Home Loan and financial services experts in Double Bay

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Marianne Snaidero

Mortgage Choice Double Bay | Mortgage Broker Eastern Sydney

Call: 0438 778 812

Looking for a home loan? We are your local Mortgage Brokers in the Eastern Suburbs of Sydney.

Call Us
Mobile - 0438 778 812
Office - 02 9326 1894

Open Hours
Monday - Friday 9 am to 5 pm
After Hours - By appointment
Free Appointment

Address

Suite 6 3 Knox St DOUBLE BAY, NSW 2028

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Marianne and Loris Snaidero are your local Mortgage Choice brokers in Double Bay, Elizabeth Bay, Potts Point, Bondi, Bellevue Hill, Vaucluse, Bondi Beach, Edgecliff, Paddington, Woollahra, Waverley and surrounding Sydney's Eastern Suburbs.

Our team of mortgage brokers in Double Bay, Potts Point and Bondi look forward to helping you achieve your dream of buying your own home or investment property. Our office is located in Double Bay, within walking distance of Edgecliff station and we are more than happy to meet you at a time that suits you best, including after hours.

Helping you with home loans, car loans and business loans!

We have been in business since 2001 and we have assisted hundreds of clients to secure their dream home. Since starting, our main focus has been making sure people in our local community secure the right loan for their situation and to build strong & lasting relationships with each client. We pride ourselves on the fact that many of our clients continue to work with us for all their property needs and investments.

We can assist you with information, advice & home loan applications. Hear what our customers say about our service!

Our Double Bay & Potts Point mortgage brokers can also help you with:

Access to expert home loan advice and property knowledge

We will focus on helping you answer questions like "How much can I borrow?" and "Can I afford an investment property". Our experience in the Financial & Customer Service sector provides us with the knowledge and skills required to assist our clients achieve their property goals.

We are also long time locals of the inner east and city areas from Potts Point, Elizabeth Bay and Double Bay. We aim to give you not only our financial knowledge but also our local property knowledge to help you make the right decisions.

To discuss your home loan requirements, please contact our team from Mortgage Choice Double Bay today on 02 9326 1894.

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 servicing Bondi, Bellevue Hill, Vaucluse, Potts Point & surrounding areas, we’re paid the same rate of commission regardless of which home loan you choose from our wide choice of lenders.

What makes Mortgage Choice Double Bay different?

Having been in the property market ourselves from a fairly young age and buying and selling over the years we naturally have empathy and understanding of the stresses (both good and bad) in owning one's dream home or making that important investment decision.

What happens during your first meeting with a mortgage broker?

We will assess and evaluate the most appropriate home loan for your needs and circumstances
During your loan process, we will do all the follow-up and general running around for you and
We will save you time, energy and stress - leaving you to enjoy this exciting time in your life.

With our diverse background and skills, we do what we like best, which is to assist people in achieving their dreams and goals. We enjoy having our own business and being able to share in the joys of property ownership with many people.

If you're ready to speak with a mortgage broker from Double Bay, then please contact our team from Mortgage Choice on 02 9326 1894.

Servicing Sydney's Eastern Suburbs including Bondi, Bondi Junction, Bondi Beach, Coogee Potts Point, Elizabeth Bay, Double Bay, Bellevue Hill, Paddington and surrounding areas.

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. ~

Paul F, Rose Bay NSW, NSW
- First Home Buyer
Great service, Marianne was able to get the best loan for me in comparison to my own bank and accountant. No effort was spared in getting my loan approved with speed and efficiency.

Marianne was professional, knowledgeable and went above and beyond. Thank you for your advice, knowledge and patience, we could not have purchased our property without you.
Justine & Luke, Woy Woy, NSW
- First Home Buyer

Christopher B, Ewingsdale, NSW
- Upgrader
Marianne without a doubt you allowed me to seek and obtain a loan for my new home I doubt I could have managed myself. Highly organised, responsive and supportive. Your experience is very evident. Truly appreciate and grateful of your wonderful service. Thank you.

Nathan S, Bexley NSW , NSW
- Refinancer
Marianne dealt with my request in an efficient and professional manner. No stone was left unturned and my loan was approved in no time. I was happy with all the services provided and the level of communication.

Jessica, Paddington NSW, NSW
- First Home Buyer
Can't improve on perfect - Thanks Loris

Loris is a genuine and warm person. I trusted that he would give me the right advice and had my best interests at heart.
Orla G, Rose Bay NSW, NSW
- Refinancer

Very happy with service. Always followed up to make sure everything was going ok. Everything was explained properly and you always made sure I understood. Thank you again.
Lucy, Marsfield, NSW
- Upgrader

There is nothing to improve, service is always quick and efficient, top notch!
Loris always takes the time to explain anything that we need clarification on, ensuring the customer is matched with the right product. Nothing is too much or too difficult for him, he is a pleasure to deal with. I would and always do recommend Loris to anyone looking for a Mortgage Broker.
Jody C & Luke M, Mosman, NSW
- Upgrader

As always it is a pleasure dealing with you! I feel reassured that with your guidance and sincerity, I am getting the best possible loan and service. You've got me for life!!!
Edwina, North Shore, NSW
- Property Investor

Thank you for your persistence and amazing patience. Over the past 12 months you have been a reliable source of information in my quest to secure a new home. I have lost track of the number of loan scenarios that you have generated for me whilst I screened different property options. You always willingly and comprehensively provided me with the right advice and expertly guided me through the maze of financial options. Your service is amazing. Thank You Marianne and Mortgage Choice.
Paul, Eastern Suburbs, NSW
- Property Investor

I could not have been more confident throughout the entire process due to your knowledge, skills and obvious experience and true understanding of our needs. I wouldn't dream of going anywhere else. 10 out of 10.
Gina & Tony, Kingsford, NSW
- First Home Buyer

Marianne I can't thank you enough for helping us to finally get into our new home. You have helped us so much over the last 7 years and we are so grateful.
Elizabeth & Vince, Newcastle, NSW
- Upgrader

Thank you Loris for all your help. Thanks for being so professional, thorough, patient and helpful in explaining the products to us. Thanks for your prompt follow ups on all matters its much appreciated
Angeline & RIchard, Rozelle, NSW
- First Home Buyer

We were tight on time to have everything organized and Loris and Marianne made sure all was completed and took away a lot of the stress. We have now used their services twice and have been very happy with the advice and ease with which everything is organized.
David & Nicola, Bondi, NSW
- Upgrader

Marianne, Thank you for all your advice, guidance and help with all the work you did for our refinance. We will certainly recommend your services (already have !!).
Brad & Simone, East Ryde, NSW
- Refinancer

Step-by-step guide to home ownership

There are many steps involved in purchasing a property which can vary between residential and investment properties. This guide explains each step in order as well as what is involved at every stage of the purchasing process.

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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 $176,000 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.

The Territory’s First Home Owner Discount has been in place since 8 February 2019. It lets you save up to a maximum of $18,601 on the cost of stamp duty. The savings is available whether you buy a new or established home as long as the home is 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 $8,750, 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 $505,000, you pay stamp duty of $1,050, a saving of $7,875. These savings cut out altogether if your first home costs $550,000 or more. On a property valued at $550,000, for example, the stamp duty would work out to be $10,600.

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 $20,000 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 Melbourne. Or you can receive a FHOG of $20,000 if you buy/build a new home in regional 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.