Mortgage Broker and Home Loans | Sydney CBD

Your trusted home loan experts and mortgage brokers based in the heart of Sydney CBD

Call: 0416 078 089

Gerry Grant and Sally Tian are your local Sydney CBD mortgage brokers that can help you find the best home, car or personal loan for you needs. We can meet you anywhere, and give you expert advice that could save you time and money. Book an obligation free appointment today.

Call Us Mortgage Choice Queen Victoria Building
Mobile - 0416 078 089
Office - 02 9988 4478

Open Hours Mortgage Choice Queen Victoria Building
Evening and weekend appointments are available.
Free Appointment

Address

PO Box Q711 QUEEN VICTORIA BUILDING, NSW 2000

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As your local Sydney CBD mortgage broker, we have helped hundreds of clients get the right home loan that supports their needs.

We are dedicated to providing our clients advice they can trust, at a convenient time and place that suits them. We help our clients find the right loan to suit their needs and support their future financial goals.

Why choose Mortgage Choice in the Sydney CBD?

We are known for our extensive lending and financial knowledge, our commitment to our clients, and our ability to find our clients the best loan for their needs.

What makes our service different is that we focus on you, our client. We meet you at a time and place that is convenient to you, we do all we can to help make applying for your home loan easy.

Our team of home loan experts take the time to listen to your situation and needs, getting to know you and your family, and learning about your future financial goals. We then offer you various solutions that suit your needs, that will support and help you reach your long-term financial plan.

Right loan for you.
We take the time to get to know you, your family and your future financial goals. This helps us find the best home loan that not only saves you money, but is also structured to meet all your future needs.
Wide choice.
We compare hundreds of highly competitive home loan options from a wide choice of lenders, including the big banks to find the right loan for your needs.
Less stress.
We make it easy for you. We will communicate with you through every step of the home loan application, so you stay informed.
No charge.
There is no charge to you for our home loan service because the lender pays Mortgage Choice after your loan settles. Mortgage Choice than pays their brokers the same rate of commission no matter which home loan you choose.
Range of products.
We can also help you with property investment loans, construction loans, commercial loans, car loans, personal loans and asset finance.

How is Mortgage Choice in Sydney CBD paid?

Book an obligation free appointment today!

Whether you're a first home buyer, upgrading to your next home, getting into property investment, or wanting to refinance your existing loan, as your local Sydney CBD home loan expert, we can help you make the right move and will be here for you at every stage of the process.

Contact us today on 0416 078 089 to talk about your home loan needs.

At Mortgage Choice Sydney CBD, we’re proud to say that we can care for your total financial wellbeing and put you on track to achieve your goals. We offer professional advice for a wide range of requirements, such as:

First home buyer finance;
New home finance;
Property investment loans;
Home loan refinancing;
Fixed, variable and interest only home loan packages;
Debt consolidation;
Commercial finance;
Personal and car loans;
Personal insurance;
Wealth services;
Estate planning.

Let's make sure that you have the right rate for your circumstances. Now is a great time to take advantage of record-low rates. To find out how a Mortgage Choice broker can help, check out our short video below!

What makes our home loan service different?

At Mortgage Choice in the Sydney CBD, we build lifelong relationships with our valued customers who live work and play in Sydney. We service all the Sydney CBD and surrounding suburbs but are always happy to meet you anywhere that is most convenient. We also offer our lending services with either an english or mandarin speaking mortgage broker.

Hear what some of our customers have to say!

No matter where you are, we can provide you with professional advice on your home loan at no cost to you. If you want peace of mind, have our Home Loan specialist help you!

Contact Mortgage Choice Sydney CBD on 0416 078 089.

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. ~

Thank you Gerry for taking a genuine interest in finding the right home loan to suit my individual needs. Your personalised approach made my experience a positive one and I will certainly use your services again. I really appreciate the professionalism and dedication you showed, and I won?t hesitate to recommend you to my family and friends
Tracey Stubbe, Mardi, NSW
- Upgrader

I was very happy with Gerry’s service right from the start of this process 18 months ago.
He was able to find a good home loan product that suited my circumstances and needs.
During the subsequent process of securing the loan, going through the construction of
the house and liaising with Bankwest throughout this process, Gerry was more than
helpful and put me at ease. I can’t thank him enough for his support.
Parvinder Deo, Edmondson Park, NSW
- Construction

Step-by-step guide to home ownership

There are many steps involved in purchasing a property which can vary between residential and investment properties. This guide explains each step in order as well as what is involved at every stage of the purchasing process.

Download now

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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 $176,000 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.

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.

How much is the First Home Owners Grant QLD?

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.

Stamp duty concessions

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.

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 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.

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 $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.

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.

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