Your local Mortgage Broker & Finance Experts | Allambie Heights, Manly & surrounds

Call: 0421 128 240

In this changing landscape, seeking the advice of an expert is even more valuable than ever.

Kevin Reeve and the team in Allambie Heights & Manly can help you with home loans, car loans, business lending, financial advice and more!

Call Us Mortgage Choice Allambie Heights
Office - 0421 128 240

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

Address

Shop 11, 141 Allambie Road ALLAMBIE HEIGHTS, NSW 2100

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

Start your home loan journey today

Making the home loan process as easy as possible.

Finding the right home loan at a low rate is important. Going straight to your bank gives you limited options which might not suit you. That's why I help my clients shop around for the lowest rate & best features.

Located on Allambie Road, Allambie Heights, we can help you with Home Loans, Investment Loans, Car Loans & Business Loans now and into the future. We pride ourselves on providing a consultative personalised service to all of our clients.

We can take the time and hassle out of shopping around for the right home loan and guide you through the home buying process with expert advice.

With access to hundreds of loans from a wide choice of lenders, including Australia’s big banks and a selection of specialist lenders, we're confident in finding all of our clients the right finance option for them.

We love helping our clients, no matter where they are!

Figure out how much you could borrow for your next property with our home loan borrowing calculator.

What makes us different?

Our home loan service doesn’t cost you anything! At Mortgage Choice Allambie Heights, our home loan service is at no charge to our customers because the lenders pay us a commission after your home loan settles, so you get all of our expertise at no cost to you.

If you're ready to speak with a home loan expert about your situation, then reach out to our team from Mortgage Choice Allambie Heights, today. Call Kevin Reeve on 0421 128 240.

We can also help you with:

We service Belrose, Davidson, Frenchs Forest, Killarney Heights, Seaforth, Balgowlah, Clontarf, Manly Vale, Fairlight, Manly, Curl Curl, Freshwater, Queenscliff, Allambie Heights, Beacon Hill, Brookvale, Oxford Falls, Warringah Mall.

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

This was my very first home purchase in Australia, and I was quite clueless and nervous as I had no idea how things work here. I made contact with Keven from Mortgage Choice who guided me through every step of the process in the most efficient and professional manner. The mortgage application process flowed smoothly and effortlessly. Kevin guided me through every step along the way ensuring the best po... read more

Mairead
29 January 2024

We could not be happier with Kevin and the service we received. As first time buyers we had many questions and not a few fears Nothing was ever too difficult and Kevin helped us to unpack and make decisions about complex issues. His email and phone timely responses were always timely and considered. His professionalism helped us to feel comfortable and in control. We cannot thank him enough.

A
18 October 2023

We could not be happier with Kevin and the service we received. As first time buyers we had many questions and not a few fears Nothing was ever too difficult and Kevin helped us to unpack and make decisions about complex issues. His email and phone timely responses were always timely and considered. His professionalism helped us to feel comfortable and in control. We cannot thank him enough.

Angela
06 October 2023

Thank you Kevin and team for handling our refinance. Process was very smooth and was able to answer all my questions. Good communication through to settlement. This is our second refinance using mortgage choice allambie heights

Franz
28 April 2023

Kevin was amazing to work with. He went above and beyond to get all our loans refinanced. I would highly recommend him to anyone.

Karen
27 April 2023

Kevin was extremely helpful, attentive and accommodating to our needs, explaining the process thoroughly.

Heather
25 April 2023

We heard of Kevin because of all the positive comments he receives on the Allambie Heights Community Facebook page from other satisifed customers. We are now one of them. After our first chat, we felt confident to continue on with the process of refinacing our mortgage with him. Our new bank required a huge amount of paper work and Kevin was on top of everything every step of the way. The whole process went smoothly thanks to Kevin.

Matt
25 March 2023

Have recommended Kev and his team to family and friends already
Very knowledgeable, provides good insight and advice based on what hes seeing in the market, which enables informed and educated decisions.
Great communication, which felt to be a step ahead the entire process - overall the feeling of being in very safe and genuine hands Highly recommend without any hesitation.

Nik
22 February 2023

This is the second time we have gone through Mortgage Choice Allambie for their services. Kevin has yet again helped us tremendously in the purchase of our second home. His communication and ability to explain the processes throughout the purchase have been excellent. Highly recommend

Talei
06 August 2022

Kevin was absolutely fantastic As first home buyers we had plenty of questions and Kevin was a wealth of knowledge. Our search for our dream home was a long one and Kevin was unwavering in his support throughout. Would highly recommend

Natalie
03 August 2022

First home buyer's guide

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.

Download now

Eguide First Home Buyer New Cover 255X360

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

PAYG Self Employed

My monthly income before tax

Rental income

My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

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

Repayment options

Extra monthly repayments

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

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

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.