Home Loans, Lane Cove, Mortgage Broker, Leanne Johnstone

Home Find a local expert Leanne Johnstone

Home Loans with an Experienced & Multi-Award Winning Mortgage Broker in Lane Cove

Call: 0422 222 975

🏅 MPA Top 100 Brokers 2021
🏅 Women in Finance Awards 2020 finalist
🏅 Winner 2019 Mortgage Choice NSW Single Operator of the Year
🏅 Winner 2019 Mortgage Choice National Single Operator of the Year
🏅 Winner 2019 Mortgage Choice High-Performance Award

With over 20 years’ experience as a professional Mortgage Broker & a background in accounting, Leanne is confident she can help you!

Call Leanne on 0422 222 975 to discuss your home loan needs.

Call Us Mortgage Choice Lane Cove
Office - 0422 222 975

Open Hours Mortgage Choice Lane Cove
Monday - Friday: 9:00 am - 5:00pm
Free Appointment

Address

Shop 15, 43-45 Burns Bay Road LANE COVE, NSW 2066

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

Leanne Johnstone is your local home loan expert in Lane Cove
'We'll compare your current home loan against hundreds of others to see if we can get you a better deal.'

We can help you with Home Loans, Investment Loans, Refinancing & Business Loans now and into the future.

We pride ourselves on providing a personalised service to all of our clients in Lane Cove and the surrounding suburbs.

Over the years we've helped thousands of clients find the best home loan for their needs. We'd love to hear from you to see our team of brokers can help you achieve your goals:

First Home Buyer including applying for the first home buyers grant - We'd love you to benefit from our experience.
Investing in property Specialising in investment loans, and as a keen investor myself, I can provide you with access to Residex reports that can assist you to make the right investment property to buy
Refinancing your existing home loan to reduce your monthly contributions or consolidate your debt to get your finances back in control
Construction loans
You can meet us in our office in Lane Cove, alternatively, we offer phone and zoom appointments. We'll take care of all the legwork from the application, liaising with the lenders, through to settlement of the loan.
Fully accredited by the Mortgage and Finance Association of Australia

We service all areas, specialising in Lane Cove, Chatswood, Artarmon, St Leonards, Crows Nest, Greenwich, Longueville, Northwood & Riverview.

What happens when you see a Mortgage Broker in Lane Cove?

Why Choose Leanne Johnstone at Mortgage Choice?

With over 20 years’ experience as a professional Mortgage Broker & a background in accounting, Leanne is confident she can help you!

At Mortgage Choice Lane Cove, 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.

And, as Mortgage Choice brokers, we’re paid the same rate of commission regardless of which home loan you choose from our wide choice of lenders.

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. ~

Google Reviews

See all Google reviews

Thank you Leanne - you are just wonderful - especially for first home owners. Thanks for your time explaining things in the lead up.
S & A, Kellyville, NSW
- First Home Buyer

I've always found you guys to be extremely professional and excellent communicators. Thank you!
Walsh, Chatswood, NSW
- Refinancer

Thanks so much for all your work Leanne. It is always lovely to see you, and you do so much to help us. We appreciate it.
Tony & Michelle, Lane Cove, NSW
- Property Investor

As a first home buyer, Leanne was extremely helpful and approachable for information not only related to the mortgage application, but also provided guidance in other aspects of the property market.
Stephen, Crows Nest, NSW
- First Home Buyer

A lot of other companies weren't interested as my husband is self-employed. Leanne was great and gave us the time to take a proper look and help us start a new stage in our life.
Sandi, Cherrybrook, NSW
- Upgrader

Flexible in accommodating an appointment at short notice. I didn't feel like I was asking silly questions. Leanne was very helpful! Would I recommend her services? ABSOLUTELY!!
RI, Lane Cove, NSW
- Refinancer

We felt both professionally and personally cared for in an excellent way. We recieved updates on the process and had all our questions answered satisfactorily and speedily! Thank you Leanne!!
Peter & Lily, Castle Hill, NSW
- Refinancer

Not sure how you could have improved our experience! your guidance, experience and professionalism at a very stressful time was extremely appreciated and reassuring. Very happy we didn't have to change banks too, as it saved time not having to familiarise ourselves with new systems. Thank Leanne.
AW, Killara, NSW
- Upgrader

We received regular communication about our loan status - we were always kept in the loop. Thank you for you ongoing support.
Peter, Lane Cove, NSW
- Property Investor

Great communication and quick response meant a shorter turn-around time and faster approval. All process explained to us!
Karen & Nicholas, Roseville, NSW
- First Home Buyer

Leanne is a very professional and honest person! Everytime you called her she would return your call promptly. Everything went smoothly from pre-approval to drawing down the loan. Definitely would go back to Leanne again and again!
Jodie & Allan, Artarmon, NSW
- Property Investor

Leanne provided excellent service and advice. Minimal input required by me, for maximum benefit, due to leanne!
Brook, Killara, NSW
- Property Investor

As a first time buyer of property in this country, we knew nothing about how to go about it. We were very well guided by Leanne, who was so thorough in her explanations and was so approachable at any time of day, including weekends. She made it possible for us to fulfill our dream of building our own house, without going through any hassles.
Darayus, Lane Cove, NSW
- First Home Buyer

Professional, efficient - very confident in giving a recommendation to anyone! Thanks!
Erin & Liam, Cherrybrook, NSW
- Refinancer

Leanne helped us every step of the way with the purchase of our first home and we appreciated her support.
Jessica , Longueville, NSW
- First Home Buyer

Help me calculate

More calculators

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 $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 $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 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 $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.

State / Territorial Revenue Web Sites

View

Home Loans with an Experienced & Multi-Award Winning Mortgage Broker in Lane Cove

Lane Cove

Latest home loan interest rates

Leanne Johnstone is your local home loan expert in Lane Cove

We service all areas, specialising in Lane Cove, Chatswood, Artarmon, St Leonards, Crows Nest, Greenwich, Longueville, Northwood & Riverview.

What happens when you see a Mortgage Broker in Lane Cove?

Why Choose Leanne Johnstone at Mortgage Choice?

The right home loan for your needs

Google Reviews

Ante Jaksic

Lucy McCutcheon

Anthea Carey

Pranai Devulapalli

Nigel Tippett

Sam Elsner

Grigori Grigoryan

DPM Logistics

Jamie Parfitt

Lisa Hill

Jessica Shipton

Monique Llanes

Grace Olivera

Harry Clarke

Robyn McLean

Jasmine Fernance

Trish Whatson

Wilbur P.

Alli Fredericks

Karl Hillman

Gerrad Emery

David Morgan

Edwina Harrison