Lauren Murphy, Mortgage Broker, Port Stephens, Hunter and Surrounds

Call: 0408 480 562

Looking for a home loan? Talk to Lauren Murphy, your local Mortgage Choice broker from Raymond Terrace. Let us research and compare up to 35 lenders for you

Call Us Mortgage Choice Raymond Terrace
Office - 0408 480 562
Fax - 02 4987 7035

Open Hours Mortgage Choice Raymond Terrace
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
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Address

2/199 Adelaide Street RAYMOND TERRACE, NSW 2324

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Achieve your property goals

As your Hunter Valley mortgage broker, Lauren Murphy can help you find a home loan best suited to your needs.

Lauren has lived and worked in the Hunter Region her whole life. She understands the needs of her clients and will guide you through the whole lending process from application to settlement.

As your mortgage broker in the Hunter Valley we can help you with:

First home buyer loans
Home loan refinance options
Finance to upgrade or renovate your home
Property investment loans
Construction loans
Personal loans
Car loans

We guide you through the home loan process

As your mortgage broker in the Hunter Valley we make your next loan easy.

We’ll find the home loan best suited to you from our extensive panel of lenders
Assist with your loan application - and handle the paperwork on your behalf
We liaise with your lender, solicitor and real estate agent, and
Keep you up to date with the progress of your loan right through to settlement.

We work with you

We know you’re busy, that’s why Lauren our mortgage broker can make a virtual appointment at a time suitable with your needs. We service the entire Hunter region including Medowie, Thornton, Maitland, Rutherford, Cessnock, Branxton, Singleton, Muswellbrook, Denman, Merriwa and everywhere in between.

Call Lauren Murphy – your Hunter Valley mortgage broker today
Achieve your property goals by booking an appointment today.

Call Lauren on 0408 480 562 or email her at lauren.murphy@mortgagechoice.com.au OR visit us at 2/199 Adelaide Street, RAYMOND TERRACE NSW 2324.

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

Lauren has been our mortgage broker since 2010 and we would never go to anyone else She has helped us purchase a car as well as our past 4 homes - the last of these recently under an incredibly stressful family situation and she has done absolutely everything possible to help us get through it. The amount of scenarios she explored was incredible and her dedication to assisting us in achieving our goa... read more

Andrew
21 May 2024

Lauren and Teresa have supported me with all my mortgage needs for around 7 years, through the purchase of my first home, renegotiating rates, refinancing to add my husband to the loan, the sale of that home, the purchase of land and the use of a construction loan. Throughout it all they have constantly proven themselves to be invaluable, always going above and beyond to ensure my needs are met and t... read more

Ashleigh
11 April 2024

Lauren was amazing from start to finish.
She is an absolute professional.
Lauren and her team kept us in the loop and explained the process in detail throughout our entire journey.
Lauren ultimately made our goal a reality.
We recommend Lauren and her team to everyone and anyone who is looking to buy.

Elisa
11 December 2023

Thank you Lauren for all your help and efforts to get our loan approved. Given short time frame, you went above and beyond to get our loan across the line. Thank you so much

Bejoy
04 November 2023

Lauren Murphy and her team are always available to offer options for the current financial issues we have. They went above and beyond to support me to consolidate debt eve refinance. Provide the options I was after and a few others for consideration. Regular communication and information about what I needed to do. Supportive of time abs access barriers while on the other side of the world. They took... read more

Frances
15 August 2023

Lauren is amazing, she has helped me three times now over last 9 years. Cannot recommend her Teresa enough. Maree

Maree
14 August 2023

I can not thank Lauren enough for all of her help and understanding in getting me the best deal for my situation. She made sure I was aware of my options and talked me through the whole process step by step. I would not hesitate to recommend Lauren and will definitely contact her in the future.

Jenine
14 August 2023

Absolutely lovely dealing with Lauren been only dealing with Lauren since 2007

Kristy
08 August 2023

Absolutely lovely dealing with Lauren been only dealing with Lauren since 2007

kristy
31 July 2023

I have used Lauren Murphy several times and she is amazing She is extremely knowledgeable, efficient and helpful - always able to offer the best and honest advice very quickly. Lauren and her team are so easy to work with - nothing is ever a problem and they are always able to answer any questions or concerns you may have. Lauren recently helped me secure a great home loan package super quickly and f... read more

Merilyn
23 April 2023

Refinancing guide

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

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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.

Lauren Murphy, Mortgage Broker, Port Stephens, Hunter and Surrounds

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