- Call Us Mortgage Choice Dee Why
- Office - 02 9984 0728
- Open Hours Mortgage Choice Dee Why
-
Monday - Friday: 9:00am - 5:00pm
After hours by appointment - Free Appointment
651-653 Pittwater Road DEE WHY, NSW 2099
- Call Us Mortgage Choice Dee Why
- Office - 02 9984 0728
- Open Hours Mortgage Choice Dee Why
-
Monday - Friday: 9:00am - 5:00pm
After hours by appointment - Free Appointment
1/657-659 Pittwater Road DEE WHY, NSW 2099
Brad Anderson joined Mortgage Choice in August 1999 and has recently been joined by James Algar. With over 30 years combined experience, the award winning team has arranged loans for well over a 1000 satisfied home buyers in the Northern Beaches.
Why choose Mortgage Choice? We specialise in all forms of Residential Lending including:
- First Home buyers
- All Home buyers
- Refinancing
- Investment loans
- And increases to existing loans
We take the time to understand our clients' short and long term property goals & keep them informed at every step of the loan application process. We make the whole process easy and convenient, meeting to discuss your options at a time and place that suits you. Then we take care of all the running around, submitting the loan application on your behalf and liaising with the lenders, your Solicitor/Conveyancer and Real Estate Agent. Put simply once you have signed the loan application you leave the rest to us.
We also embrace a customer for life philosophy. This means our team will take great care of you not only during the loan approval process but way into the future well after your loan has settled. We will keep in regular contact with you through both the phone & email & we will regularly review your loan to ensure you always have a product that best fits your changing needs.
To make an appointment simply call Brad on 9984 0728 or click the Contact us tab to arrange an appointment.
Mortgage Choice in the Northern Beaches services the suburbs of Terry Hills, Collaroy, Dee Why, Narrabeen, Warriewood, Mona Vale, Bayview, Scotland Island, Newport, Avalon, and Palm Beach.
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
Excellent service, Big Thank you to James and the Team. Tiani youre a gem, your kindness and patience, truly amazing. Great customer service.
Esther
26 March 2024
The team conducted themselves with absolute professionalism, going above and beyond to meet our needs with what was a complex application, house visits after hour calls were the norm, highly recommend the team.
tomek
20 March 2024
James Algar and Tiani Cantwell have made the journey of purchasing our first home a lot easier, from start to finish, they have been understanding, responsive and patient. It was not an easy process but without their support we would not be about to move into our new home. We are very grateful to them for providing a personalised approach tailored to our specific needs. Highly recommended
Sophie
18 March 2024
Amazing experience. They really know their stuff and are great communicators - Highly Recommend.
Joana
03 March 2024
Very helpful and reliable. They go abve and beyond to ensure the best outcome for the client.
Sonam
02 March 2024
I have been dealing with Brad for
A number of years and he has always been our first choice.
Brad and his team are so great to deal with and are always looking for the best options.
Tiani was fantastic and always kept us up to date and informed with what was going on and everything seemed to be easy from start to finish.
Thanks Mortgage Choice at Dee Why for your support and helping us and making everything so easy.
Scott Esther.Scott
21 February 2024
James and team always go above and beyond to get the best deal. Their service is first class and I have recommended James to all my friends over the 15 years I have known James as a broker.
Sun
30 January 2024
James Algar and his team were an absolute pleasure, and their service was truly beyond fantastic. From the initial consultation to the closing of my mortgage, James demonstrated exceptional professionalism, expertise, and a genuine commitment to ensuring my financial needs were met.
James took the time to understand my unique situation and provided tailored guidance that was invaluable throughout th... read moreSulien
28 January 2024
Brad and his team are amazing and professional. Would recommend them to anyone.
kevin
28 January 2024
Over the last few years, Brad Anderson and the Mortgage Choice team have helped me set up two complex cross-financed mortgages on tight deadlines, and a more simple re-finance. I can't speak highly enough of the professionalism, dedication, expertise, integrity and overall excellence shown by Brad and other staff members I've interacted with. I would never go anywhere else for mortgage assistance and wish I could give more stars
Lizzy
23 January 2024
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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.
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.