Charles L
18 May 2022
Mark and Monica did a great job with getting my applications through at a time when rates were rapidly rising.
Expert mortgage broker team
Our aim is to help you by making the process of finding the right loan easy. Using a personalised approach, we'll work with you to find out what your needs are, then recommend the best product to suit you.
Work smarter, not harder
We go the extra mile to manage the paperwork and lender chasing from start to finish. Our fantastic lender relationships mean that we will always be well-placed to advise the most cost effective and streamlined loan solution for you.
No cost to you
Our business receives payment from the lender, so there is no payment required from you for our service.
Your journey with us starts with a one-on-one initial meeting where we'll plan a long-term wealth strategy with you against your goals before using our product and lending structure knowledge to find the best finance options for you.
Advice for first home buyers
Finding the best home or investment property loans
Refinancing
Commercial or equipment loans
Motor vehicle loans and leases
Mortgage and income protection insurance
Debt consolidation
Conveyancing
Buyers Agent services
Investment Property research and selection services
Accounting services
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. ~
18 May 2022
Mark and Monica did a great job with getting my applications through at a time when rates were rapidly rising.
17 May 2022
Mark and his team were excellent. Aware of the time sensitivity of our purchase and sale, Mark acted quickly to ensure that the funds were available in time and kept us up to da...
25 Mar 2022
Great team. Hassle free process. Would recommend.
31 Aug 2021
Steve and his team were very helpful and assisted us through multiple options in a volatile market which caused us to shift strategies a few different times. He offered advice f...
21 Aug 2021
Excellent & professional! Thanks Steve and the team for helping us from the start to finish. Strongly recommend!
31 Jul 2021
I highly recommend and thank Steve and Monica with my home loan application. They helped my sister who recommended me to him and did not disappoint yet again. The first property...
29 Jul 2021
Thank you Steve and Monica for making my first home purchase such a breeze! Steve is an absolute professional and his friendly nature helped take the stress out of obtaining my...
18 May 2021
Steve has been fantastic broker - he really took the time to consider options and provide a strong recommendation that met our needs. Also the loan settlement process was seamle...
13 Apr 2021
Steve really assisted us (and continues to do so!) as first home buyers. His knowledge surpasses that of his peers and his professional and friendly attitude meant that he made...
25 Mar 2021
Can't thank Steven and the team enough for all of their help! Went above and beyond to help us out - nothing was too hard. Steven took the stress out of the whole process. We ar...
18 Jan 2021
Steven took the time to evaluate every aspect of my needs to ensure I felt comfortable and didn’t let me leave the office until this was the case. He takes tremendous pride in g...
13 Dec 2020
My second time working with Steve and Monica. Once again they were extremely helpful in dealing with the details of the financing for our family purchase and sale. Very professi...
08 Oct 2020
Great experience with Steve and Monica. Helped me with choosing the best home loan for my new apartment and assisted me with any issues from start to settlement.
25 Sep 2020
We had a complex property purchase situation and we really appreciated Steven and Monica's guidance and responsiveness to get the deal across the line - particularly with urgent...
25 Sep 2020
We recently made our first property investment and we are grateful to Steven and his team for looking after us so well during that process. He was able to explain the whole proc...
21 Jul 2020
We have worked with Steven (and Monica) a couple times before and just again this year with some helping in refinancing our mortgage. They are absolutely flawless, providing out...
14 Jul 2020
We had a fantastic experience with Steven, and Monica for their highly professional services throughout the journey to purchase our lovely first home. Thank you guys for your pr...
14 Jul 2020
Steven and Monica assisted us in getting a great deal in refinancing our mortgage. This was the second time working with them and we cannot recommend them enough. Steven and Mon...
17 Jun 2020
I have been a loyal customer of Mortgage Choice since I have met Steven over 5 years ago at the old office at HELP street and he made the journey towards home ownership made sim...
02 Jun 2020
Steve and Monica have continued to provide my husband and I with outstanding professional advice, support and guidance regarding our mortgage over the last few years. They conti...
23 Apr 2020
We had an amazing experience buying our first home with Steve and Monica. Steve was professional, efficient, friendly and checked in with us every step of the process. We are so...
14 Apr 2020
Buying your first home with no previous experience in the property and financing market is a challenge. Steve is an experienced, professional and knowledgeable broker. He made t...
09 Apr 2020
I highly recommend Steve and Monica at Mortgage Choice Chatswood. They work hard to provide you with the best loan for your circumstance and offer great attention to detail and...
23 Mar 2020
I was referred to Steven & Monica at a fairly late and critical stage in the loan approval process. Regardless, they jumped on readily and willingly and worked tirelessly to mak...
01 Mar 2020
We recently obtained a mortgage through Steven and Monica who were fantastic throughout the entire process. We had difficulties with bank valuations and they did all the hard wo...
24 Jan 2020
Steve and Monica are an absolute pleasure to work with and there professionalism is second to none . I would most highly recommend anyone looking to sort the mortgage finances t...
14 Dec 2019
Steven really gave us clear information and very professional since the very beginning, we had some uncertainties on FHOG application recently and he went all the way in managin...
14 Nov 2019
Steve provided a great experience. Always keen and willing to help, on call when needed and even followed up when on a family vacation overseas. I would definitely recommend S...
11 Nov 2019
Outstanding service and advice. Steve and Monica were always ready to help. We couldn't have secured our dream home without them. Highly recommended!
15 Oct 2019
Steven was a great help in buying our first home. He and his team were patient as we searched for the right property, understanding and insightful when dealing with our question...
20 Aug 2019
We received great service from Steve and Monica. The team was very responsive and helped us through the process without any problems.
29 Jul 2019
Had a fantastic experience with Steven and team with our recent refinance. We were delighted with the excellent communication and service. Thank you!
Steve from Mortgage Choice made the whole home loan process easy, he explained everything to us, was quick with everything and constantly stayed in communication throughout the whole process. We honestly thought getting a home loan was going to be stressful, but Steve made it all stress free and provided us with all the options that suited our financial situation. We are more than happy recommending Steve, we are very excited and looking forward to moving into our first home.
Ronnie & Renee, Hassall Grove, NSW
- First Home Buyer
I could not speak highly enough of Steven. He guides you through a plethora of forms, with charm and a steely determination. He is always there for you, always phones back when you leave a message, always by your side until the contract is signed. Thank you Steven.
Roger & Charlotte, Wentworth Falls, NSW
- Refinancer
Everybody has different issues, different circumstances and it all looks daunting! Steve knows how to smooth it all out and clear the road blocks. Add his extensive knowledge and contacts, Steve will achieve a far better solution for you without the pain.
Nick & Theresa, Killarney Heights, NSW
- Property Investor
As first home buyers, we were nervous about entering the world of mortgages and buying units! Steve was amazing, he came to our house and explained everything we needed to know but this was just the start. Steve and Mortgage Choice helped us all the way through the buying process. We really felt that steve went the extra mile, and was always happy to go over things again and make sure we knew exactly what we were doing. We will recommend Steve to all of our friends, our experience couldn't have been better!
John & Courtney, Chatswood, NSW
- First Home Buyer
Steve, my sincere thanks and appreciation for your assistance in securing the loan to purchase my new unit at Roseville. Your advice and assistance was invaluable. Within one week of my initial contact with you I had received the pre-approval for the loan and had been able to make an offer for purchase. In addition, your being able to obtain a reduction in the standard interest rate and bank fees will save me thousands of dollars over the life of the loan. I cannot speak highly enough of your dedication and professionalism, whilst the communication from both you and Monica far exceeded my expectations. I would highly recommend you to my family and friends. Thanks again.
Justine, Roseville, NSW
- Property Investor
We wouldn't hesitate to recommend Steven to anyone thinking about buying property. He made the process easy, he was reliable and contactable even outside of business hours. He answered plenty of questions that were outside the scope of a mortgage broker. He was our go-to man. When we requested confirmation that our mortgage application forms had been put in the post he emailed us a photo!
Denise & Richard, Lane Cove, NSW
- First Home Buyer
Thank you Steve for the great service you provided through the sale and remortgage of our Sydney properties. This was by no means a small endeavor and the practical help you provided (including getting Australian Banks to understand our Swiss Incomes) was very much appreciated. Also, your professionalism in finding the best products available given our complicated circumstances was without peer and despite the time differences between Switzerland and Australia, you still made yourself available to our convenience. In short we are truly indebted to you and we could not have done this without you! Thank you for helping us buy our new home.
Niranjan & Uma, Currently Overseas, NSW
- Property Investor
As a risk averse financially illiterate property investor I found Steve to be just what I needed to help get me started in property investment. Steve is incredibly patient and helpful, but best of all is that he is not afraid to tell me if I am expecting too much or contemplating something unwise. I have found him to be always polite and respectful whilst being direct and informative. I recommend him highly.
Paul, Arncliffe, NSW
- Property Investor
We thank Steven for all his help during the entire loan process. It was definitely not as stressful as I thought. Steven walked us through everything and made it very easy. He has given us great advice and found us a great rate in the market. He kept us well informed and his communication is second to none. We highly recommend him to anyone and I've already recommended him to a friend of mine.
Ryan & Zayra, Prestons, NSW
- First Home Buyer
Steven is a master of understanding his customer needs. His wealth of knowledge in bank offerings and options is second to none. Before we got in contact I was trying, with little luck, to sort out my own financials. Steve offered up suggestions to me that I didn't even know existed. He made the whole process of refinancing my home loan simple and dare I say, enjoyable. I can now enjoy life without having to live pay by pay. Steven has made me a customer for life.
Mark, Seven Hills, NSW
- Refinancer
Steve is an outstanding professional who takes the time to understand his clients needs and provide them with the right advice to meet their needs. I found Steve to be very thorough, efficient and practical when it came to providing solutions to meet our complex needs. As we are currently overseas, Steve made himself available at our convenience which we really appreciated. Without doubt, I know that we would not have been able to purchase our property without Steve. I would not hesitate to recommend Steve (and his team) to anyone considering obtaining a mortgage. Thank you Steve.
Irfan, Sydney, NSW
- Property Investor
Steve recently helped with obtaining a home loan for my partner and I. Being a small business owner with fluctuating income, our choices for lending were limited but Steve knew the policies of the lenders we could qualify with straight away without having to put in multiple applications with several lenders, saving us the time and also being able to advise our realistic lending position quickly, enabling us to secure our new home in the timeframe we needed to move on. Steve is someone I will be and have been recommending my family and friends call as soon as they are considering purchasing property.
David, Willoughby, NSW
- First Home Buyer
Steve helped me swiftly with my property finance at a very short time-frame and managed to secure a competitive package for me. I happily recommend him to anyone that is after a smart and active mortgage broker.Negin, Waitara, NSW
- First Home Buyer
Steve is a great operator, extremely organized and efficient, would highly recommend his services.
Jarrod, Balgowlah, NSW
- Refinancer
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.
Based on standard variable rate over years.
Start the pre-approval process
Talk to a brokerYour borrowing estimate
Monthly income
Expenses
You may borrow up to
Your monthly repayments
Total loan repayments:
Total interest charged:
There's a lot to consider when choosing the right loan.
Talk to a brokerBreakdown | Amount |
Stamp duty on property | |
Transfer fee | |
Mortgage registration fee |
Need help with your next home purchase?
Talk to a brokerFrom 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.
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.
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.
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 $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.
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 $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.
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 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.