Your Local Mortgage Choice Home Loan Expert in Ryde, Marsfield, Eastwood & Epping

Call: 0432 020 130

Looking for a home loan? Talk to Daniel Jin, your local Mortgage Choice broker from Ryde NSW. Let us research and compare more than 20 lenders for you.

Call Us Mortgage Choice Wahroonga
Mobile - 0432 020 130
Office - 0432 020 130
Fax - 02 98691144

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

Hi, my name is Daniel, your local Mortgage Choice franchisee in the Ryde area.

I’ve worked in the finance industry since 2008, and bring a strong customer service ethic to every client that I work with.

As your local mortgage broker in Ryde I can help you;

buy your first home,
refinance your current home loan to get a better deal,
finance an investment property;
or upgrade to a new home if you’ve outgrown your current home.

As a Mortgage Choice broker I can access hundreds of loans from our panel of over 20 Lenders. If you’ve not reviewed your home loan for some time now would be a great time to do so. Many of the lenders I work with are offering great rates and are all ready to compete for your business.

As a mobile broker, I’ll meet with you to understand your needs, take care of all the paperwork, lodge the application and liaise with yourself and your solicitor all the way through to settlement.

The best compliment that my customers give me is by referring their family and friends to me. I’d love to hear from you!

My service extends well beyond just home loans and mortgage broking. I can also assist you with life insurance, referrals to property investment specialists, referrals to financial planning, deposit bonds, general insurance and car loans.

Contact me know by completing the form above all call me direct on 0432 020 130.

Servicing: Ryde, Gladesville, Woolwich, East Ryde, Hunters Hill, North Ryde, West Ryde, Denistone, Melrose Park, Tennison, Meadowbank, Eastwood, Marsfield, Epping. Macquarie Park, and Eastwood

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

My partner and I had an outstanding experience with Daniel. From the moment we contacted him, he provided a warm and welcoming atmosphere. His extensive knowledge of the local housing market was impressive, and he guided us naive first home buyers through the complexities of mortgages with patience and transparency.
I think what truly set Daniel apart was his dedication to ensuring we made informed deci... read more
Jacqueline
16 July 2023

Thanks very much for the help from Daniel. Always very Nice and Patient To setup a new contract, he always organized a meeting and explained the details of contract to us. Meanwhile, he gave us a lot of support beyond the home loan. We spent several months looking at the market before securing one. quite many times talked to him with properties info. We always got very quick response from him. Highly recommend him from us
LIXIN
15 May 2023

Thank you so much to you Daniel and your team for all your work. You have made a very stressful process so much easier. We very much appreciate the patient support and late nights returning our emails. We will definitely be coming back to you again in a couple of years to do it all again
Highly recommend for top service, detailed but clear explanations, very fast replies to queries, assistance and knowledge.
Debs
03 February 2023

Daniel made it very easy to refinance my mortgage. He is very knowledgeable and follows through with all the requirements and documentation quickly and thoroughly. It has been such a pleasure dealing with Daniel.

03 December 2022

Daniel was very professional and efficient in helping us secure our home loan. He'd often go out of his way to get approvals and documents. He really knows his way around the business. I highly recommend Daniel to anyone who needs a mortgage broker. Thank you Daniel for all your hard work.

02 August 2022

Daniel is an exemplary mortgage broker. He is proactive to the core and understands clients needs and urgencies with utmost care and professionalism. It was a peace of mind to have him deal with the complexities of the process in a short period of time over a not so vanilla deal. I wish more brokers were like him who understands and delivers top notch customer service. Thank you Daniel.
Soumajeet
18 May 2022

Daniel works so hard at all different times of day and night. He knows what his customer needs are and listen very patiently and strive very hard to achieve from the panel of lenders he deals with. I was involved with my Son's house purchase and we would certainly recommend DANIEL's service to anyone looking for any type of finance.
Please do not waste any time looking for a Broker, just call or email D... read more
Praba
16 January 2022

Personally, I didn't trust home loan broker in the past but Daniel is the game changer. He is the best broker you can find in Sydney. Highly recommended
Amy
17 December 2021

Daniel went above and beyond to help us in what ended up being quite a complicated scenario. He was knowledgeable and always very quick to respond. We will definitely use him again
Beth
17 December 2021

Daniel helped us to select the correct home loan and guided us from the beginning to the end of the journey to ensure our refinance process competes smoothly without any hassle to us. He is very proactive, attentive and understanding the clients needs. He exhibited his professionalism throughout the transition of our home loan. This is the second time we engaged Daniel to select a lender. Without any doubt we can highly recommend Daniel Jin to anyone who is looking for a mortgage broker.
Sankika
17 October 2021

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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 $650,000.

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.

Your Local Mortgage Choice Home Loan Expert in Ryde, Marsfield, Eastwood & Epping

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