
Nicole Hamilton Mortgage Broker in Balmain, Rozelle, Ryde, Gladesville & Surrounds
Balmain
4.9
(33+ total reviews)
Aggregated from:

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Call Us
Mortgage Choice Balmain
- Office - 02 8080 0048
- Fax - 02 8088 7177
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Open Hours
Mortgage Choice Balmain
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Monday - Friday: 9:00am - 5:00pm
After hours by appointment - Free Appointment
Suite G5, 1-15 Barr Street BALMAIN, NSW 2041

Start your home loan journey today
Services
Whatever your borrowing requirements or circumstances, Nicole will work with you to identify a loan solution. Her financial expertise is backed by helpful, responsive and personalised service, for total peace of mind throughout the process.
- Home loans
- Investment loans
- Refinance loans
- Construction loans
- Renovation finance
- Equity release
- Deposit Bonds
- Bridging loans
- Reverse mortgages (Referred to third party)
- Personal Loans
- Car and asset finance
- Business equipment finance
- Commercial property finance
- Business loans
- Insurance (third party referrals)
- SMSF loans
- Loan protection insurance
- Building/construction loans
A little more about our service
Professional and results-oriented, Nicole is based in Balmain and offers a flexible mobile service. She focuses on the areas around Balmain, Ryde, Gladesville and Putney but has clients all over Sydney. She can meet with you at a time and location that suits you.
Check your borrowing capacity
Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Broker in Balmain, Rozelle, Five Dock and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!
Check out our free home loan calculators here or get in touch with me to discuss your unique circumstances.
Ready to kickstart your journey to homeownership?
We’ll assist you along the way and do all the legwork for you! Call me today on 8080 4408.
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
Nicole was a joy to work with from start to finish. I have already recommended her to friends and would not hesitate to seek her advice again on anything related to my home loan.
Rebecca
14 January 2020
I am pleased to say, in the experience I have had with Nicole Hamilton, I cannot find any fault at all as the service I received was exceptional.
Vimal
21 July 2019
We have relied upon and trusted Nicole's advice for many years now. She is brilliant - constantly keeps us updated from loan application to settlement, always contactable and very patient with us! We look forward to continuing to work with Nicole and would thoroughly recommend!
Patrick
26 October 2022
I worked with Nicole who was recommended by my brother. She was so patient and helpful to take the time to explain and answer all my questions. Nicole would also be available to take my calls on weekends and evenings after work hours and never once did she make me feel like I was a bother. She was very professional yet I can see she really cares for each and everyone of her clients. I would definitely recommen... read more
Mei
29 March 2022
Nicole was great from start to finish, always available & able to clearly explain to us our various options for refinancing, including the pros and cons of those options.
Sally
22 January 2022
Nicole is always helpful and knowledgeable. She helped me through the loan process which made it a much better experience than doing it on my own. thanks Nicole
Alice
29 October 2021
Nicole was so professional and friendly - she gave us confidence throughout the whole process of securing our mortgage. I cannot recommend her highly enough!
Michael
27 October 2021
Nicole and Josie were totally committed to achieve a loan for my family entity while my personal sources of income were governed by pension and loan repayments. Their persistence and patience found the correct bank then achieved a better than expected outcome.
Ian BIan
18 October 2021
I needed a Broker on short notice, and a friend recommended Nicole and I couldn't be happier. I would wholeheartedly recommend Nicole to anyone looking for a mortgage or refinancing
Colin
23 January 2021
Nicole and Josie exceeded our expectations. they were incredibly helpful and fast to respond and able to navigate through our unusual purchase scenario. We cannot thank them enough
Mark
06 July 2020
Nicole was a joy to work with from start to finish. I have already recommended her to friends and would not hesitate to seek her advice again on anything related to my home loan.
Rebecca
14 January 2020
I am pleased to say, in the experience I have had with Nicole Hamilton, I cannot find any fault at all as the service I received was exceptional.
Vimal
21 July 2019
We have relied upon and trusted Nicole's advice for many years now. She is brilliant - constantly keeps us updated from loan application to settlement, always contactable and very patient with us! We look forward to continuing to work with Nicole and would thoroughly recommend!
Patrick
26 October 2022
I worked with Nicole who was recommended by my brother. She was so patient and helpful to take the time to explain and answer all my questions. Nicole would also be available to take my calls on weekends and evenings after work hours and never once did she make me feel like I was a bother. She was very professional yet I can see she really cares for each and everyone of her clients. I would definitely recommen... read more
Mei
29 March 2022
Nicole was great from start to finish, always available & able to clearly explain to us our various options for refinancing, including the pros and cons of those options.
Sally
22 January 2022
Nicole is always helpful and knowledgeable. She helped me through the loan process which made it a much better experience than doing it on my own. thanks Nicole
Alice
29 October 2021
Nicole was so professional and friendly - she gave us confidence throughout the whole process of securing our mortgage. I cannot recommend her highly enough!
Michael
27 October 2021
Nicole and Josie were totally committed to achieve a loan for my family entity while my personal sources of income were governed by pension and loan repayments. Their persistence and patience found the correct bank then achieved a better than expected outcome.
Ian BIan
18 October 2021
I needed a Broker on short notice, and a friend recommended Nicole and I couldn't be happier. I would wholeheartedly recommend Nicole to anyone looking for a mortgage or refinancing
Colin
23 January 2021
Nicole and Josie exceeded our expectations. they were incredibly helpful and fast to respond and able to navigate through our unusual purchase scenario. We cannot thank them enough
Mark
06 July 2020
Nicole was a joy to work with from start to finish. I have already recommended her to friends and would not hesitate to seek her advice again on anything related to my home loan.
Rebecca
14 January 2020
I am pleased to say, in the experience I have had with Nicole Hamilton, I cannot find any fault at all as the service I received was exceptional.
Vimal
21 July 2019
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.
Help me calculate
How much can I borrow
Home loan repayment calculator
Stamp duty calculator
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Repayments/ month
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Expenses
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Remaining
Based on standard variable rate over years.
Start the pre-approval process
Talk to a brokerYour borrowing estimate
Monthly income
Expenses
You may borrow up to
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Your monthly repayments
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Total loan repayments:
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Total interest charged:
There's a lot to consider when choosing the right loan.
Talk to a brokerBreakdown | Amount |
Stamp duty on property | |
Transfer fee | |
Mortgage registration fee |
Need help with your next home purchase?
Talk to a brokerExtra 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.