Ben Dennis Mortgage Broker on Sydney's North Shore

Call: 0488 510 123

Ben Dennis, your local North Shore mortgage broker, offers his clients the benefit of more than 20 years’ finance experience, coupled with a commitment to exceptional service. “Providing customer service that is second-to-none is a non-negotiable for me,” he says.

Call Us Mortgage Choice Asquith
Office - 0488 510 123

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

Address

North Shore, NSW

Latest home loan interest rates

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

Start your home loan journey today

Services

Buying a home, a car or need commercial finance? Ben can compare loan options from a range of Australia’s top lenders, negotiate a competitive rate for you and guide you through the process every step of the way.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)

Other areas I service

Comprehensive lending advice paired with top-level customer service for all your personal and business finance needs. Ben offers a fully mobile mortgage broking service throughout metropolitan Sydney, servicing suburbs including but not limited to:

North Shore
Hornsby
Asquith
Waitara
North Turramurra
Turramurra
Mount Kuring-gai.

He can also assist interstate clients.

What is your borrowing power?

When you're ready to purchase your property, it's important to have a good understanding of how much you can borrow. We know that finding out how much you can borrow for a property can be a bit confusing, which is why we have some great resources at your disposal.

Feel free to check out our easy-to-use home loan calculators here or get in touch with Ben to discuss your unique situation.

Ready to start your home loan journey with Ben's help?
Find out for yourself how I can help. I'll make your next purchase an easy one.

Call Ben on 0488 510 123 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

Ben was fantastic through the entire process.
He was friendly, approachable, professional, reliable, available whenever we had questions, and he always had the answer or could direct us to where to find it.
Everything he said he would do, he did.
The process of getting our first mortgage was intimidating but Ben really helped us through it, even after it was all said and done.
If you're looking at buyin... read more

Evan
10 July 2024

Ben was absolutely fantastic throughout the entire mortgage application process to settlement. He is very friendly and approachable, and was always prompt in replying to emails and phone calls. He gave us sound advice and reasoning at all stages.
As first home buyers the thought of going through the mortgage application process seemed very daunting. Having a mortgage broker, especially someone as great... read more

Kate
09 July 2024

Ben made the entire process super easy and was quick to respond to any questions that we had. Would definitely recommend.

08 July 2024

Ben is fantastic - he has looked after us for 10 years. He is very approachable, efficient and practical and has lots of very wise advice. I wouldn't trust anyone else

Amanda
04 July 2024

Ben has helped us manage our finance partners for many years now. He is thorough, helpful and fast. I highly recommend him as a broker, he will save you money

Jason
04 July 2024

Ben led us through the process step by step answering all our questions and explaining everything. He was a pleasure to work with.

Priscilla
04 July 2024

Ben made this process incredibly straightforward, answering all of our questions and supporting us to get the best outcome possible. Ben was thorough, patient and transparent about each step of the process. I am very appreciative to have had his knowledge and expertise when buying my first home. Thank you, Ben

Jess
01 July 2024

Absolutely cannot recommend Ben Dennis highly enough I have worked with Ben on a number of occasions and every time he demonstrates that he has my best interests at heart, is a consummate professional, and works tirelessly to find the best options tailored to my specific needs. Ben always delivers a fantastic outcome.

Bens dedication, expertise, and genuine care truly sets him apart in my opinion. If y... read more

Tyrone
16 June 2024

Highly recommend Ben from Mortgage Choice. We used his services for both our original mortgage and refinancing. He always makes sure he finds you the best deal for your needs, explains and walks you through the process and answers any questions you may have. His help has been invaluable during this process.

Jess
12 May 2024

Ben Dennis is a legend when it comes to evaluating the right home loan for you. He is very thorough with his work and works very hard in getting the right loan for you. I would highly recommend Ben for people looking to get the best home loan to cater their needs.

Akshay
28 April 2024

Property investor guide

If you are looking to invest in property or simply exploring the possibilities, this guide will help you navigate the steps involved to kickstart your property investment journey.

Download now

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You could borrow up to

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/ month
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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.

Ben Dennis Mortgage Broker on Sydney's North Shore

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