Mortgage Choice Sydney | Mortgage & Home Loan Brokers

Call: 02 9231 0511

Sydney Mortgage Broker, Mortgage Choice Sydney provides an experienced, proactive service to find the best mortgage rates from a wide range of lenders.

Call Us Mortgage Choice Sydney
Office - 02 9231 0511

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

Address

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

Schedule a Meeting with Mortgage Choice Sydney

First Home Buyer Academy

Mortgage Broker Sydney

We enjoy helping our clients achieve their property aspirations.

We have a duty to put your interest first when recommending a home loan.

Mortgage Choice Sydney is a highly recommended mortgage broker in Sydney, renowned for winning multiple industry awards and building long-lasting client relationships. Our proactive and responsive service, combined with tailored mortgage solutions, sets us apart. As an experienced Sydney mortgage broker, we streamline the process for home and business owners seeking mortgages and finance, removing common pain points.

In the competitive Sydney market, buyers need to act swiftly. Our expertise and proactive approach enable us to compare home loans efficiently, securing the best mortgage rates for our clients. With a deep understanding of the Sydney property market and your financial objectives, we offer comprehensive mortgage comparisons from a wide range of lenders. Our guidance helps you select the right home loan products, increasing your chances of approval and ensuring you get the best deal possible.

As your local mortgage broker, we can help you through the stressful process of securing finance for your first home, next home or investment property.

Once we find the most suitable home loan for you, we’ll also complete your loan application and follow it through to settlement, keeping you up to date along the way.

We enjoy helping our clients achieve their property aspirations and look forward to assisting you to achieve your property plans anywhere in Australia.

At Mortgage Broker Sydney, our home loan service is at no charge to our customers because the lenders pay us a commission after your home loan settles, so you get all of our expertise at no cost to you.

Are you a first home buyer? Why not check out our free first home buyer academy!

Everything You Need from Independent Mortgage Brokers in Sydney: Offered by Mortgage Choice Sydney

One-on-One Relationship: When you choose Mortgage Choice Sydney as your mortgage broker, you benefit from a dedicated professional who guides you through the entire process, ensuring a highly personalized experience.

Best Interest Loan Selection: As your trusted mortgage broker in Sydney, we are legally obligated to recommend loan products that are in your best interest. Our commitment is to find the most suitable mortgage options for you.

Complimentary Property Reports: Interested in a property? Mortgage Choice Sydney provides complimentary property reports to help you make informed purchasing decisions.

Ongoing Relationship: Our service doesn't end at loan settlement. Mortgage Choice Sydney stays in touch with you annually to ensure your mortgage remains competitive and to explore additional wealth-building opportunities. This is part of our continuous 'Bank Manager' service.

Whether you’re a first home buyer, property investor, or looking to refinance, Mortgage Choice Sydney, your top mortgage broker near me, offers expert advice and support to help you achieve your financial goals.

We have a strong passion for educating our customers

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Top Rated Mortgage Broker in Sydney

At Mortgage Choice Sydney, referrals and recommendations are our largest source of business. As a highly recommended mortgage broker in Sydney, we are dedicated to maintaining high service standards to support our clients both in the short and long term. Our 5-star reviews and constant client recommendations are a testament to our commitment to excellence. We believe that our clients are the best advocates of our services, and our relationship-based business model ensures that no client feels like just another loan processed.

We provide a personalised service that is not restrictive like going directly to a bank, online lender, or an elitist city mortgage broker in Sydney CBD. At Mortgage Choice Sydney, we strive to deliver a tailored and responsive service that meets the unique needs of each client.

Compare Home Loans & Mortgages in Sydney

We simplify the mortgage comparison process for our clients, making it easier to find the best home loan in Sydney. With access to a wide range of of products, our advanced software connects directly to the banks, streamlining the selection of the right owner-occupied or investment loan.

By discussing your short and long-term financial objectives, we gain a clear understanding of your needs, helping to minimize fees, charges, and lenders mortgage insurance (LMI) costs.

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 was extremely satisfied with the service provided by Ryan and Paul Pappas at Mortgage Choice Sydney, it has been a pleasure dealing with them. Their expertise and guidance were instrumental in helping me secure a mortgage that perfectly aligned with my needs. They were patient, supportive, and knowledgeable throughout the entire process, ensuring I understood the available options and made an informe... read more

Stella
08 October 2024

Paul and Ryan have helped me with numerous mortgages over many years. They are always extremely helpful, not only finding the most suitable mortgage for my circumstances, but seeing it through right up until settlement and beyond.

Peter
01 October 2024

Ryan and Paul helped us with our latest property purchase, and weve been using them for a number of years. There service and guidance is always A class and catered towards all of me and my partners needs to secure our loan and connections to help us find our investment property. Would definitely recommend Ryan and Paul at Mortgage choice for your mortgage needs

James
10 September 2024

My wife and I have used Mortgage Choice twice now and always had great service. Ryan is super helpful and even came to my house to make sure all the documents were signed correctly. Definitely will be using Ryan again when it comes time to refinancing our mortgage.

Chris
29 August 2024

Mortgage Choice Paul, Ryan and Catherine
Thanks for your help hard work - great result achieved with the loans. I appreciate your time and your help assisting us secure these loans.
5 stars for product knowledge customer service
All the best
John B

John
23 August 2024

We used Mortgage Choice for the recent purchase of our new home. Paul was exceptional to deal with - he has a very in depth knowledge of the financial services industry and went above and beyond to get us the best interest rate at our bank of choice. He was very responsive to all emails and calls including a few on weekends that were very last minute at auctions and I wouldnt hesitate to recommend him to anyone

Kathleen
12 August 2024

We financed our first home through Ryan at Mortgage Choice Sydney and recently finished our first refinancing. As first home buyers, it was easy to be overwhelmed by the unfamiliar processes, but Ryan walked us through each step with patience and provided excellent guidance and clarity regarding the best steps for our situation. He is a highly professional and skilled broker, and I strongly recommend Ryan's services.

Alissa
04 July 2024

Excellent service. Ryan, Paul and the staff were great. I was provided with excellent advice, and kept up to date at all stages of my loan application. Highly recommended.

Denis
24 June 2024

So glad we reached out to Ryan and Paul. They are very responsive, friendly and quick to follow through. Will definitely be using them again.

Chris
12 June 2024

Ryan, Paul and the team at Mortgage Choice Sydney went above and beyond for my family when purchasing our new home. Nothing was ever to hard and communication was always honest and informative. I have and will always recommend the team at Mortgage Choice Sydney without hesitation and can't thank them enough for how hard they worked to help us achieve our property goals.

Jack
22 April 2024

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You could borrow up to

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Based on standard variable rate over years.

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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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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.