Welcome to Mortgage Choice Gymea, Sutherland Shire. We'd love to be part of your success story.

Call: 02 9525 4544

The multi-award-winning Gymea team of mortgage brokers located in the heart of the Sutherland Shire can help you find the best home loan & financial advice for your personal situation.

Call Us Mortgage Choice Gymea
Office - 02 9525 4544
Fax - 02 9520 7966

Open Hours Mortgage Choice Gymea
Normal Office Hours: 9am-5pm, Monday to Friday. After hours available by appointment.
Free Appointment

Address

105 Gymea Bay Road GYMEA, NSW 2227

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There's nothing we enjoy more than helping our clients realise their property and financial goals, and we'd very much like to help you.

Hi, my name is Ben Herden and I head the experienced team of mortgage brokers at Mortgage Choice at Gymea, heart of the Sutherland Shire.

Keep up to date with the property market, the latest finance tips and what's happening at Mortgage Choice Gymea by visiting & liking us on Facebook here!

I started Mortgage Choice way back in May 1999. A lifetime ago. I still deal with my very first client too! There have been a lot of changes in that time, but I'd say nothing tops the last few years - the Government started restricting lender borrowing limits, and of course, we've all had to suffer through COVID-19 lockdowns. Now we're facing interest-rate increases for the first time in a long time. Hopefully, 2024 will see a few decreases; that would be a game changer.

How Can a Mortgage Broker Help You?

Home Loan and investment lending can be quite complicated, especially with all the changes to credit laws over the past few years, not to mention the saturation of information on the internet. Anyone who has tried in vain to find out what First Home Buyer benefits they can get or how to calculate Capital Gains Tax will agree!

We can help you work out your borrowing limits and quickly and easily get a pre-approval in place for you (and, of course - full unconditional loan approval!). We can also help you get a better deal on your existing loan - even with your current lender! This is the first step. Online "borrowing power" calculators should not be trusted (yep, even ours) as they are not detailed enough to give you an accurate result.

As local homeowners and active participants in the Shire community, there's nothing we enjoy more than helping our clients realise their property and financial goals, and we'd very much like to help you.

Whether it's your first home, an investment property or if you're wishing to relocate to the area or wanting to look at refinancing options for your existing loan, the Mortgage Choice Gymea team and I are here to help.

The Sutherland Shire Team

Finding a home loan or refinancing is something most only do a few times throughout their life, but for my team & I, it's what we do day in, day out. We know the local property market and the broader lending landscape intimately and work with you to find the right loan.

Since 1999, my team and I have helped thousands of clients with home finance. In that time, this office has written well over A BILLION $$$ in home loans in that time! That's a lot of loans.

Our performance in this area has been well recognised. We have been regular winners and finalists of the Mortgage Choice Business Excellence Award, we have won numerous local Small Business Awards, and we are keen contributors to the local community through our work with schools, clubs and the Chamber of Commerce. I have also appeared on TV as an industry expert and I am often consulted on issues surrounding property and investment by various print media outlets.

Providing the best mortgage broker services to our clients since 1999. Our home loan specialists services Cronulla, Caringbah, Miranda, Gymea, Kurnell, Bundeena, Maianbar, Lillipilli, Burraneer, Woolooware, Sutherland - the whole Shire! - we have clients all over the world!! Book your appointment online here or by calling 9525 4544.

ince 1999 the team has consolidated their position as one of the best mortgage brokers in the Sutherland Shire, if not the industry;

Finalist MFAA Excellence Awards
The Advisor Magazine Top 20 Brokers
MPA Magazine Top 100 Brokers
National Multi Operator of the Year on multiple occasions
Mortgage Choice High Flyers Award on multiple occasions
Various State level Mortgage Choice Business Excellence Awards
Sutherland Shire Small Business Awards - Professional Services winner (twice)

Yes, we are very proud of our work and the recognition, but the main reason I highlight it here is to let you know that when you work with us, you are working with a truly local team of experienced and committed professionals. We would love to become a part of your success story, too.

How does the Home Loan process work!

1. Initial Consultation - come in or we can come to you and we'll discuss your goals and circumstances. It's free, without obligation and fully confidential.

2. Loan Choice - we'll assess hundreds of loan products from a broad range of lenders, present you with detailed information, then work with you, answering your questions to help you make the right home loan choice.

3. Application to Settlement - we take the hassle out of the home loan process. We'll complete and submit the appropriate documentation then follow the application through to settlement.

4. Future Needs & Your Protection - as long-term Shire locals and Mortgage Broking professionals, we'll be here for you down the track should you have a question. We care about more than just your home loan. We're with you for the long term.

Hear what some of our customers have to say!

_{Visit us on Youtube for more client testimonials}

Claire Shearman (Refinancer) Gymea, NSW

"Big thank you to Michele and Kylie for your help with my mortgage needs. Changing banks seemed daunting and complex but you made it very easy and talked me through the entire process. Thank you."

Grant McMahon (First Home Buyer) Gymea

"I was lucky to have been recommended to you by my Father. I felt that your approachability and high level of contact made it easy for myself to track the situation. Thank you for your solid effort and hard work."

We're ready to help!

If you're ready to purchase your first home, refinance your existing mortgage or speak to a financial expert about your situation, then give us a call or book an appointment here to set up a time to meet. We can meet at our Gymea Bay Rd offices or we can come to you.

We look forward to meeting you.

Ben Herden and Team

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

Ben and the team have been fantastic for us, across a number of interactions of over a decade.

Highly recommended

Alexander
12 April 2024

Ben and the team at Mortgage Choice Gymea have always provided great service and invaluable advice throughout each of my mortgage processes. Their expertise and dedication ensure a seamless experience. Have used them for over 20 years and will continue to do so and would highly recommend.

Ross
09 April 2024

Comprehensive, reliable, compassionate service. Highly recommended.

09 April 2024

I have used Ben and his professional team on several occassions and have been extremely happy with the outcome. It is always a stressful time organizing finance, buying property, or re-financing but is was made easier with expert advice and experience.
I would recommend Mortgage Choice Gymea highly

brett
08 April 2024

Ben and his team are amazing. They not only secure the best rate but ensured we had the best loan structure for our situation.
Highly recommend.

Ben
08 April 2024

Ben was extremely knowledgeable and helpful. The process was smooth and we would highly recommend him to anyone looking for a mortgage

Angus
04 April 2024

Used Ben and the team at Mortgage Choice Gymea to help us purchase our first home. I can't recommend them highly enough. Professional, friendly, helpful, thoughtful, and thorough - everything you want in a mortgage broker

Craig
01 April 2024

MC Gymea team are the best At least 5 mortgagesloans over last 12 years. They are quick, friendly, and always fighting for best rate. Thank you team

Matt
11 March 2024

To Ben and his team at Mortgage choice gymea, very much appreciated for your help and assistance with my financial commitments, must say again it was great to deal with you Ben,you had time and patience with me, well done mate.

PETER
19 February 2024

Michele and Kylie assisted me with refinancing and property settlement.
The process was easy and the support provided from the team was fantastic.

I'll definitely be using the team in the future.

Brad
12 February 2024

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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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.

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

State / Territorial Revenue Web Sites

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Welcome to Mortgage Choice Gymea, Sutherland Shire. We'd love to be part of your success story.

Gymea

There's nothing we enjoy more than helping our clients realise their property and financial goals, and we'd very much like to help you.

Hi, my name is Ben Herden and I head the experienced team of mortgage brokers at Mortgage Choice at Gymea, heart of the Sutherland Shire.

ince 1999 the team has consolidated their position as one of the best mortgage brokers in the Sutherland Shire, if not the industry;

How does the Home Loan process work!

Hear what some of our customers have to say!

Visit us on Youtube for more client testimonials

Claire Shearman (Refinancer) Gymea, NSW

We're ready to help!

The right home loan for your needs

Client reviews

First home buyer's guide

Help me calculate

Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

State / Territorial Revenue Web Sites

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