Mortgage Broker in Manly and Brookvale Northern Beaches

Mortgage broker in Manly & Brookvale, Northern Beaches

Call: 0409 536 097

Looking for a mortgage broker in the Manly, Northern Beaches area? Find the right loan with Andrew Vaughan, your Mortgage Choice broker in Brookvale.

Call Us
Office - 0409 536 097
Fax - 02 9012 0400

Open Hours
7 Days: 8:00am - 6:00pm
After hours by appointment
Free Appointment

Address

Suite 43, 49 Mitchell Road BROOKVALE, NSW 2100

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As your Manly & Northern Beaches home loan expert, I'm proud to look back on more than 15 years as your Mortgage Broker in Manly and know that I've helped hundreds of individuals and families with their home loan needs. And now, I'd like to help you.

With expert home loan advice

At Mortgage Choice Brookvale, we can provide professional assistance across the full range of property finance needs. Whether you're buying your first home, looking at upgrading or building an investment portfolio, I have the skills and experience to find the home loan that's right for you.

What makes us different?

Our home loan service doesn’t cost you anything! At Mortgage Choice Brookvale & Manly, 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.

How can a Mortgage Broker in Sydney help?

Our team will make the process simple and stress-free for you. It all starts with a friendly chat about your property goals and situation with a local mortgage broker in the Manly and Brookvale region.

With an understanding of your needs, I then research home loans from our huge panel of lenders to find the right option which will suit you. I'm dedicated to providing the best customer service, meaning, I'll answer all of your questions and provide the guidance and support you need to make an informed decision. I'll guide you through the whole process

Once the home loan decision has been made, I'll take care of the rest. I'll submit the home loan application, liaise with the lender and keep you informed all the way through to settlement. It is really that simple!

We are passionate about helping our local community find their dream home.

This is what I do and it's what I love to do - helping people to achieve their Northern Beaches property dreams. Pick up the phone and make a time for an obligation-free chat this week! I'd love to help you buy in this beautiful part of the world and as your local Manly and Brookvale mortgage broker, you couldn't be in better hands.

Looking forward to seeing you soon.

What's next?

Book an appointment here or giving me a call on 0409 536 097
Meet with me at our office or at a location convenient to you.
Identify the best options for your unique circumstance.
Relax while I do all the legwork!

We service clients across Sydney and the Northern Beaches, including Brookvale, Manly, Manly Vale, Belrose, Davidson, Frenchs Forest, Forestville, Killarney Heights, Seaforth, Balgowlah, Clontarf, Fairlight, Curl Curl, Freshwater, Queenscliff, Allambie Heights, Beacon Hill, and surrounds.

We are proud to announce that Andrew, your local Mortgage Broker in Brookvale has been recognised in the 2017 MPA top 100 Brokers coming in at #82. MPA's Top 100 Brokers Report is one of the longest-running and most prestigious reports in the industry.

We are also proud to be recognised as one of Mortgage Choice’s top-performing franchises at the Mortgage Choice National Conference. We appreciate the ongoing support from all of our wonderful home loan customers.

Did you know we can also help you with:

Our team of mortgage brokers on the Northern Beaches offer a wide range of services. Check out our short video to find out more!

If you want peace of mind, have one of our Home Loan specialists help you. Book your appointment online today or call Andrew Vaughan on 0409 536 097.

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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Andrew Vaughan provided me with outstanding professionalism and communication throughout the entire loan process and the purchase of my investment property. Andrew is exceptional at his job and made my purchasing experience a great experience.
T Kelly, Mona Vale, NSW
- Property Investor

I just wanted to say a big thank you for all the assistance Andrew Vaughan provided for us with our banking needs. Nothing was ever too much for him and he was happy to help anyway he could, not to forget the late night calls he made to get things sorted! Would highly recommend Andrew to anyone.
P Goshayesh Safa, Hornsby, NSW
- First Home Buyer

My partner and I wanted to buy a small lifestyle block in Central NSW. A friend recommended Andrew Vaughan and had confidence Andrew could handle our needs even though he was 300 km away. After my initial call to Andrew I was adequately convinced he had the skills to assist us and we moved forward with our purchase. The purchase and financing of the loan was not a simple task due to the nature of the property but Andrew cleared all hurdles with consummate ease and professionalism. It was also great to have Andrew, with his up-beat demeanor and can-do attitude, on the end of the line when another hurdle was placed in front of us. We have now spent two weekends down on our property and I have no doubt that without Andrew's assistance, we either would have decided not to purchase the property or would still be trying to sort our finance. Thankyou Andrew!
Aaron Simmons, Milthorpe, NSW
- Property Investor

I consider Andrew Vaughan to be a reliable and well educated mortgage broker who knows his business and products. Using Mortgage Choice removes the hassle of intensive and sometimes frustrating searches over the internet where information is convoluted by sheer volume. Andrew gives detailed and clear responses to my questions and I feel that whatever decision I make at least I have been very well informed.
Ed Porter, Freshwater, NSW
- Refinancer

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.

Download now

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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 Melbourne. Or you can receive a FHOG of $20,000 if you buy/build a new home in regional 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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Mortgage broker in Manly & Brookvale, Northern Beaches

Brookvale

Latest home loan interest rates

As your Manly & Northern Beaches home loan expert, I'm proud to look back on more than 15 years as your Mortgage Broker in Manly and know that I've helped hundreds of individuals and families with their home loan needs. And now, I'd like to help you.

With expert home loan advice

What makes us different?

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.

How can a Mortgage Broker in Sydney help?

We are passionate about helping our local community find their dream home.

What's next?

If you want peace of mind, have one of our Home Loan specialists help you. Book your appointment online today or call Andrew Vaughan on 0409 536 097.

The right home loan for your needs

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