Mortgage Choice John Treadwell in Manly, Frenchs Forest, Belrose, Dee Why, Northern Beaches & surrounds

Call: 0414 512 393

Looking for a home loan? Talk to John Treadwell, your local Mortgage Choice broker from Northern Beaches, Manly, Frenchs Forest, Belrose, Dee Why & surrounds. Let me research and compare over 27 lenders for you

Call Us Mortgage Choice Belrose West
Mobile - 0414 512 393
Office - 0414 512 393

Open Hours Mortgage Choice Belrose West
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PO Box 32 BELROSE WEST, NSW 2085

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About John Treadwell, Mortgage Choice Broker

John Treadwell joined Mortgage Choice in 1998 and has 43 years of experience in the financial services industry. .

My aim is to offer my clients a thorough and professional service, meeting and exceeding your mortgage requirements. I have helped countless people, in the Manly Franchise Area achieve their dream of purchasing property and enjoy watching them grow their wealth through property ownership. Many of my clients that came to us as first-home buyers have gone on to become serious investors with multiple property portfolios.

So how can I help you? We've access to hundreds of home loan products that can help:

First home buyers
Investors
Upgraders
Refinancing
Debt consolidation

Did you know I can help you with:

Commercial Loans
Equipment Leasing
Car Loans
Personal Loans
Life Insurance

If you live or work in Manly, Balgowlah, Belrose, Seaforth, Frenchs Forest, Beacon Hill, Fairlight, Forestville, or Harbord, call me for an appointment at your home..

Contact John Treadwell:

PO Box 32, Belrose West NSW 2085

Work number 0414 512 393

Mobile: 0414 512 393
john.treadwell@mortgagechoice.com.au

About my service

I can help you find the home loan that suits your needs, not the lenders! You can rest assured that we've you're your best interests at heart.

I help you choose a Home Loan suited to your needs from our panel of lenders.. Best of all our residential home loan service to you costs you nothing.

First Home Buyers, Housing Affordability & Guarantors

Most young borrowers aren't aware their family members, usually their parents, can act as guarantors for a home loan.This is an option that allows family members to provide a guarantee in support of a borrower's home loan application by using equity in their own property as security for the loan. So, they can assist other family members in maximising the amount they can borrow by bridging the deposit and upfront expenses gap, and hence avoid lenders mortgage insurance (LMI).

The guarantor situation is most likely to occur when a borrower's savings history, and/or deposit doesn't quite stretch to meet lenders' requirements for a home loan. It is targeted at those with good ability to repay a home or investment property loan but who lack the sufficient equity to secure the additional funds they need to meet upfront loan costs and associated expenses.

How can I use the equity I've built up in my home?

As you pay off your home loan your debt decreases and over the years the value of your property may increase. If you find yourself in this situation you may have equity which you can draw upon for a range of reasons. These can include investing in property, upgrading to a bigger place, renovating your existing home or even purchase a new car.

If any of these sound interesting to you, you'll need to sit down and access your home loan. We've helped hundreds of clients through this exact process. Give us a call today and we'll review your current home loan to make sure it's working hard for you.

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing the Northern Beaches and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with John to discuss your unique circumstances

Ready to kickstart your journey to homeownership?

We’ll assist you along the way and do all the legwork for you! Call John today on 0414 512 393

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

John has been amazing and insightful through our journey of building our house. We had a period of time between settlement of land and construction starting where John was constantly checking in on us and making by sure we were ready to go when we needed it. I cant recommend John enough He is a hard worker and will do anything to help you on your mortgage journey

Alexandra
01 August 2023

John has been amazing and insightful through our journey of building our house. We had a period of time between settlement of land and construction starting where John was constantly checking in on us and making by sure we were ready to go when we needed it. I cant recommend John enough He is a hard worker and will do anything to help you on your mortgage journey

Alexandra
31 July 2023

We have used John Treadwell for many years and he's always honest, prompt, helpful and we feel we get a good deal. We've recommended him to friends and family with positive feedback. John makes the complicated simple. Highly recommended

Dorothy
21 May 2023

John gave us exceptional advice and helped my husband and I to get the best mortgage option available to us. Aside from being really thorough, John was always just a phone call away if we had questions or needed greater understanding of the options at hand. We won't hesitate to engage John when the time comes to review our mortgage options again.

Dale
04 May 2023

John has helped us with three loans and has always succeeded in finding the best loan for purpose. Even when circumstances are challenging and other brokers failed, John came through. He is thorough, takes the hard work out of it, is scrupulously honest always recommends what's best for the client and his follow up is brilliant. His knowledge of the banking sector and the markets is second to none. I have recommended him to friends who say the same. We cannot recommend John highly enough.

Michelle
19 April 2023

Hi John,

Sorry I am a bit behind on my emails, but we are all settled in up here now. Thanks very much again for all of your help!

I have also just done the "rate my broker" review.

Kind regards
Dani ??

Dani
18 June 2020

John found the best offer for my circumstances,

AT Frenchs Forest NSW
02 July 2018

We have worked with John across purchase of one home and building of another. we are very confident John appreciates our financial position and makes the best possible recommendations for us. I would recommend john's financial acumen to others in the property market.

SM Frenchs Forest NSW
02 July 2018

Hi John We settle on 18A Soldiers Ave today and I wanted to thank you for your efforts. We have looked at a few properties over the last nine months and your turn-around time in respect to our queries and funding options has been much appreciated. We will certainly recommend you to others looking for a broker. Geoff Mooney.

Geoff Mooney
16 December 2017

Thanks very much for such excellent service.
Happy Christmas to you and your family.

Clair Cheel
16 December 2017

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.

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

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