Your local Mortgage Broker providing home loan assistance on the Northern Beaches from Palm Beach to Dee Why and surrounds

Call: 0413 482 492

Andrew is a mortgage broker on the northern beaches, helping clients from Dee Why to Palm Beach find the best home loan to suit their needs. Let us help you.

Call Us Mortgage Choice Newport
Office - 0413 482 492

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

Address

Level 1, 341 Barrenjoey Road NEWPORT, NSW 2106

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Whether you're buying your first home, or implementing your wealth creation strategies for the future, choosing the right loan is getting increasingly difficult, given the number and variety of loans available today. That's why we, your Mortgage broker experts for Home Loans on the Northern Beaches, Dee Why, Collaroy, Narrabeen, Warriewood, Mona Vale, Newport, Avalon and Palm Beach are here to help. Having a wide choice is great, but have you got the time to research them all, and can you be sure in the end that you've chosen the most effective home loan for you?

Andrew helps locals on the Northern Beaches area achieve their home loan dreams. He can help clarify your home loan requirements, and then provide expert advice on what home loans would best suit your needs. He wants you to confidently make informed decisions about what is, for many people, one of the most important steps of their lives.

Furthermore, as your local Northern Beaches Mortgage Broker, he can assist right through the home loan process from meeting at a time and place convenient to you, to liaising with the lenders to ensure that the whole process goes as smoothly as possible.

We can also assist in other areas:

motor vehicle finance
equipment leasing
house and contents insurance
life insurance
deposit bonds
commercial loans

Our residential home loan service costs you nothing. Whether you are buying your first home, refinancing, investing, wishing to unlock some of the equity in your current home, or just wanting to check if your current loan is still good value in today's market, we can help you.

Please contact us directly:

Andrew - 0413 482 492

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

Came back to me quickly after initial call. He was easy to deal with and helped with all steps of the process. I would definitely recommend Andrew

Carolyn
18 March 2024

The whole process of acquiring a pre-approval for my first home loan was extremely easy and stress-free thanks to Andrew. His knowledge, efficiency and friendly approach exceeded my expectations. I would recommend his services in a heartbeat.

Adam
22 August 2023

Andrew is very knowledgeable, friendly and helpful. It's always a pleasure to deal with him, and I always leave with the certainty of receiving the best mortgage advice. I thoroughly recommend Andrew and I thank him for his invaluable support.

Flavia
11 July 2023

Very happy with the outcome and service, thank you

Flavia
06 July 2023

I can't recommend Andrew enough He's been, by far, the best person to work with throughout this entire process. Andrew's professionalism and knowledge really helped us to make informed decisions when choosing the banks, loans, types, etc. From signing the contract to settlement, he worked with REAs and Solicitors, we didn't need to deal with anything. He also supported us throughout the entire onboar... read more

14 May 2023

We heard about Andrew through family and he has not disappointed with his service, he took us on at short notice and assured us that he would help us and he did. We appreciate all his help and communication. Would highly recommend him to family and friends.

Dominic
10 February 2023

Andrew took us on last minute to help us with our loans and he did such an amazing job with what he had , we appreciate all the support he has given us, such great communication Definitely highly recommend his services

Kayla
09 February 2023

Andrew has been incredible helping us with the purchase of our first home. We had limited time to get a loan and he worked so quickly for us. Andrew is also so professional and friendly. Thanks so much Definitely recommend.

Anna
03 July 2022

The advice, service and efficiency of Tiffanie Carter was amazing. She advised me on the cheapest loan. She was there every step of the way, which is important as buying a house can be a harrowing experiece, and she made sure everything ran like clockwork.

Joern
16 December 2017

From the initial enquiry, through and after the purchase, Tiffanie sought to fully understand my requirements and to meet them. Her professional, informative and friendly approach througout the whole process made the experience a much easier and less daunting one. Thanks again Tiffanie.

Maria
16 December 2017

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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.