Mortgage Choice Sydney - Your Local Mortgage Broker & Home Loan Expert In Sydney

Call: 02 9231 0511

Mortgage Choice Sydney is your local mortgage broker and home loan expert in Sydney. Our team has over 25 years of industry experience.

Call Us Mortgage Choice Sydney
Office - 02 9231 0511
Fax - 02 9231 0611

Open Hours Mortgage Choice Sydney
8:30am - 6:00pm
Free Appointment

Address

Suite 2, Level 2, 88 Pitt Street SYDNEY, NSW 2000

Multi-Award Winning Mortgage Broker

Mortgage Broker Sydney is passionate about property ownership. For this reason, we want to work with our clients to help them achieve their dreams of buying property AND achieve greater wealth and financial stability through property ownership whether they are first home buyers or investors.

What makes Mortgage Broker Sydney different?

We are able to provide a tailored made solution to suit your individual needs, whether you are looking at purchasing now, or in the future.

Mortgage Broker Sydney provides;

One on one relationship - when using Mortgage Broker Sydney, you typically deal with the same person throughout the whole process, meaning we are able to provide extremely personalised services.
Loan product selection with your best interest's at heart.
Complimentary property reports for any properties you are interested to purchase’
Ongoing relationship - when you settle your loan with Mortgage Broker Sydney, our service doesn't stop there! We are generally in contact with you once a year to make sure your product remains competitive and look at other ways of improving your wealth! We refer to this as our ongoing ‘Bank Manager’ service.

If you're a first home buyer, property investor or simply looking to refinance, Mortgage Broker Sydney can help you. We offer experienced advice for;

What's Next?

To arrange an initial interview with Mortgage Broker Sydney to discuss your property objectives and mortgage requirements, click on the "Contact Us" link at the top of this page to book an appointment today!

About Mortgage Broker Sydney

Most Recent Property Market Update

First Home Buyer Grant Summary

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

Thanks Ryan, Paul and Catherine.
As always, you have been wonderful to deal with and made a complex process, both seamless and professional.
I look forward to working with you all again in the future.
Derek.

Derek
12 September 2023

Really happy with the service from Ryan and the team. Despite it being over 3 years and many changes of mind on our part from our first meeting to when we settled on our home, Ryan was always both patient and responsive with all of our requests. He made the whole process very smooth and we wouldnt hesitate to recommend his services.

Justin
24 August 2023

Paul Pappas, and his son Ryan Pappas, from Mortgage Choice have facilitated the purchase of three houses for us, as our circumstances have changed and we have needed very different homes over time. It has been a long relationship and they have been consistently excellent, always with our best interests at heart. Recently they helped us buy an investment property. Their professionalism and clear communi... read more

Steven
06 August 2023

Ryan, Paul and Catherine provided an excellent, professional and prompt service. They were offered excellent options and advice. I would highly recommend them if you are looking for a first mortgage or refinancing options.

Lesley
31 May 2023

Ryan Pappas and the team have been incredibly helpful providing advice, helping me through the lending process and negotiating on my behalf for the best home loan rates and deals across the market over the last few years.
Highly recommend reaching out if you need assistance
Big thanks

Daniel
29 May 2023

The service we receive from Ryan and Paul is outstanding. I highly recommend using this family team for all your home loan needs.

Callum
10 May 2023

Ryan and his team are outstanding. Service was seemless with excellent communication and attention to detail

Liam
21 February 2023

We are very happy to recommend Mortgage Choice, who saw us through the purchase process of our new unit. We found Paul and Ryan to be committed, approachable, clear and hard-working supporters.

Ralph
22 January 2023

Incredible Made our original Home Loan super easy, and have regularly helped us update and even change lenders to keep us paying the lowest rate. Can't recommend more highly

Rob
01 August 2022

Have worked with Ryan and the team on our mortgage needs for the past 7 years. Ryan is always professional, customer focused and ensures that the process is simple and easy to get through. Thanks for your support

Mike
26 July 2022

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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Calculate

You could borrow up to

Repayments
/ month
Expenses
Remaining

Based on standard variable rate over years.

Start the pre-approval process

The borrowing amount is a guide only. Loan repayments are based on the lowest interest rate (either standard variable or 3-year fixed rate, owner occupier) from our lender panel over a repayment period of 30 years. Rates and repayments are indicative only and subject to change. The results from this calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.

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You may borrow up to

Value of property

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Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

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Your monthly repayments
Total loan repayments:
Total interest charged:

There's a lot to consider when choosing the right loan.

The lowest interest rate from our lender panel is either standard variable or 3-year fixed for an owner-occupier. Rates and repayments are indicative and subject to change. The results from this calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.

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Total fees:

Breakdown	Amount
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Need help with your next home purchase?

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 $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.

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