Mortgage broker in Chatswood, Artarmon, Lane Cove, Killara & Sydney's North Shore

Call: 0416 009 888

🏆 2024 - Best Franchise Office NSW Winner
🏆 2023 - Franchise of the Year Finalist
🏆 2023 - Best Customer Service Individual NSW Finalist
🏆 2022 - Loan Administrator of the Year Finalist

Set yourself up for a better tomorrow with the right lending strategy today.

Call Us Mortgage Choice Chatswood
Mobile - 0416 009 888
Office - 0416 009 888
Fax - 03 9314 8856

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

Address

Suite 15.04 Tower B, 799 Pacific Highway CHATSWOOD, NSW 2067

Our purpose is simple:

We enhance our clients' financial future and lifestyle through expert lending solutions.

Award-winning mortgage broker team

Our aim is to help you by making the process of finding the right loan easy. Using a personalised approach, we'll work with you to find out what your needs are, then recommend the best product to suit you.

Work smarter, not harder

We go the extra mile to manage the paperwork and lender chasing from start to finish. Our fantastic lender relationships mean that we will always be well-placed to advise the most cost effective and streamlined loan solution for you.

No cost to you

Our business receives payment from the lender, so there is no payment required from you for our service. We will always have your best interest at heart when finding the right loan for your individual needs.

Get expert home loan advice:

With you at every step

Unlock your wealth through property.

Whether you're purchasing your first home, upgrading to your next, or investing in property, our expert guidance is here to empower your mortgage strategy.

Book Your Free Consultation

Client reviews

Mark Shaw and Monica C Mort are two amazing mortgage professionals you will want on your property investment team. They recently helped us refinance and provided an A class service throughout the whole process. I will be a repeat customer and would highly recommend contacting them if you are looking to build a property portfolio.

Paul
29 September 2023

Mark is very helpful and highly recommend him as mortgage expert

Frank
24 August 2023

Mark, Monica and Georgia were very fast to respond to messages, extremely helpful putting in the application and really did find the best option for our refinance which I also researched myself and came to the same conclusion. Mark really knows what he is talking about and I will definitely be going back when I refinance again or buy another property.

Daniel
10 August 2023

I had a good experience with the team at Mortgage Choice Chatswood as I embarked on refinancing and changing landing institution my mortgage. They were prompt, friendly, helpful, efficient and willing to answer all my questions with patience. I didn't ever felt pressured into anything. I think I will be very happy with the product they helped me obtain.

Ella
09 May 2023

Mark has not only helped me with refinancing but also helped with options to give me more flexibility. Excellent with providing options and explanations and that all with fast responses. You can't go wrong here

Frank
21 February 2023

Mark Shaw and Monica were a great team to work with — prompt, reliable and most importantly kind. Refinancing or getting a loan can be quite intimidating and Mark and Monica were very patient with any questions I had, no questions were too silly to ask. Mark also gave me a couple of contacts for other professionals I was looking to help manage my property. My loan application process was smooth and successfu... read more

"Lizzy" Teo
17 January 2023

Mark and Monica helped me to get through the process of refinance and buying new IPs. I am so happy with the result and they have been so helpful and professional throughout the whole process. Will definitely go back to Mark and his team again when I am gonna get my financial service in the future. Thanks again Mark and the team.

Steven
07 August 2022

Great experience with the team at mortgage choice. The whole loan process was smooth and professionally handled . Would love to work with them again .

Melroy
21 July 2022

Mark and Monica were amazing to work with. I came to them very stressed about purchasing my first home and they talked me through the process and got the best deal for me. I am very grateful for their help through this time. I recommend Mark, Monica and the team and will definitely be using them again in the future.

Jessica
21 July 2022

No complaints. Thanks to Mark Shaw and the team for their efficiency and for all the guidance provided to a couple of FHBs

Christopher
21 July 2022

Property investor guide

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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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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.

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.

Mortgage broker in Chatswood, Artarmon, Lane Cove, Killara & Sydney's North Shore

Our purpose is simple:

We enhance our clients' financial future and lifestyle through expert lending solutions.

Award-winning mortgage broker team

Work smarter, not harder

No cost to you

Get expert home loan advice:

I want to buy a home

I want to buy an investment

I'm considering refinancing

With you at every step

Client reviews

Property investor guide

Help me calculate

Lvr calculator

How much can I borrow

Stamp duty calculator

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