Your Award Winning Mortgage Broker in Frenchs Forest & Northern Beaches

Call: 02 9401 9244

Get expert advice from your award winning mortgage broker in Frenchs Forest and the Northern Beaches. Talk to us today to find the right loan for your needs.

Call Us Mortgage Choice Hornsby
Office - 02 9401 9244
Fax - 02 8076 3215

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

Start your home loan journey today

Let our experience work for you. Andrew and his team have over 30 years of finance and banking experience.

Combined with extensive risk and credit experience, we can help you can make informed financial decisions.

Andrew and his team make it simple and hassle-free to find the best home or investment loan for your needs by:

Completing the paperwork and doing all the running around for you.
Meeting you at a time and place that is convenient for you.
Finding finance solutions for the simple to more complex borrowing structures.
Providing support and guidance throughout the entire loan process.
Ensuring you are given ongoing support for your existing and future home, personal and business finance needs.

With access to over 20 of Australia's leading banks and lenders, as your local Mortgage Choice broker, we can personally assist you to compare hundreds of products to help you find the best loan for your situation.

We can help you with Home Loans, Investment Loans, Refinancing & Business Loans now and into the future. We pride ourselves on providing a consultative personalised service to all of our clients located across the Northern Beaches.

Figure out how much you could borrow for your next property with our home loan borrowing calculator.

Recently awarded:

Mortgage Choice Business Excellence Awards for NSW/ACT April 2018 - Single Operator Winner
Customer Service Excellence Award Winner - Mortgage Choice NSW/ACT December 2014
Mortgage Choice Business Excellence Awards for NSW/ACT March 2014 - Rising Star Winner

If you're ready to start the home loan process, simply call Andrew on 02 9401 9244 or 0412 498 872.

Servicing but not limited to the following areas: Manly, Manly Vale, Seaforth, Balgowlah, Balgowlah Heights, Allambie, Allambie Heights, Curl Curl, Brookvale, Frenchs Forest, Belrose, Davidson, Killarney Heights, Forestville, Freshwater, Fairlight, Clontarf, Queenscliff and Beacon Hill.

AU18+ only. Ends 6/12/24 11:59pm AEDT. Limit 1 entry per person. State/Territory prize groups: NSW/ACT, VIC/TAS, QLD, WA, SA/NT. T&Cs apply, see http://www.mortgagechoice.com.au/win-30k/. Mortgage Choice Pty Ltd ACN 009 161 979 (Australian Credit Licence 382869) and Smartline Operations Pty Ltd ACN 086 467 727 (Australian Credit Licence 385325) are owned by REA Group Ltd.

How can Mortgage Choice Frenchs Forest help?

Andrew and his team at Mortgage Choice Frenchs Forest can help you track down and arrange the best available home, personal and commercial finance to suit your needs:

We are committed to providing a high-quality level of personalised service to make the finance process as simple and certain as possible for you.

What Makes Mortgage Choice Frenchs Forest Different?

Our home loan service doesn’t cost you a thing!

At Mortgage Choice Frenchs Forest & Northern Beaches, 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.

Supporting a great cause!

For every loan Andrew processes, he will donate a percentage of his commission to Guide Dogs Australia. Supporting Mortgage Choice Andrew Perry provides the opportunity to give back to a very worthy cause. If you need to speak with a home loan expert, please reach out to Andrew on 0412 498 872.

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

Andrew worked so hard to get us a great loan. He was kind and patient walking us through our first home purchase, and navigated an application that wasn't straightforward with a fantastic result. He is thorough, responsive, and a delight to work with. We are so grateful for you, Andrew

Jordan
18 August 2024

I recently purchased a property and Andrew assisted in finding the best mortgage deal for me. Not only was he very thorough, but he explained everything in very simple and easy to understand terms, which made the usually complicated process very seamless. It was an absolute pleasure in dealing with Andrew, I would highly recommend his services.

Brett
27 December 2023

Andrew was an absolute pleasure to work with and I highly recommend.

Angus
19 November 2023

Andrew has been advising us on our mortgage for several years now, he is always looking to help us and ensure we get the best mortgage deal. I would thoroughly recommend his services and the quality of the advice he provides.

Damian
19 October 2022

Andrew made the process of obtaining preapproval and then finalising our home loan very easy. He came to us pre COVID to inform us about the process and how to best organise our personal finances, patiently renewed our preapproval a few times as it took so long for us to find a home with no stock around, and then liaised with our lender and conveyancer to ensure a smooth settlement. I have already referred friends to him.

James
16 September 2021

JULY 2021.

We have partnered with Andrew and his team for five years to assist with our mortgage solutions. When I say partner, you will read more about how Andrew is part of our inner sanctum of trusted advisors when it comes to finance.

Andrew constantly checks in with us to ensure we are receiving the best deals in the market and always available to discuss options and provide advice. His service... read more

Dave and Lu
06 September 2021

Andrew was a great help in refinancing my investment loan. His responsiveness and depth of knowledge was impressive.

Matthew
17 July 2021

My wife and I cannot recommend Andrew highly enough. Fast reponses from he and his offsider, Monica, during the entire process. They got our loan approved in quick time and with great interest rates. 5 stars

Grant
17 July 2021

My family and I have been incredibly impressed with Andrew Perry and his team over the past 5 years. They have helped us with our property financing and general financial interests and their level of service, care and support has been exceptional. Andrew is a true professional and we always feel he is looking out for our best interests, in a friendly and supportive manner. We are happy to recommend him and his team.

Rob
17 July 2021

Excellent service provided. Andrew took the time to understand our needs made some really useful suggestions re our loan structure. He made the process very easy, with clarity about lenders and their criteria that quickly narrowed down the best options for us.
Andrew his Mortgage Choice team were happy to answer questions throughout the process, which went very smoothly. We recommend his services without reservation

17 July 2021

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You could borrow up to

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/ month
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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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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.

From 09 May 2024, if you buy a home costing up to $450,000, no stamp duty is payable at all. If the value of your home is between $450,000 and $600,000, you’ll be entitled to a reduced rate of stamp duty.

There are no additional concessions for homes valued above $600,000 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.