeking an excellent and exceptional service. They have best interest rates too. Had awesome experience with Rushil and his team .

Kuljit
03 June 2024

Firstly thanks for everything
Very trustworthy, quick, and most important is gave right advice because of it we bought second house within a year.

patel
03 June 2024

We recently had the pleasure of working with Rushil to purchase an investment property, and We couldn't be more pleased with the experience. Rushil's expertise and professionalism were evident from our very first interaction. He guided me through every step of the process, providing valuable insights and suggestions that ultimately led to a successful investment.

Rushil's attention to detail and de... read more

KOMIRELLY
02 June 2024

I recently had the pleasure of working with Rushil Shah from Mortgage choice for my home loans. From start to finish, the experience was seamless and stress-free.

Rushil demonstrated unparalleled expertise in the realm of home loans, guiding me through every step of the process with patience and clarity. They took the time to understand my financial situation and goals, providing personalized advic... read more

viralhetal
02 June 2024

Excellent service

Chintan
02 June 2024

Excellent service provided by Rushil to achieve our dream of buying an investment property. He guide us throughout the process and making the entire process smooth and stress free. I highly recommend Rushil@Mortgage choice in PARAP whoever is looking for this service.

Amandeep
01 June 2024

Had an good experience dealing with Rushil and John of Mortgage Choice. We got our loan approval within timeframe and without any hassles. Would highly recommend them.

Neel
01 June 2024

Rushil and John have been fantastic in helping with my application. Efficient and very prompt in responses. Definitely will go to them again.

Linda
31 May 2024

Property Ownership

This guide outlines the essential steps to achieving property ownership, starting from the first appointment with a mortgage broker all the way to settlement.

Download now

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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.

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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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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.

If you buy a home costing up to $430,000, no stamp duty is payable at all. If the value of your home is between $430,000 and $530,000, you’ll be entitled to a reduced rate of stamp duty. There are no additional concessions for homes valued above $530,000 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.