Robert Bulgin
Top Mortgage Broker of Choice in North Sydney, Leeanne Scott and her dedicated team will leave no stone unturned to achieve the right result for you.
Lavender Bay
- Call Us Mortgage Choice Lavender Bay
- Mobile - 0403 569 259
- Office - 02 8920 3455
- Open Hours Mortgage Choice Lavender Bay
- Monday - Friday: 9:00am - 5:00pm
After hours by appointment - Free Appointment
Address
Bay 6 9 Middlemiss Street LAVENDER BAY, NSW 2060
Located at 'Work Inc', Bay 5, 9 Middlemiss Street in North Sydney, we are just a hop, skip and a jump away from both North Sydney and Milson's Point train stations.
"Each individual, irrespective of background or financial circumstances, has the right to be able to access quality, professional assistance when seeking out the best home finance for their own circumstances."
Combine a genuine passion for finance, an absolute commitment to client service and an unmatched level of enthusiasm and what do you get..? Mortgage Choice in North Sydney!
Our team believe that the missing ingredient in modern lending can be found right here - personal attention from someone who cares.
We will leave no stone unturned to achieve the right result on time.
Call us and we guarantee to deliver on our commitment to you. It is no surprise that this Mortgage Choice franchise has been ranked as one of the best in Australia in every year of its operation.
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. ~
As a first home buyer with little confidence or knowledge in the process of buying plus plenty of personal challenges which also caused me extra delays and stress in the home buying process, Leeanne remained a guiding light of level headedness, confidence and knowledge in the market. Leeanne provided necessary experience on how to navigate the process from making an offer to collecting to keys. I am hugely grateful to Leeanne and her wonderful team for the utmost professionalism and kind support. Without her persistence and unwavering faith, I would not achieved what I have today.
R Bourke, Manly Vale, NSW
- First Home Buyer
Thankyou Leeanne for your wonderful personal skills, friendly nature and professional nature in which you conduct business. I have and will continue to recommend you and also tell them of your wonderful way you conduct your yourself.
K Phillis, Marickville , NSW
- Refinancer
First rate from the beginning and throughout the entire process. Our expectations were exceeded and we felt like we were in the best hands in Sydney
D Hanks, North Gosford, NSW
- Upgrader
My experience with Mortgage Choice can be summed up in one word - fantastic. I had no idea what I was doing - Leeanne's advice was invaluable. What should have been scary - my first mortgage - was calm and controlled.
F Dear, Neutral Bay, NSW
- First Home Buyer
My mother used Mortgage Choice in Kempsey and couldn't speak more highly of them, so when I spoke to her about possibly looking into a housing loan, she told me to try Mortgage Choice and lucky for us we did!
Our experience with Mortgage Choice was fabulous from start to finish. Leeanne met with us at very short notice and explained things in 'plain english' for us, making what can be a complicated and stressful decision making process into a very smooth and enjoyable experience. From the day we saw Leeanne to when we exchanged contracts was only 10 days and we only had the final figure 1.5 days prior to exchange so leeanne worked very hard to have everything finalised in a very short period of time. Leeanne was always accessible and extremley professional.
Andrew and I can't thank Leeanne enough for all her assistance and we've been speaking her praise to anyone who will listen or is interested in taking out a loan! Thank you Leeanne, your efforts are truly appreciated by myself and Andrew!!!!K Magnus & A Metcalf, North Sydney, NSW
- First Home Buyer
Given my years in property development, I have dealt with most major banks as well as various brokers at a high level and I can state categorically that I have never come across such a professional, sensitive, caring and proficient outfit such as you and your girls.
B O'Brien, Balgowlah, NSW
- Property Investor
Once again ? thank you. I won?t be going to anyone else, nor will Samantha.You have your finger on the pulse, you know your products inside out, and you get genuine pleasure from helping people achieve their dreams! It was your invite to a ?health check? last year that sent Sam on the path to a second property. We spent the next few months looking at a couple of properties every Saturday and browsing the internet ? and ?when you seek ? so you shall find!?
For myself, I feel liberated ? everything is in place for a great start to getting free ? something I have never been. Lastly ? I have referred you a number of times ? even to people like the insurance guy on the end of the phone when he asked ?how did she get her second investment property by 24?? I give them your name and number ? as did Rodney give us yours ? and like we do with Rodney we will always return! Spoken from my heart, JennieJ Guille, Maroubra, NSW
- Upgrader
It was fantastic to work with someone who obviously loves their job, displays such enthusiasm and knowledge, making you feel comfortable, not patronised, secure and able to trust that during one of your most important decisions, you are working with the right person to get the result you want.
A Leonard, Ashfield, NSW
- Upgrader
We are very happy with Leeanne who goes out of her way to help you during the time (approx 1 year) from getting to know our options to achieving our goal!
D Kyaw & M Zin, Auburn, NSW
- First Home Buyer
My experience was brilliant. The service was above and beyond the call of duty with information and referrals to other service providers. I felt respected and that my best interests were the most important thing.
C Field, Hunters Hills, NSW
- Property Investor
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Need help with your next home purchase?
Talk to an expertExtra 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
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