Award Winning Mortgage Brokers and Home Loan Experts in Neutral Bay, North Sydney & Mosman

Call: 0414 242 924

At Mortgage Choice in Neutral Bay, we're committed to making the search for a great home loan easy for you. Our Mortgage Broker team do all the shopping around and research from over 25 lenders to find you a loan that's as good a fit for you, as the property itself.

Call Us Mortgage Choice Neutral Bay
Office - 0414 242 924
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

Latest home loan interest rates

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Support from Neutral Bay's local award winning team

When it comes to choosing your home loan, the expert support from our Mortgage Broker Neutral Bay & North Sydney team can be the key to securing the right loan for your next purchase.

The trouble is, the thousands of home loans available can make it almost impossible to know which loan is right for you. This makes our job as your local Mortgage Broker Neutral Bay team that much more important! We can sift through all the options and help you find the right home loan for you.

Check out our lowest interest rates

The right loan matters

Your home loan is an important step in your finances, so it's important to get it right. As your local Mortgage Broker Neutral Bay team, we do the shopping around to find a home loan that is as much a good fit for you as the property itself.

Our Mortgage Broker team work with an extensive panel of over 25 lenders, including Australia's biggest banks and some specialist lenders. By taking your circumstances into account, we can pinpoint the home loan that is right for your budget and your lifestyle.

We will research the market, understand your individual circumstances and find a home loan tailored to fit your situation.

Simplifying the loan application

Understandably, many of our customers find the home loan application process a bit daunting. The best part about using our Mortgage Broker Neutral Bay & North Sydney team is that you're not doing it alone. In fact, we'll do all the paperwork & application for you!

Our team will even act as your point of contact with the lender, keeping you posted on the progress of your application at every stage – right up until you celebrate the settlement of your loan.

Our home loan service is no cost to you

Like many mortgage brokers, our service is no cost to you as the lenders pay us after the loan settles.

Our Mortgage Broker Neutral Bay team

With over 32 years of experience in the finance industry as a home loan & property expert, Stephen Lemm - along with his team in Neutral Bay, North Sydney & Mosman, are the perfect choice to help you with your next home loan.

We are able to help you remotely during lockdown via phone or video! When we open back up again we would love to see you at our office on Ben Boyd Road in Neutral Bay.

Call Stephen & the Mortgage Broker Neutral Bay team anytime on 0414 242 924. We can't wait to help you with your finances! It's what we love to do.

Email Stephen directly

^{Our Mortgage Broker Neutral Bay team service the areas of: North Sydney, Kirribilli, Cammeray, Mosman, Neutral Bay, Cremorne & surrounds.}

Read more of our customer reviews

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

Nothing is too hard for Stephen and his Mortgage Choice team. He fights hard for his customers, and has the experience and commitment to find them the best deal possible. I highly recommend Stephen to you if you are looking for a new home loan.

Grant
24 February 2024

Stephen was a pleasure to deal with. Excellent knowledge and lots of patience.

Simon
07 December 2023

Stephen and his team are doers - and they get it done. So pleased to have had my finances successfully reorganised with the banks by this team. Add to that that theyre friendly, engaging and dedicated to getting you results for your requirements. Id recommend to my network without hesitation. Thank you guys

22 October 2023

Stephen and Shannon from Mortgage Choice were fantastic, from guiding us on the right loan to answering a number of silly questions from myself on the process. Would recommend them in a heartbeat

Peter
02 July 2023

Steve Shannon went above and beyond with a challenging transaction to say the least. I would highly recommend

Ryan
12 April 2023

Stephen and the team at Morgage Choice have been amazing in helping me find a better deal and re-mortgage.

Mark
09 March 2023

We have used Ralph at Mortgage choice Neutral bay for 3 properties and wouldnt go to anyone else. He is very professional, knowledgeable and fun to work with. He gets to know each of his clients and finds the best deal for each individual situation. Ralph is very patient and explains complex topics very well to the lay person. We trust Ralph and his team implicitly and would recommend him to anyone.

Stephanie
20 December 2022

Thank you John We highly recommend his services, he was 100 committed to helping us secure our finance in a very short time frame. Keeping us updated constantly and felt his absolute support the whole way along.

Katherine
29 November 2022

Stephen Lemm and his team delivered a professional and personal service in finding the right finance for our home.I cannot recommend them enough.

Rui
05 October 2022

Stephen, Shannon and the team were fabulous. Always very responsive. We'll definitely be using them again when we refinance. Thank you

Ellen
26 July 2022

First home buyer's guide

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process.

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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.

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.