Award Winning Mortgage Brokers and Home Loan Experts in Neutral Bay, North Sydney & Mosman

Call: 0414 242 924

At Mortgage Choice in Neutral Bay, we're committed to making the search for a great home loan easy for you. Our Mortgage Broker team do all the shopping around and research from over 25 lenders to find you a loan that's as good a fit for you, as the property itself.

Call Us Mortgage Choice Neutral Bay
Office - 0414 242 924
Fax - 02 9908 7822

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

Address

Shop 2, 211 Ben Boyd Road NEUTRAL BAY, NSW 2089

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Support from Neutral Bay's local award winning team

When it comes to choosing your home loan, the expert support from our Mortgage Broker Neutral Bay & North Sydney team can be the key to securing the right loan for your next purchase.

The trouble is, the thousands of home loans available can make it almost impossible to know which loan is right for you. This makes our job as your local Mortgage Broker Neutral Bay team that much more important! We can sift through all the options and help you find the right home loan for you.

Check out our lowest interest rates

The right loan matters

Your home loan is an important step in your finances, so it's important to get it right. As your local Mortgage Broker Neutral Bay team, we do the shopping around to find a home loan that is as much a good fit for you as the property itself.

Our Mortgage Broker team work with an extensive panel of over 25 lenders, including Australia's biggest banks and some specialist lenders. By taking your circumstances into account, we can pinpoint the home loan that is right for your budget and your lifestyle.

We will research the market, understand your individual circumstances and find a home loan tailored to fit your situation.

Simplifying the loan application

Understandably, many of our customers find the home loan application process a bit daunting. The best part about using our Mortgage Broker Neutral Bay & North Sydney team is that you're not doing it alone. In fact, we'll do all the paperwork & application for you!

Our team will even act as your point of contact with the lender, keeping you posted on the progress of your application at every stage – right up until you celebrate the settlement of your loan.

Our home loan service is no cost to you

Like many mortgage brokers, our service is no cost to you as the lenders pay us after the loan settles.

Our Mortgage Broker Neutral Bay team

With over 32 years of experience in the finance industry as a home loan & property expert, Stephen Lemm - along with his team in Neutral Bay, North Sydney & Mosman, are the perfect choice to help you with your next home loan.

We are able to help you remotely during lockdown via phone or video! When we open back up again we would love to see you at our office on Ben Boyd Road in Neutral Bay.

Call Stephen & the Mortgage Broker Neutral Bay team anytime on 0414 242 924. We can't wait to help you with your finances! It's what we love to do.

Email Stephen directly

^{Our Mortgage Broker Neutral Bay team service the areas of: North Sydney, Kirribilli, Cammeray, Mosman, Neutral Bay, Cremorne & surrounds.}

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Read more of our customer reviews

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

Weve used Stephen and the team for many years and have recommended them to countless friends and family he goes above and beyond to get the best rates and makes financing as easy and stress-free as possible. We really value the partnership with Stephen, which has been pivotal in helping us secure our financial future.

Benjamin
14 September 2024

Experience with Stephen and the team was straight forward and hassle free, he took the time to chat through each step of the property purchasing process with full transpaency and was always available to answer any questions or provide clarity. Highly recommend the services from Stephen and the team at Mortgage Choice Neutral Bay.

Michael
27 August 2024

We had a great experience with Stephen and Shannon. They made the process very easy and less stressful, which was particularly helpful as a first home buyer. They were very knowledgeable and answered all of our questions in a way we understood. Also very much appreciated the prompt communications throughout the whole process and the flexibility with their time. Highly recommend the team at Mortgage Choice Neutral Bay

Emily
12 August 2024

Buying our first home was a big step, but Stephen Lemm and Mortgage Choice made it super easy. They answered all our questions and turned a confusing process into something smooth and simple. Stephen got us the best rate, and I know that we wouldn't have had such a good experience without him.

Highly recommend Mortgage Choice Neutral Bay theyre the best

Gen
02 July 2024

My sister and I recently purchased our first home, and I couldnt be happier with the service provided by Stephen. From start to finish, he made the entire process smooth and stress-free. He took the time to answer our copious questions and explain different loan options, interest rates, and helped us understand the nuances of the mortgage market. His expertise was invaluable Stephen understood our uni... read more

Millie
02 July 2024

Stephen helped my husband and I with getting a home loan, we tried a few brokers and they weren't able to get us what we wanted as I'm a sole trader it was more of a tricky loan to get. I was already feeling deflated from my previous experiences with the other brokers and when I got into contact with Stephen straight away he made me feel more confident and was ensuring me he will be able to get us thi... read more

Ashley
05 June 2024

Mortgage Choice were amazing Had no idea where to start when purchasing our first home and when I got into contact with Shannon and Stephen they took it off my hands and went above and beyond. Couldnt recommend more.

Cassandra
04 June 2024

Stephen was amazing He was always so quick to reply and presented us with so many options and ways to achieve the outcome we were after. He was so thorough and reassured us the whole way, 1110

Ashleigh
30 May 2024

Working with Stephen was an absolute pleasure from the moment we met. He not only helped us secure our apartment but also walked us through the entire home buying process with patience and expertise. From explaining the various mortgage options to guiding us through paperwork, he was with us every step of the way. The personalised approach made my husband and myself feel valued and supported throughou... read more

Alexandra
01 May 2024

Nothing is too hard for Stephen and his Mortgage Choice team. He fights hard for his customers, and has the experience and commitment to find them the best deal possible. I highly recommend Stephen to you if you are looking for a new home loan.

Grant
24 February 2024

Refinancing guide

If you’re thinking about refinancing, this guide can help you learn more about the refinancing process, benefits and options available.

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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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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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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.

From 09 May 2024, if you buy a home costing up to $450,000, no stamp duty is payable at all. If the value of your home is between $450,000 and $600,000, you’ll be entitled to a reduced rate of stamp duty.

There are no additional concessions for homes valued above $600,000 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.