Mortgage Broker Servicing the Mosman, Neutral Bay, North Sydney, Cremorne and Surrounding Areas

Call: 0468 389 041

Need help with your finances? Talk to Christine Ling in North Sydney and Mosman for home loans, car loans, business lending, financial advice and more.

Call Us Mortgage Choice Mosman
Office - 0468 389 041

Open Hours Mortgage Choice Mosman
Mon-Fri 9am-6pm
Free Appointment

Mobile Broker

Mosman, Neutral Bay, Cremorne, North Sydney, Cammeray, Kirribilli, Waverton

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Start your home loan journey today

At Mortgage Choice in Mosman, we focus on helping YOU make informed decisions to lead to YOUR Financial successes. For this reason, there is NO CHARGE TO YOU for our home loan service as the lenders pay us.

Christine Ling has 15+ years experience in various industries in Financial Management. We understand every clients are unique and need a personalised solution. As a Mortgage Specialist and Qualified Accountant, Christine is here to help you understanding your options, provide strategic advise and a personalised solution.

Our Services

Mortgage Choice in Mosman offer professional financial advice and broking services in:

Home Loans
Investment Property Purchasing
Refinancing
Debt Consolidation
Free Home Loan Health Checks/Reviews
Home Equity Finance
Finance for Renovating or Upgrading
Guarantor Loans
Fixed, Variable and Interest Only Loans
Car Loans
Purchase of New Cars
Business Asset and Equipment Finance

We can also provide assistance with:

Home, Contents and Landlord Insurance
Commercial and/or Business Loans

Contact Details

We are open Monday to Friday during business hours and Available for appointments after hours.

M: 0468 389 041

E: christine.ling@mortgagechoice.com.au

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

Can't praise enough... They go above and beyond all the time to find the best rate.

Deepanjan
17 January 2024

Christine has been absolutely amazing. She has been extremely helpful through all of our loan applications. She is responsive to any and all questions we have and ensures she explains the process clearly. The process has been so easy and stress free with Christines guidance. We would highly recommend her

Sarah
23 November 2023

Christine is an exceptional broker Made the entire process of buying my first property stress-free and very efficient. Have already recommended her to so many friends and family. Excellent, quick and thorough communication Thanks Christine

Ali
24 May 2022

This is to express my appreciation of Christine's high professional standard, very knowledgeable, friendly and extremely helpful.
I highly recommend Christine to anyone looking for a mortgage and refinancing.

Sarah
24 March 2022

Christine is a miracle worker who has saved me a HEAP on my mortgage. She is diligent, efficient and always polite and helpful. I couldn't recommend her more

Brad
23 September 2021

Words cannot express how impressed I am with Christine's work as a mortgage broker. She is the best I have come across in the 30 years of sourcing business and personal investment finance.

Marcus
23 September 2021

Thank you Christine for your knowledge and assistance with my home purchase. Christine had a flexible approach and was genuinely able to get me an outcome I would not have achieved by myself. I will definitely be coming back if I require those services in the future.

linda
23 August 2021

Christine was amazing in every aspect of our home loan application. She was the above all the most responsive broker we ever dealt with and knew how and when to make the next step. Im talking hand held guidance.
Thank you again, in our case was simple...no Christine, no home loan.
You will have us as customers again 100

Lars
23 June 2021

I wouldn't hesitate to recommend Christine, she's knowledgeable, patient and courteous. She made the whole process easy to understand and I'm extremely happy with the outcome.

Wendy
23 June 2020

Christine made the whole process so at ease and help us refinance the work truck into a far more beneficial price and now we have a better cash flow in business. Thanks heaps Christine and for all your hard work. Ross

ross
23 June 2020

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

Download now

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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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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.

Mortgage Broker Servicing the Mosman, Neutral Bay, North Sydney, Cremorne and Surrounding Areas

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