Home loan experts in Gladesville, Ryde and the surrounding local area for over 16 years

Call: 1300 552 118

Get home loan advice and reach your financial goals with the experts from Mortgage Choice Gladesville. Talk to us today to find the right home loan for you!

Call Us Mortgage Choice Gladesville
Office - 1300 552 118
Fax - 1300 722 756

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

Address

1/209-213 Victoria Road GLADESVILLE, NSW 2111

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

Start your home loan journey today

Your Local Home Loan Experts in Gladesville and Ryde!

Meet Maria Zappia and Lea Abdo, a dedicated mother-daughter duo with over 16 years of experience in mortgage broking and property. Our expert team services customers in Gladesville, Ryde and the surrounding area and are here to help you achieve your financial goals with exceptional support and guidance every step of the way.

Why Choose Us?

Personalised Service: We go above and beyond to keep you informed and supported throughout the entire loan process.
Diverse Lender Options: Access multiple lender choices to find the best fit for your needs.

No Cost to You: Our service is free because the lenders pay us a commission after your home loan settles, so you get all of our expertise at no cost to you.

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

We offer home loan services & advice for:

First home buyers
Refinancing your existing loan or upgrading to your next home
Investors & owner-occupiers
Debt consolidation
Self-Managed Super Fund (SMSF) home loans
Car loans
Personal loans
Credit cards
Equipment Finance & Leasing

And our convenient meeting options include:

Phone meetings
Video call meetings
Face to face in our Gladesville office
In the comfort of your home
During business hours or after hours
Saturday appointments available

Hear what some of our customers have to say!

We also collaborate with local real estate agents, property managers, financial planners, solicitors, and tradespeople to offer you a comprehensive service.

Some of our current clients include major corporations like Optus, Canon, and Foxtel. Contact us to find out how we can arrange free home loan health checks for your employees.

For peace of mind and expert assistance, call us at 1300 552 118 to schedule your free, no-obligation appointment today!

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

I'm a repeat customer, always happy with the service, level of communication and effectiveness of this team. Thanks again Lea Sam

Michael
02 August 2024

This team is AMAZING
Thank you so much to our broker Lea, Samantha and the team at Mortgage Choice Gladesville.
The dedication and persistence throughout the loan approval process was professional and helpful. Definitely would recommend to anyone who needs an honest and knowledgeable mortgage broker

SARA
16 July 2024

Maria Zappia and her team Samantha Casey are amazing from the minute I hired Maria back in 2014 as a first home buyer and now again in 2024 whilst selling and buying my new home off the plan. Maria was very informative, encompassed everything I needed to know, liaised well with my conveyancer and provided all information on my behalf. Mortgage Choice Gladesville was the best choice, I live regionally... read more

Kelly
14 July 2024

Lea and Samantha were incredibly diligent, professional and friendly throughout our whole purchase. Always quick to answer any questions we had and ensured we thoroughly understood everything. We would absolutely use them again, and highly recommend. We thank you so much of being part of our first home purchase

Yasmin
01 May 2024

I can highly recommend this business. I had a 5 star service with Lea Abdo throughout the process.The quality of her knowledge and experience was exceptional. Lea was responsive and helpful and very supportive. Thank you Lea for being so kind and caring helping me get my loan application across the line for my home. Greatly appreciated.

Michelle
21 April 2024

We've ben using Lea and the team at MC Gladesville for almost twenty years and have always had a great experience with them. They really know their stuff and are always willing to spend a little extra time with us to make sure we're comfortable with everything. We'll certainly be using them when it's time to refinance next.

Rob
17 April 2024

Lea and Sam were a great help, especially with getting approval after some difficulties from the banks for the property I was after.
Update 2024 And they again were great helping me with a refinance.

Andrew
28 March 2024

Big thanks to Lea for her exceptional support during our initial home loan request and our refinancing journey. Her expertise, effective communication, and negotiation skills were outstanding. From start to finish, she made the process seamless and stress-free, guiding us with professionalism, integrity, and advising us on what was the best strategy according to our situation. In simple words 100 recommended. Looking forward to continuing our partnership in the future

reynaldo
03 March 2024

Lea was fantastic for me when I bought my apartment and after, when I refinance my mortgage. She was always responsive, supportive and negotiate the best options for me.

Patricia
01 February 2024

Lea was very efficient in her communications. Nothing was too hard, quick turn around in her responses, and got the job done. Would recommend.

Gillian
15 January 2024

Refinancing guide

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

Download now

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

PAYG Self Employed

My monthly income before tax

Rental income

My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

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

Repayment options

Extra monthly repayments

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.

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

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.

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.

Click here for more information on the WA First home Owner Grant.