Matthew Fynch

Mortgage Broker Woolgoolga, Coffs Harbour, Sawtell, Nambucca Heads and Surrounds

Call 0401 434 197

Meet Matt Fynch, your trusted local mortgage broker. He is passionate about finding you an amazing loan and providing you with an excellent experience.

Call Us Mortgage Choice Coffs Harbour
Office - 0401 434 197

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

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Mortgage broker Woolgoolga, Coffs Harbour & Sawtell

Matt Fynch, as your local mortgage broker in the Woolgoolga area, brings an unparalleled level of customer service to his role. Matt is always happy to share his substantial financial knowledge to help buyers get ahead and is dedicated to helping his customers achieve their home ownership and investment goals. Coming from more than 20 years working in the tourism and hospitality industry, Matt knows the importance of building a strong relationship with his clients, and he genuinely cares about your success.

When he’s not securing loans, Matt spends his weekends coaching his son’s soccer team or enjoying some time on the golf course. An adventurer at heart, Matt has lived and worked in major cities across Asia, including spending 10 years in Thailand - he’d love to practice his Thai language skills with you!

Why should you refinance your home loan?

You may not realise some of the benefits that you can gain from refinancing your loan - it’s not all just about reducing your interest rate! Refinancing can also allow you to

Reduce or completely eliminate your account fees
Access your equity to fund an investment or renovation
Pay off your loan faster
Gain new features, like an offset account

And of course, you may also be able to save thousands of dollars worth of interest every year - even a small change in your interest rate can make a huge difference! Delaying refinancing is only costing you more money over time, so don’t hesitate to reach out to Matt for a free review of your current home loan. The refinancing process is as easy as can be with him!

Talk to Matt Fynch about your home loan today

We can also help you with

Calculating your borrowing power

Your borrowing power will depend on variables like your income, expenses, and debts, and can vary between different lenders. This figure will usually determine exactly what kind of home you can afford, so it’s important to understand early in your journey. To learn more, talk to Matt today, and in the meantime try out our free online borrowing power calculator.

Try the calculator now

Using a guarantor

A guarantor, who is usually a close relative to you, can act as security on your loan if you don’t have a 20% deposit. This means that you can get into the property market without the expensive extra cost of LMI! However, your guarantor will also be responsible for your payments if you are unable to pay your mortgage, so the decision to use a guarantor should not be taken lightly. Read more in our free guide to guarantors.

Understanding guarantors guide

Upgrading your home

Whether you just want to freshen up your space or are considering a more substantial update, there are a number of ways you can finance a home upgrade. Matt can walk you through all of these options, helping you choose the one that is right for your lifestyle and finances. Your dream home is within reach, so discuss your needs with Matt today.

Call Matt Fynch on 0401 434 197 today - he’d love to chat

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

Matt was awesome throughout the whole process and his expertise was second to none.
Matt went above and beyond and got everything done promptly. I highly recommend Matt and will definitely reach out to him should I need to in the future.
Thanks Matt for your support.
Legend.

luke
28 May 2025

This is the second time around I have used Matts help within the last 4 months he has always come through. Matt helped me 4 months ago with securing a loan for my SMSF a week ago to secure a home loan which only took a week. He understood all my needs found the best deals that suited me. I highly recommend Matt, he will listen to your needs find the best deals that suits you.

Emmanuel
15 May 2025

Matt was great to deal with, and was no more than a phone call away throughout the whole process. Certainly would recommend with the full 5 ?????

Damian
22 February 2025

We recently utilised Matt's services to refinance our home loan. Matt met with us quickly and was professional and very knowledgeable about which financial institution and product would be best for us. He worked with us every step of the way and was in constant contact to ensure everything in the application process was OK. I would highly recommend Matt.

Kerry
12 February 2025

We used Matt for two different home loans applications. He has been absolutely amazing throughout both processes. One of the loans was complex due to the purchasing structure and he worked with our accountant to get all the necessary information and made the process seamless.
Matt is responsive to emails and phone calls, keeps you updated on progress, follows up and goes above and beyond for his clients. Thank you Matt.

Chipo
07 February 2025

I was surprised that I could not get an investment loan even though I have a good income and savings.
My age 65 how my tax returns was lodged became an issures.
When 5 other mortgage agents walked away from me, Matthew Fynch had non-stop working with my application till I received a pre-approval from one of many financial institutions he work with.
Mathew is brilliant and worth to try his services.

jackie
18 January 2025

In a high stakes, hi pressure environment he gets it done. Thank you Matt, appreciate the assistance.

Michael
21 November 2024

Would highly recommend Matt, he is very knowledgeable and made the process of getting a mortgage simple and easy, guiding us every step of the way.

21 November 2024

I highly recommend Matt for your mortgage needs, he was very knowledgeable and provided exceptional support and advice throughout the process. Overall Matt was excellent to work with, even checking in on the progress of my mortgage application from his overseas holiday Thanks for helping me secure a home for me and my girls.

Amy
06 November 2024

Highly recommend Matt from Mortgage Choice
Matt has been excellent to work with. His expertise and efficiency have made this process much less stressful and turned it into an enjoyable and exciting experience, as it should be.
Thanks Matt

05 July 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.

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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.

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