Your award winning Mortgage Choice - Finance and Property Group team can help you no matter where in the world you live!

Call: 02 9476 8200

Looking to take the stress out of financing your dream?
Speak to one of our highly experienced Finance and Property Group brokers today!
With over 35 lenders on our panel, we can assist with all your home, investment, business and asset finance needs.
Our service is no cost to you!

Call Us Mortgage Choice Hornsby
Office - 02 9476 8200
Fax - 02 9476 8200

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

Address

Suite 6A, 6-18 Bridge Road HORNSBY, NSW 2077

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Introducing the Mortgage Choice - Finance and Property Group team, your local Mortgage Brokers specialising in home loans and financial services.

Nathan, Ryan, Mark and Russell have over 40 years of experience in the Mortgage Broker business between them. They have organised loans for hundreds of satisfied home buyers and investors on the Northern Beaches and the Upper North Shore. If you'd like to see us in person we have offices in Hornsby and Dee Why.

Why choose Mortgage Choice Hornsby & the Northern Beaches? Our team specialises in all forms of lending including:

Buying or building a new home
Purchasing your First Home
Refinancing your existing property
Car loans & personal loans
Business equipment or Asset Finance
All insurances: home, contents, car etc.

Industry Professionals with your Interests at Heart

Structuring loans correctly is crucial in any property transaction, no matter if you are an experienced investor or first home buyer. To get the best result, you need to be sure that the information and guidance you receive is independent and that your interests are always the highest priority.

Mortgage Choice is not owned by a bank, we assess loans from over 35 lenders to find the most suited loans - and our services is no cost you!

Our experience, our resources, our energy, all dedicated to providing the outcome you need to achieve the property goals you desire.

Our Customer for Life Philosophy

Our experience and processes ensure we find you the right loan, but it's our Customer for Life approach to service that really makes the experience special. It's what sees us enjoy repeat business and client referrals to family and friends. It's why we have strong referral partners in local Property Buyers, Solicitors and Accountants.

When you work with us, from the very first conversation, that's the level of service and professionalism you can expect. We'll submit the application, chase the lender when needed and ensure a speedy settlement. Then we're just a call away should a question arise and not just about your existing loan.

Call the Finance and Property Group team on 9476 8200 today, we look forward to working with you.

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

Highly reccomend We have been using Ryan Ewart for over 12 years and can't reccomend him enough. The whole team at Mortgage Choice make the process seamless and easy to follow. Thank you Mortgage Choice
Sophie
21 November 2023

Myself my partner went to see Mark at Mortgage Choice Hornsby and we were really impressed by his knowledge and customer service. He was able to answer our questions in a clear way and made sure we understood our current position and what steps we need to take moving forward. I would recommend Mark to anyone who needs a mortgage broker and I look forward to working with him into the future.

16 November 2023

As first home buyers with a lot of stupid questions, we were very lucky to have the support of Mark and the team Mark was incredibly helpful and patient with us throughout the whole process, from just looking, through pre-approval and all the way to actually securing a loan at a very competitive rate
We are very grateful for the support and would definitely recommend their services
Patrick
16 October 2023

Mark Bambagiotti and his team at Mortgage Choice were fantastic to work with. Mark took the time to get pre approval and the best deal on our mortgage. We felt we were in very good hands and supported by a team of professionals.
Kath
29 September 2023

We have had a long relationship with mortgage choice. More recently Russell Quinlan and the team managed and facilitated refinancing of our loans. We were coming off a low fixed rate to the variable rate thx Phillip Lowe but Russell managed to get the best deal available such that we didnt have to endure too much pain with the new rates. The analysis was detailed and a number of options were provided Many thanks Russell, kristen and Jake - can highly recommend this mortgage choice team
Barry
11 September 2023

I have had a great experience with Russell Quinlan from Mortgage Choice Hornsby. I was looking to invest in a second property and also wanted to see if I could get a better interest rate than what I was on.
Russel was very approachable, knowledgeable, and sincerely wanted to get the best results for what I was looking for. When my circumstances changed halfway through an application, Russell quickly... read more
Danijela
07 September 2023

Russell and Kristin have been amazing from the initial contact, the team ensured we received exactly what we were after. Russell's communication, advice and help throughout the whole process was perfect, I highly recommend Russell and the whole team
Jason
23 August 2023

Very impressed with our recent interest rate discount that was organised by Mark Bambagiotti and negotiated with our bank by Kasey Moses. Thank you so much - the result was beyond what we expected so prompt - within a day of our request.
Gemma
21 August 2023

I have had a 5 star experience at Mortgage Choice, Mark Bambagiotti and Kristin McLeish have been amazing and really looked after me. I visited my own bank for a loan and was not happy with the amount I could borrow and Mortgage Choice were able to find me a bank that would lend me above this and now I have found my perfect home - just waiting for settlement thank you Mark and team
Mads
15 August 2023

Nathan and the team are fantastic and deliver fast expert results. Very happy to recommend them - thank you
Beth
21 July 2023

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

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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 $176,650 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 $650,000.

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.

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