
Lidia Smetanin
21 Apr 2021
5
Mortgage Choice Dee Why and specifically James Algar and his team, were incredible from start to finish. James was particularly knowledgeable about home lending for a small busi...
Mortgage Choice in Dee Why 
Brad Anderson joined Mortgage Choice in August 1999 and has recently been joined by James Algar. With over 30 years combined experience, the award winning team has arranged loans for well over a 1000 satisfied home buyers in the Northern Beaches.
Why choose Mortgage Choice? We specialise in all forms of Residential Lending including:
We take the time to understand our clients' short and long term property goals & keep them informed at every step of the loan application process. We make the whole process easy and convenient, meeting to discuss your options at a time and place that suits you. Then we take care of all the running around, submitting the loan application on your behalf and liaising with the lenders, your Solicitor/Conveyancer and Real Estate Agent. Put simply once you have signed the loan application you leave the rest to us.
We get paid the same rate no matter which home loan you choose from our wide choice of lenders. This ensures we have your best interests at heart.
We also embrace a customer for life philosophy. This means our team will take great care of you not only during the loan approval process but way into the future well after your loan has settled. We will keep in regular contact with you through both the phone & email & we will regularly review your loan to ensure you always have a product that best fits your changing needs.
To make an appointment simply call Brad on 9984 0728 or click the Contact us tab to arrange an appointment.
Mortgage Choice in the Northern Beaches services the suburbs of Terry Hills, Collaroy, Dee Why, Narrabeen, Warriewood, Mona Vale, Bayview, Scotland Island, Newport, Avalon, and Palm Beach.
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. ~
21 Apr 2021
Mortgage Choice Dee Why and specifically James Algar and his team, were incredible from start to finish. James was particularly knowledgeable about home lending for a small busi...
07 Apr 2021
All the team of Mortgage Choice, especially James alway go above and beyond to help us get to our property goals. I have used them for 10 years and would recommend them to every...
21 Jan 2021
I can honestly say James and the Mortgage choice Dee Why crew provided probably the best service i've ever experienced. I was blown away with how hard they worked on my (unique...
14 Dec 2020
James is a very professional operator who is always looking out for the client and finding the most attractive and flexible deal. Very responsive and nothing ever a problem. Hig...
01 Dec 2020
Brad and the team at Mortgage Choice were amazing. Could not recommend them any higher! Brad was so flexible, always helping us with different financial scenarios. Nothing was a...
15 Nov 2020
James and the whole team are fantastic. They're so helpful and genuinely lovely people. Nothing is ever too much trouble and they work very hard to ensure everything runs smooth...
19 Oct 2020
Great Service from start to finish.
08 Oct 2020
Brad Anderson, Tiani Cantwell and the whole team at Mortgage Choice Dee Why were so helpful and professional while assisting me with my home loan, they made the whole experience...
30 Sep 2020
I began my first home buyer's journey knowing nothing. Brad Anderson from Mortgage Choice explained everything in crystal clear detail and worked tirelessly to ensure I had the...
10 Sep 2020
Brad Anderson and his assistant Linda were fantastic in keeping me up to date with the transfer of my loan. The bank was taking some time to process this but their service was...
28 Aug 2020
It's always a pleasure dealing with Mortgage Choice in Dee why. Not only is the service outstanding but a great experience overall. I highly recommend Brad and his team.
17 Aug 2020
James and the whole team at Mortgage Choice Dee Why were amazing from start to finish. We wanted to refinance our home loan and not only did they get us a great deal and save us...
10 Aug 2020
James and the team at Mortgage Choice were fabulous. James was an absolute pleasure to deal with and went above and beyond to take care of everything I would highly reccomend M...
02 Jul 2020
Our experience working with James Algar and the team at Mortgage Choice Dee Why was excellent! As first home buyers it was incredibly helpful to have someone explain all of the...
17 Jun 2020
Brad and Linda are terrific. Nothing is too much trouble. They explain the technical stuff clearly, respond promptly and keep you in touch with what's going on. And using their...
15 Jun 2020
My partner and I first met with James to discuss the possibility of buying a property without much knowledge of the process at the time. Within 10 days we managed to secure one!...
11 Jun 2020
Being a property buyers agent, I deal with mortgage brokers quite regularly. My recent business undertakings with James have been beyond that typically expected of a mortgage b...
04 Jun 2020
I have now secured two home loans through Mortgage Choice in Dee Why, and in both instances James Algar and the team were incredibly professional. James managed to get rates and...
05 May 2020
Brad Anderson was fantastic at helping us find the best loan and explaining the process and all our questions ! I would recommend him and his team to anyone especially first tim...
27 Apr 2020
James and the team at Mortgage Choice, Dee Why, went above and beyond any expectations we had. They were always in contact with us to let us know the status of our applications...
27 Apr 2020
Awesome experience ! Thanks guys !!
16 Apr 2020
We cannot thank the team at Mortgage Choice Dee Why enough for all of the help you gave us during the ordeal of obtaining finance for our new home in Warriewood. We were very im...
07 Apr 2020
I have been using Brad Anderson as a mortgage broker for myself and my family for 20 years. He always goes above and beyond to look after his clients. Better than 5 stars!!
02 Apr 2020
James and the team were very impressive and ensured our house mortgage process was smooth and didn't add to the stress associated with buying a house. James is very knowledgable...
24 Mar 2020
I highly recommend Brad and the team from Mortgage Choice. They go above and beyond, exceeding expectations and made the whole mortgage experience smooth, looking after any diff...
23 Mar 2020
This is now my 5th investment property which I financed with Brad Anderson from Mortgage Choice in Dee Why. The last one was the most tricky one and Brad did the magic and got i...
20 Mar 2020
Brad and his team worked hard to get us a great deal. Would definitely recommend working with these guys.
26 Feb 2020
James has been amazing broker for us when we bought our house. He has helped us even if he wasn’t at work or away from his desk. He was easy to reach when you need help or want...
23 Feb 2020
We have utilised Brad’s service twice now over the past 10 years. He knowledge and professionalism is invaluable in a stressful time and we always find his advice accurate.
04 Feb 2020
James has been amazing Broker for us. Top service and great results. Very diligent and works hard to get his customers the best deal and a loan that best fits. I’ve recommended...
21 Jan 2020
Excellent service, super quick and nice and simple process. Thanks Brad and Tony
13 Jan 2020
I cannot speak highly enough of our experience with James and the team at Mortgage choice Dee Why. James is extremely knowledgeable and helpful with any questions we had, and cl...
Thanks so much for all your help in getting our first home! We really appreciated your patience in answering our numerous questions, your advice and your commitment to helping us. We'll definitely recommend you to others!
Best wishes.Anina & Mark, Dee Why, NSW
- First Home Buyer
Since our refinance was approved the weight of the world has been lifted from our shoulders and it is all thanks to you, your professional attitude and your kindness during such a stressful period in our lives and is very much appreciated.
Janelle & Graeme Glover, Mona Vale, NSW
- Refinancer
A little note to thank you once again for organising another loan for us, so swiftly and stress free. We are very appreciative and thank you very much.
Joe & Jenny Gatt, Avalon Beach, NSW
- Upgrader
I've had the pleasure of using Brad Anderson's services a couple of times. I always feel very confident and in safe hands dealing with Brad at Mortgage Choice. His knowledge, advice and diligence make the whole loan application process a breeze. I certainly would look no further than Brad and his team at Mortgage Choice Dee Why and would be happy to recommend him to friends and family.
Cheryl Park, Newport, NSW
- Property Investor
Couldn't have been happier with the team at Mortgage Choice. They made the whole process painless. I'd recommend them to anyone.
Troy Mulligan, Mona Vale, NSW
- Property Investor
Brad has been managing my home loans now since I bought my first property back in 1999. Brad has been a great support to us over the years which has been greatly appreciated. I would recommend Brad to any of my family or friends.
Michael Brown and Lee Williams, Collaroy, NSW
- Property Investor
Knowing nothing about finance I found Brad a wealth of information. I felt as if he only had me as a client and had my best interests at heart. Giving me the best deal I could possibly get. Always patient with my novice questions, explained everything I needed to know. Professional and always followed through!
Debra Van Der Sluys, Dee Why, NSW
- First Home Buyer
We cannot recommend Brad's services enough. He was professional and communicated exceptionally well. He made the process of securing the best home loan possible hassle free. He worked exceptionally hard for us and we would never use another broker but Brad.
Gary and Stephanie Weir, Bilgola Plateau, NSW
- Upgrader
We had been putting off refinancing our mortgage because we were expecting it to be a real chore to switch banks. I shouldn't have worried. James at Mortgage choice made it so easy. He kept us updated regularly and helped secure a great mortgage.which saves us a heap of money each month. I would highly recommend Mortgage Choice Dee Why. Don't put up with crippling rates a minute longer.
Michael & Kirsty Cardiff, Lovett Bay, NSW
- Refinancer
You can't improve on the best!
James at Mortgage Choice is always amazing. James makes everything so easy and he has everything organised so quickly. James always makes time for us and takes the time to make sure we understand every little detail. James provides the very best service. I recommend him to everyone.Danny & Kylie King., Mona Vale, NSW
- Refinancer
Based on standard variable rate over years.
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Talk to an expertBreakdown | Amount |
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Need help with your next home purchase?
Talk to an expertFrom 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.
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
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.
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.
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.
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.
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.
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).
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.
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.
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.
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.
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.