Mortgage Broker Frenchs Forest & Northern Beaches

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 Belrose
Office - 02 9401 9244
Fax - 02 8076 3215

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

Address

Suite 3 / 7 Narabang Way BELROSE, NSW 2085

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.

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.

And, as Mortgage Choice brokers, we’re paid the same rate of commission regardless of which home loan you choose from our wide choice of lenders.

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. ~

Google Reviews

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We were very pleased with the service provided by Andrew Perry at Mortgage Choice Manly. We found him highly professional and his manner was extremely approachable and friendly. Andrew kept us regularly updated on the progress of our loan application which we greatly appreciated. We made the right choice in choosing Andrew and would not hesitate to recommend him to our friends and family.

Chris & Caroline, Frenchs Forest, NSW
- First Home Buyer

Andrew Perry at Mortgage Choice Manly provided exceptional care and service throughout our entire home purchase experience. From providing an initial overview as to the best rate for us, he proceeded to manage all parties over a very tight timeline and went out of his way to ensure we exchanged on time. We would not hesitate to recommend him.
Linda & Michael, Seaforth, NSW
- Upgrader

Andrew helped us refinance our current loans and we have used Andrew subsequently to build an investment property portfolio. Based on his flexibility with my time, ease of all the paperwork and thoughtful advice challenging my pre-conceived views, I would highly recommend Andrew Perry with your refinancing or investment loan needs.
Derek & Dale, Frenchs Forest, NSW
- Property Investor

Andrew was the only person we talked to about our mortgage options. From the outset we had confidence that he had a deep understanding of the market and what we would need to do to get a good deal. We considered a few different structures and providers and Andrew helped us with the pros and cons of each option. As first time buyers from overseas Andrew helped us navigate the tricky course that can come with buying a house in Australia. Andrew also introduced us to a number of other independent providers who offered a great service and helped us to secure the house that we were after.
Simon & Rachel, Balgowlah, NSW
- First Home Buyer

Thanks to Andrew from Mortgage Choice for making buying our first home so easy! We really appreciated Andrew being so friendly, professional, and taking countless calls to help us understand the process. Buying your first home is very complicated when you've never bought property before, Andrew helped us all the way, and made us feel comfortable with the process. We have already recommended him to all our friends!
Matt & Shelley, Killarney Heights, NSW
- First Home Buyer

Andrew is an outstanding mortgage broker - he was able to secure commercial loan funding at a very competitive rate. He is honest, transparent and a very effective communicator. I would not hesitate to recommend Andrew Perry at Mortgage Choice.
Craig Howard, Managing Director Impress Designs, Frenchs Forest, NSW
- Property Investor

Many thanks again for being our major sponsor for our very first Northern Beaches Youth Drawing Prize.

We were absolutely wrapped with the way the event went. We had 130 entries, representing 34 schools and 107 finalists which were of an impressive quality. More 800 people visited the exhibition over the 9 days and most finalists cannot wait for next year's event.
George Katos - If u like Art Studio, Brookvale, NSW
- Upgrader

I am thoroughly grateful to Andrew for all his assistance in securing me a loan in a timely fashion that allowed me to bid at auction on the property that I am lucky enough to now own. Andrew really went out of his way to meet me and secure documentation in time for the auction and to follow up with banks and other organisations to ensure I got the loan required to complete my purchase.
I would highly recommend his services to anyone looking to secure an appropriate loan to purchase property.
Helen, Manly, NSW
- Upgrader

Thank you very much for your patience and assistance with our recent Loan Application.
With your immense persistence, the Bank eventually came up with the goods.
Thanks again. I will take pleasure in recommending you to my family and friends.
Karen & Gordon, Collaroy Plateau, NSW
- Refinancer

As you know we had no luck dealing with the banks and we were somewhat disillusioned with the process when you stepped in. We now have our 2nd investment property and the consolidation of our personal finances has given us the freedom that we need at this time.

I will definitely be recommending your services and if all goes to plan I look forward to working with you on our next investment property. Thanks for all your assistance and great work!
Nick & Tracey, Frenchs Forest, NSW
- Property Investor

I just wanted to shoot you a quick email to express our gratitude for all the help you have provided getting this point.

Whilst this was a new experience for us, you took the time to explain things clearly and provided hands on help wherever you could, making this as smooth as process as it has been.

We cannot thank you enough, as this has secured our first family home and I would have no hesitation in recommending you to anyone else trying to enter the market.
Christiane & Mitchell, Balgowlah, NSW
- First Home Buyer

Thanks for your support, professionalism and guidance Andrew on the right mortgage to suit our family’s needs. Shannon and your communication and updates over the past few weeks were great and kept us in the loop on the progress of our mortgage - an excellent job by you and your Mortgage choice Manly team!
Justin & Philippa, Killarney Heights, NSW
- Refinancer

Thanks Andrew Perry at Mortgage Choice, we really appreciated the expert guidance and support that you and your team gave us throughout the process - we're grateful for your personal attention to helping get us over the line, and making a complex process (at least it seemed so for us beginners) as straightforward and painless as possible - and with a successful conclusion.
Daniel & Pernille, Balgowlah, NSW
- Property Investor

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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 $176,000 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.

The Territory’s First Home Owner Discount has been in place since 8 February 2019. It lets you save up to a maximum of $18,601 on the cost of stamp duty. The savings is available whether you buy a new or established home as long as the home is 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 $15,000 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 $400,000 or less for your block. Whereas if your first home is valued up to $500,000, you pay zero stamp duty. That’s a saving of $8,750, 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 $505,000, you pay stamp duty of $1,050, a saving of $7,875. These savings cut out altogether if your first home costs $550,000 or more. On a property valued at $550,000, for example, the stamp duty would work out to be $10,600.

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 or build a brand new home. You can choose from a house, apartment, townhouse or villa, but you will only be able to claim the FHOG SA if you pay below $575,000 for your home.

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 $20,000 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.

Click here for more information on the WA First home Owner Grant.

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Your Award Winning Mortgage Broker in Frenchs Forest & Northern Beaches

Belrose

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

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

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

How can Mortgage Choice Frenchs Forest help?

What Makes Mortgage Choice Frenchs Forest Different?

Supporting a great cause!

The right home loan for your needs

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