Mortgage Choice Double Bay | Mortgage Broker Eastern Sydney
(61+ total reviews)
- Call Us Mortgage Choice Double Bay
- Mobile - 0438 778 812
- Office - 02 9326 1894
- Open Hours Mortgage Choice Double Bay
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
- Free Appointment
Suite 306, 377 New South Head Road DOUBLE BAY, NSW 2028
Start your home loan journey today
Marianne and Loris Snaidero are your local Mortgage Choice brokers!
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.
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, contact our team from Mortgage Choice Double Bay today on 02 9326 1894.
What makes Mortgage Choice Double Bay different?
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.
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. ~
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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Based on standard variable rate over years.
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Your borrowing estimate
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Total interest charged:
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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.
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.
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.
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.
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.
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.
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.
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.
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