Mortgage Broker Chatswood and North Shore, NSW

Call: 02 8076 7401

Talk to your local Chatswood and North Shore Mortgage Choice mortgage broker today about your home loan needs. Let us research and compare more than 20 lenders for you.

Call Us Mortgage Choice Chatswood
Office - 02 8076 7401
Fax - 02 8076 7404

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

Address

Level 6, 10 Help Street CHATSWOOD, NSW 2067

Looking for a Home Loan? We provide expert advice across a wide range of lenders, and a personal service to make your life easier and the right loan for you.

Centrally located in Chatswood, we have local knowledge and having lived on the North Shore for over 40 years. Our area spans from leafy Gordon in the north to funky Crows Nest on the lower North Shore. We cover two of the largest business districts on the North Shore in Chatswood and St Leonards and offer the flexibility to meet with you at a convenient time and location.

Our personal and bespoke approach to helping you with your home loan needs is what sets us apart. Purchasing a home or investment property is a big decision and we understand that choosing the right home loan is an important piece of the puzzle.

We specialise in

First home buyers
Investment home loans (including off the plan purchases)
Refinancing and restructuring (owner occupied or investment home loans)
Self Managed Super Fund (SMSF) lending
Commercial finance
Bridging finance and deposit bonds
Car loans, equipment finance and personal loans

Arranging your Home Loan with us is easy and can save you a lot of time, angst and could even save you money; so why not call us now on 02 8076 7401 to get started.

What happens next?

One free interview allows us to evaluate your home loan needs.
We will provide you with expert advice and compare more than 20 lenders to see which Home Loan is right for you.
We can arrange pre-approval and will deal with the lender, completing paper work and following up. Quite simply making the application and approval process as smooth as possible for you.
We will do this at no cost to you as the banks pay Mortgage Choice.
We also assist you to manage your home loan by keeping in regular contact and being available for any questions that may arise as you travel down life’s different paths.

There is more to property ownership than just a home loan, we make it easy for you to arrange additional services such as home and contents insurance, car insurance, life insurance, financial planning advice, property investment services and more.

As your team of local Mortgage Brokers in Chatswood and St Leonards, we’re focused on finding the right home loan for you and making the process as convenient as possible. Why not fill in the form above to request a call back at a time convenient to you, or speak to us now by calling 02 8076 7401.

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

We had a great experience with Steven and Monica at Mortgage choice. They educated us on a lot of loan related terms and details. They kept in constant communication as we entered settlement date and were committed to get us the best deal possible. Thanks for your help Highly recommend.

Pavithra
23 September 2021

Keith is a quality business operator and offers a very professional end-to-end service through his Mortgage Choice business. I have used Keith’s services personally and would not hesitate to refer a client to his business

Robert
16 December 2017

Thank you for all your assistance throughout the process, I keep telling people how good it's been to have you involved and making life simple. I know we didn't make it easy for you by exchanging contracts before pre-approval and what-not, but you managed everything for us and got it through. Can't thank you enough. I'll hear from you shortly. Talk soon.

Jalal Humphries
16 December 2017

Would highly recommend Keith at Mortgage Choice Chatswood. Great friendly service, very knowledgeable & makes this somewhat stressful process easy.

Vanessa
16 December 2017

Over the last 15 years Ive dealt with both Bob Hugh for several property transactions. Theyre both terrific blokes, very easy to deal with, and have always gone above beyond to provide an excellent service. My last experience was with Hugh. Again, he did all the lender research and provided me with the options. This not only saved me a lot of time, it also resulted in some significant savings which I could spend on the fun stuff.

Mick
24 June 2016

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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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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.