Mortgage Specialist in Port Adelaide, West Lakes, Semaphore, Largs North, North Haven and Largs Bay

Call: 0413 152 871

Looking for a home loan? Talk to Kerry Teakle, your local Mortgage Choice broker from Port Adelaide West Lakes, Largs Bay, Semaphore, and Seaton, SA. Let us research and compare over 20 different lenders for you.

Call Us Mortgage Choice Port Adelaide
Mobile - 0413 152 871
Office - 08 8241 0512
Fax - 08 8241 1141

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

Address

231 St Vincent Street PORT ADELAIDE, SA 5015

Welcome to Mortgage Choice in Port Adelaide and West Lakes.

WHAT ARE THE BENEFITS OF USING MORTGAGE CHOICE?

We offer you a wide choice of home loans; We analyse hundreds of loans from a wide panel of lenders, including many of the major banks. If you go directly to a bank or lender, you will be limited to their own home loan products.

Our service will save you time.

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.

Whatever your situation, we can help; Whether you are a home buyer, investor or interested in refinancing or consolidating, we will help you find a loan that is right for you.

Let us do the legwork and meet you at a time and place that suits you - it's that easy!

Let Mortgage Choice at Port Adelaide do the legwork for you and find a loan that suits your needs.

Servicing Alberton, Bowden, Brompton, Birkenhead, Cheltenham, Croydon, Findon,Grange, Hendon, Kilkenny, Largs Bay, Mile End, Mansfield Park, North Haven, Osborne, Ottaway, Port Adelaide, Queenstown, Rosewater, Royal Park, Regency Park, Semaphore, Semaphore Park, Seaton, Taperoo, Tennyson, West Croydon, West Lakes, West Lakes Shore and Woodville, Woodville South, Woodville West, and Wingfield.

Start your home loan journey today

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

Kerry and her team have been incredible to work with throughout the process of purchasing our new home. With their extensive knowledge and professionalism they guided us through each step and made the experience as stress free as possible. They were always available to answer any questions. We couldnt be happier with their service and would highly recommend them to anyone looking for a mortgage broker.

Lisa
11 November 2024

It really is hard to describe how amazing Kerry has been We purchased our first home with her assistance and she relieved a lot of our stress by being honest, clear and kind-hearted. We purchased on a Sunday afternoon at auction and flicked her an email to let her know and she actually called us straight away to congratulate us It really is hard to get that level of customer service these days. Thanks Kerry

Andrew
10 November 2024

We highly recommend Kerry She was absolutely amazing from start to finish and went above and beyond for us. She was always available to answer any questions we had and helped us achieve what we needed and offered us sound advice. She is extremely knowledgeable and is the most down to earth and warm person and just an absolute pleasure to deal with. If we could give more than 5 stars we would because shes the best in the business ???????????????

Natalie
03 November 2024

I had a fantastic experience working with Kerry as my mortgage broker. She made the whole process smooth and stress-free, guiding me every step of the way. Kerry and her team were always available to answer my questions and found the best deal for my situation. I couldnt be happier with her service and would highly recommend her to anyone looking for a mortgage broker

Fiona
29 October 2024

When you need professional and tailored advice with quick actions and results... look no further, just contact Kerry, you will reach your goals with their assistance in no time

Laszlo
21 October 2024

Kerry and Karen have been so helpful from the first point of contact after having them recommended to me through a friend. I cannot praise them enough and how fantastic and priceless their knowledge has been throughout such a worrisome time after enduring a separation and property settlement, requiring assistance for me to navigate my way through options to refinance and ultimately secure stable housi... read more

Natalie
17 October 2024

Kerry is the absolute best. From talking us through the process to coming to an auction on a Saturday with us to listening to us whinge about missing out until we found our perfect home.
Cannot recommend Kerry enough

Luke
18 July 2024

Kerry, Karen and the team worked their butts off to help us get the best possible loan. Cannot thank them enough.

M
10 July 2024

Kerry and Karen went to great lengths to have my refinance approved, Kerry and Karen are a wonderful caring team , I was extremely happy with the service.

Andrew
03 July 2024

Very helpful, Friendly and professional. Highly recommended. A great help though the whole process.

Paul
24 June 2024

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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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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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.