Mortgage Broker Northern Beaches & Dee Why

Mortgage Brokers Northern Beaches Sydney - including Dee Why, Narrabeen, Mona Vale, Terrey Hills, Avalon & surrounding areas

Call: 0410 343 858

Looking for a home loan? Talk to Ryan Ewart, your local Northern Beaches Mortgage Choice broker. Let us research and compare from over 20 lenders for you

Call Us
Office - 0410 343 858
Fax - 02 8079 6863

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

Address

1/657-659 Pittwater Road DEE WHY, NSW 2099

Mortgage Choice on the Northern Beaches. Your local Mortgage Brokers and Home loan Specialists.

Ryan, Elizabeth and Nathan have over 25 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 North Shore.

Why choose Mortgage Choice on the Upper North Shore? Our team specialises in all forms of Residential Lending including:

Did you know we can help you with:

Buying or building a new home
Purchasing your First Home
Refinancing your existing property
Car loans & personal loans
Full financial planning services
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 20 lenders to find the most suited loans - and Mortgage Choice Brokers are paid the same commission by the lender regardless the loan, regardless the lender. Our services don't cost you a cent.

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

Hear what some of our customers have to say!

What services does Mortgage Choice Dee Why offer?

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.

Figure out how much you could borrow for your next property with our home loan borrowing calculator.

Call Ryan Ewart on 0410 343 858 to talk to the team servicing Sydney's Northern Beaches. We look forward to meeting 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. ~

Google Reviews

See all Google reviews

I would just like to say a very very big thank you for all of your help and advice which made my dream of owning my own property again a reality.
Your knowledge and professionalism is outstanding and will be recommending your services to all of my friends.
Sue H, Turramurra, NSW
- Upgrader

We can not thank Ryan and Margi enough go for their help. They worked with extremely tight deadlines to secure our finance. In a stressful situation for us as purchasers Ryan and Margi worked hard to produce a successful result, all the while keeping us well informed and reassured. They were available at all times to support us, even with an unforeseen last minute hiccup, helping on a Sunday to get documentation completed. A great team to work with, highly recommended.
Matthew and Jennifer, Collaroy, NSW
- First Home Buyer

We have been involved with Ryan at Mortgage Choice since we bought our first apartment in Jan 2006. Ryan has continued to be an amazing source of knowledge and information. He is always willing to meet face to face and discuss any queries we have and whenever we meet he is there with a smile on his face. This kind of service has made us feel comfortable and confident in our investment decisions.
Godfrey and Rayni, Frenchs Forest, NSW
- Refinancer

We had never used a broker before for Housing loans and we were blown away. Our expectations were exceeded at every turn. It wasn?t about a loan it was about buying a home ? thankyou team! Ryan was always available to answer questions from the loan process to questions about the sale process. We will highly recommend Mortgage Choice to everyone we know.
Rob and Michele, Dee Why, NSW
- First Home Buyer

Ryan and the team at Mortgage Choice have made home loans a simple matter and not a complicated one. For many years Ryan's Team have been our one stop shop for all loan matters and we trust we are always getting the best possible product for our circumstance.
With regular news letters and updates to see how we are going.. we could not ask for better service and a more knowledgeable crew. Our Redraws and loan variation have been a breeze! Thank you again!
Daniel, Cherrybrook, NSW
- Refinancer

You both were amazing, going above and beyond to help us find the best loan and then to make it happen. You both made this experience for my husband and I a lot less stressful as we knew that you were always on top of everything. Thanks again for all your hard work
Lauren and Peter, Castle Hill, NSW
- Upgrader

Excellent service. Ryan and team kept us updated throughout the process and always responded promptly to queries. They were always available and really tried to go the 'extra mile' with their level of service. It was a pleasure dealing with them and I wouldn't hesitate to recommend them to others.
Angus and Meredith, Berowra Heights, NSW
- Upgrader

Ryan and his team are simply wonderful! No question was too stupid and he was always available even late into the evening and over the weekend. We are first home owners and the experience has just been exciting & fun with a small amount of self inflicted stress! Every step of the way was kept simple and very easy for us to understand. We would (and have) definitely recommend Ryan and his team to friends and family. Thank you for helping us purchase our first home!!
Sarah & Dylan, Baulkham Hills, NSW
- First Home Buyer

Nathan and his team were a pleasure to deal with and ultra professional. Home loans are a big life decision and having so many products out there doesn't make it any easier. Having these guys on our side made the decision process a whole lot easier through their advice and expertise in this field. This is the second time we have dealt with Mortgage Choice and we would definitely do it again.
Tony and Candace, Forresters Beach, NSW
- Upgrader

I have engaged the services of Mortgage Choice for a number of years now. Their professionalism, sound advice and expertise in selecting the appropriate product loan has proven over time to be the right one. I have also utilised their Financial Planning services, gaining sound advise and follow up service.
James and Rosemary, Thornleigh, NSW
- Property Investor

Our recent sale and purchase was made so much easier by Mortgage Choice, specifically Ryan and Susie. The transition between our old and new loan has been seamless and we really felt that Ryan took on board all our needs when finding a new loan. We were constantly amazed at the access we had to these guys, especially over the busy Christmas period...with Susie constantly checking in and Ryan always being on call (and always answering!) Thanks so much to you both, this is the second time we have used your services and we wouldn't hesitate to use you again.
Andrew and Alexandra, Berowra Heights, NSW
- Upgrader

Both Ryan and Susie went above and beyond the call of duty to ensure our speedy settlement went smoothly. They explained all our questions clearly and patiently and kept us updated every step of the way. They are a great team and we know we couldn't have pulled off our settlement in 3 weeks without them. Not only that but they ensured we received the best rate for our significant mortgage. We can't recommend them highly enough!
Raph and Elli, Dover Heights, NSW
- Upgrader

Ryan and Susie are always amazing to deal with. They go above and beyond to make the process of finding the best loan for us as simple as possible and always finds us the best loan suitable for our suituation. All three Ryan and Susie has help us we have been extremily happy with their work. Our family will always continue to use their services
Peter and Lauren, The Ponds, NSW
- Property Investor

Ryan and Margi work as a professional team which made my transition from one lender to the other so much easier. Nothing is too much trouble with Ryan explaining each of the forms I needed to complete to me with minimal fuss and effort. Margi kept me updated on the progress of the settlement at all times. The customer communication was superior and I felt included during the journey. I have no hesitation in recommending Ryan and Margi to my family and friends for their mortgage needs.
Pauline, Dulwich Hill, NSW
- Refinancer

Our interaction with Ryan and Susie was exceptional. Both Ryan and Susie were professional and helped us with all our queries. Ryan was able to save an additional 0.05% on our loan by combining our loans with the Bank.This was not something our previous mortgage brokers offered. Thank you team.
Kermeez and Vijay, Hornsby, NSW
- Property Investor

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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.

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Mortgage Brokers Northern Beaches Sydney - including Dee Why, Narrabeen, Mona Vale, Terrey Hills, Avalon & surrounding areas

Dee Why

Mortgage Choice on the Northern Beaches. Your local Mortgage Brokers and Home loan Specialists.

Did you know we can help you with:

Industry Professionals with Your Interests at Heart

Hear what some of our customers have to say!

What services does Mortgage Choice Dee Why offer?

Our Customer for Life Philosophy

Call Ryan Ewart on 0410 343 858 to talk to the team servicing Sydney's Northern Beaches. We look forward to meeting you.

The right home loan for your needs

Google Reviews

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