Mobile Mortgage Brokers; Ryde Municipality, Hunters Hill, Woolwich & surrounds

Call: 02 9808 3400

Looking for a home loan, personal loan, car or commercial loan? Talk to Joe Ghanem your local Mortgage Choice broker from Ryde, NSW, and we can help you anywhere you're based or with any location in Australia you are looking at.

Let us research and compare more than 35 lenders for you.

Call Us Mortgage Choice Ryde
Office - 02 9808 3400

Open Hours Mortgage Choice Ryde
Monday - Friday: 9am - 6pm
Saturday: 9am - 4pm
Sunday: Closed
After hours by Appointment
Free Appointment

Latest home loan interest rates

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Start your home loan journey today

We can help you find the right home loan for your situation.

As your local Mortgage Choice broker, we're passionate about helping people through the stressful process of securing finance for their first home, next home or investment property.

Looking for a new home? Chat with a local Mortgage Broker in Ryde here.

We're on your side

When we work with you as your mortgage broker, we are on your side. We look out for your interests, not the lenders', and our only interest is you.

We offer home loan services & advice for:

First home buyers
Refinancing your existing loan or upgrading to your next home
Investors & owner-occupiers
Debt consolidation
Self-Managed Super Fund (SMSF) home loans

We service the following areas:

We are a mobile brokerage and service clients Nationally, with our team mainly based in the Metro & Greater Sydney areas and surrounds like;

Auburn, Berowra, Berowra Heights, Berowra Waters, Cowan, Denistone, Eastwood, East Ryde, Epping, Gladesville, Greenacre, Henley, Homebush, Huntleys Point, Hunters Hill, Lidcombe, Macquarie Park, Marsfield, Melrose Park, Meadowbank, Newington, North Ryde, Ryde, Sydney Olympic Park, Tennyson, Wentworth Point, West Ryde, Woolwich

Taking care of the details

With us on your side, we're there throughout the whole process and beyond to take care of every detail. We prepare and submit the application, liaise with the lender (a lot when necessary) and follow it through to settlement.

We're also here to answer questions that may arise from time to time or when you want to look at other purchase or investment opportunities. And we'll do all this at a time and place that suits you. We are mobile and will come to you in or out of business hours.

When & where do we meet with customers?

In the local Gladesville office
Visiting your home
During business hours or after hours
Saturday appointments available

Looking forward to meeting with you to discuss your needs.

If you want peace of mind, then let one of our mortgage brokers in Sydney help you. Call Joe Ghanem on 02 9808 3400 to organise your obligation-free appointment today!

What is your borrowing power?

When you're ready to purchase your property, it's important to have a good understanding of how much you can borrow. We know that finding out how much you can borrow for a property can be a bit confusing, which is why we have some great resources at your disposal.

Feel free to check out our easy-to-use home loan calculators here or get in touch with us to discuss your unique situation.

Contact a local mortgage broker

Phone: (02) 9808 3400

Mobile: 0438 090 393
Email: joe.ghanem@mortgagechoice.com.au

Mobile: 0468 836 977
Email: Nicole.floyd@mortgagechoice.com.au

We can also help you with:

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

Joe Ghanem from Mortgage Choice Ryde is a very good broker, was very impressed with his dedication, communication skills and effectiveness whilst I was buying my business. I would highly recommend his services.

Suraiya
04 April 2024

Joe is Amazing and knowledgeable. He has always answered our queries and provided us with the best possible solution. He has gone above and beyond to provide us with the best solution. I would highly recommend him. We look forward to work with Joe. He is the best in the business. All the best Joe .
We really appreciate all your assistance.
Keep up the good work. Kudos to you for all your efforts.

Ash
20 March 2024

Amazing service by Joe. Joe helped us out when needed. This was not the first time, he even helped us out when we bought our first property 5 years back. We highly recommend Joe.

Jigar
17 February 2024

Joe Ghanem is a great broker, highly recommend.

Chris
20 October 2023

Recently worked with Joe to secure a Home Loan for a new property. Joe was professional, knowledgeable and got back to us quickly whenever we had any questions or follow up. Great service and happy to recommend, thanks Joe.

Adam
26 March 2023

Joe has a wealth of experience, he is very knowledgeable in finding your financial needs and providing that great friendly service.

Thanh
30 November 2022

I Was fortunate enough to have my mortgage refinanced by Mortgage choice. I was impressed by the communication from mortagage choice during the whole process. I woyld definitely recommend mortgage choice as a broker as they made my experience stress free.
Thanks again to Joe and the team at mortgage choice.

Daniel
28 November 2022

Fantastic service. We recently used Joe Ghanem, from Mortgage Choice, to arrange the finance of the purchase of our new business and were more than pleased with the service. Joe went over and above what we expected from a mortgage broker, taking the stress out of the process. Thank you Joe for everything you did for us.

john
25 November 2022

Couldnt thank more than we expected for Joes expertise and professionalism. He took customer risk as his own, sitting in client shoes to analyze the pro and con. Following up as long as he is able to. Highly recommended.

Wang
26 October 2022

Joe was amazing at organizing our home loan refinance and investment loan. He gave us options and solutions, and guided us through the whole process. Communication was great and when we were confused he provided explanations to our questions in an easy to understand way. Joe is very helpful and I would highly recommend

Monica
18 May 2022

Refinancing guide

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

Download now

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Calculate

You could borrow up to

Repayments
/ month
Expenses
Remaining

Based on standard variable rate over years.

Start the pre-approval process

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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

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Your monthly repayments
Total loan repayments:
Total interest charged:

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.

Value of property

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First Home Buyer?

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Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

Need help with your next home purchase?

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.

Click here for more information on the WA First home Owner Grant.