Mortgage Broker Neutral Bay, Mosman, Cremorne, Cammeray - Your Local Home Loan Expert, Ralph Delaat

Call: 02 9908 7800

Looking for a great home loan deal? We're your local mortgage brokers in Neutral Bay and can compare hundreds of home loans to find the one that's right for you.

Call Us Mortgage Choice Neutral Bay
Office - 02 9908 7800
Fax - 02 9908 7822

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

Address

Shop 2, 211 Ben Boyd Road NEUTRAL BAY, NSW 2089

We are your local mortgage brokers on the Lower North Shore! We can help you with Home Loans, Investment Loans, Personal Loans & Business Loans.

We pride ourselves on providing a consultative personalised service to all of our clients. Our job is to source the most cost-effective loan option for you (this saves you money), from our choice of dozens of lenders and hundreds of home loan products (this saves you research time).

Once selected:

I'll lodge the application
liaise with the lenders
keep you up to date with how the loan is progressing all the way through to settlement.

We have over 30 years of experience in the finance industry!

With over 30 years of experience in the finance and banking sector, I've helped hundreds of local clients on the Lower North Shore and other areas of Sydney with their home loan needs.

If you would like to find out more information about your borrowing capacity or the home loan process, make sure you check out our free home loan resources below!

Ralph Delaat from Mortgage Choice Neutral Bay can help you find a home or commercial loan that suits your needs, not the lenders! Also, because Mortgage Choice isn't owned by a bank (unlike some other mortgage brokers), you can rest assured that I have your best interests at heart.

Hear what some of our customers have to say!

As your local Mortgage Choice broker in Neutral Bay, Ralph can come to you, or we can meet at my office located at 211 Ben Boyd Road, Neutral Bay 2089.

Contact me today on 9908 7800 or mobile 0407 273 048.
Email: Ralph.delaat@mortgagechoice.com.au.

Mortgage Choice Neutral Bay services!

Our home loan service doesn’t cost you anything!

At Mortgage Choice Neutral Bay, our home loan service is at no charge to our customers because the lenders pay us a commission after your home loan settles, so you get all of our expertise at no cost to you.

Please contact Ralph Delaat if you need help with any of the following:

Buying your first home, including obtaining the First Home Buyer Grant (FHOG)
Buying your next home
Investing in property
Accessing your equity to finance renovations or further investments
Reducing your monthly payments by refinancing/debt consolidation
Loans for small business owners, residential and commercial.

Servicing: Sydney's Lower North Shore including North Sydney, Milson's Point, Cammeray, Mosman, Neutral Bay, Cremorne, Spit Junction, Wollstonecraft, Waverton.

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

I'm delighted to share my experience with Ralph. Ralph's invaluable support and extensive knowledge made our home buying journey an absolute joy from start to finish. his expertise is unmatched, whether it was day or night, he was always there to address our concerns and questions, we couldn't be happier with our experience.

Arman
07 September 2023

We have been clients of Ralph and his team at Mortgage Choice Neutral Bay for over 10yrs and in all our dealings with them throughout this time we know that everything they do is in our best interests which is incredibly reassuring for a young family. Ralph is always there to answer your questions and provides you with clear messaging which is so important when making a decision of such importance. We... read more

James
29 August 2022

After the great experience we had dealing with Ralph and Susie, I wouldnt go anywhere else for a home loan.

Ben
28 August 2022

Ralph and Susie were a pleasure to work with. Prompt with communication, abreast of all market changes and very proactive. Would absolutely recommend

Stephanie
27 August 2022

I contacted Ralph when I needed to get advice, info and guidance on purchasing my first home. Ralph went above and beyond to insure I understood each step from application to settlement. One of the most important components for me was clear and continuous communication. Both Ralph Susie kept me up to date with everything. They are a very professional team and I highly recommend their expertise.

Tanya
18 July 2021

I enjoy working with Ralph and his team at Mortgage Choice Neutral Bay. Ralph is professional, reliable, trustworthy, has great knowledge of banking industry and is able to find the right loan for his clients. Ralph and Susie are easy to work with and they know what needs to be done and when so settlements happen without delays.

Svetlana
18 July 2021

Ralph provided us with an excellent service. As new home buyers he took the time to educate us and made sure we were completely comfortable with the process We had a very short settlement period and Ralph made it easy and stress free.

Katie
18 July 2021

The first time I experienced the services of Ralph Delaat, was in 2002, when looking for finance on my first investment property. On that occasion, Ralph set the standard to which I have become accustomed.
His understanding of the buying process, including the various different lenders' requirements loan to value ratios, loan serviceability requirements, employment history, etc. meant that he could re... read more

John
18 July 2021

So thankful for the support and advice offered by Ralph. Buying our first home was initially very daunting, he sat with us , was patient and repeated himself many times without getting frustrated, provided education and went over and above to make sure we understood and made informed choices. He also found us such a great rate and mortgage structure that suits us. I highly recommend Ralph and the team, couldn't have asked for a better experience.

Kirralee
18 July 2021

Ralph Delaat is our mortgage broker from Mortgage Choice and we could not recommend him more highly Right from that very first phone call, we were impressed by his communication skills and ability to put us at ease. Ralph is very experienced, knowledgable and able to translate the home loan process into terms we could easily understand. He was extremely responsive and thorough and we feel so grateful... read more

Lauren
18 July 2021

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

Download now

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You could borrow up to

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Based on standard variable rate over years.

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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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Total fees:

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Need help with your next home purchase?

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.