Your local award winning mortgage broker offering home loans and financial services from Manly & Seaforth to Frenchs Forest & Belrose

Call: 0401 832 734

Home loan expert on the Northern Beaches? Talk to Chris Le Claire, your Mortgage Broker Manly Seaforth Balgowlah to Killarney Heights and Belrose. Chris was recently awarded NSW/ACT Rising Star of the year award for 2018 at the Mortgage Choice National Conference.

Call Us Mortgage Choice Artarmon
Office - 0401 832 734

Open Hours Mortgage Choice Artarmon
8am - 8pm
Free Appointment

Mobile Broker

We can come to you in Manly, Fairlight, Balgowlah, Seaforth, Frenchs Forest, Killarney Heights

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Welcome to Mortagage Choice on the lower Northern beaches and surrounding suburbs. Call us today and let us show you just some of the ways we can help you on your mortgage journey.

Here at Mortgage Choice Manly, we offer our clients a full suite of Financial Services helping them to create a better life and financial security. With over 16 years of experience in Accounting and finance, our knowledge is second to none. We have a panel of over 20 lenders ranging from the big four to credit unions and building societies.

Our services include:

Residential Mortgages - New, Construction, Refinance, First Home Buyers, Family Guarantees, Equity Access and Investors
Deposit Bonds
Property Specialists
Insurance
Personal Loans
Credit Cards
Depreciation Schedules for Investment Properties
Self Managed Superannuation Fund lending
Mortgage Choice Asset Finance
Commercial Lending

We don’t charge to find the right loan for you

We are paid by the lender once your loan settles. In some limited circumstances we may charge a fee, which would be discussed with you before proceeding.

Where we work

Our team looks after clients all over Sydney and NSW, however, we focus on the Northern Beaches suburbs of:

Manly, Fairlight, Queenscliff, Freshwater, Curl Curl, Brookvale, Seaforth, Balgowlah & North Balgowlah, Contarf, Allambie Heights, Belrose, Oxford Falls, Frenchs Forest, Forestville, Killarney Heights and Davidson.

Car Loans made easy

Mortgage Choice Asset Finance makes car buying and finance hassle free. From organising finance and insurance to our car buying service which sources and negotiate with the vendor on your behalf.

Contact Chris on 0401 832 734 to arrange an appointment to discuss your options! I am available to visit your home or office at a time that is convenient for you in order to make the process as simple and stress free as possible.

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

Chris Le Claire from Mortgage Choice was amazing during the purchase of our investment property. He sorted out a very complicated loan situation and explained everything clearly while helping me to remain calm and composed. With a solid accountant background, he is the perfect for complex loan structures or even the simpler ones.

Greg
15 April 2024

Chris ..what can I say. Thank you for everything.. from coming out to our house to answering my messages calls and questions for months and months, to physically bringing contracts out to our old home. Very much appreciated. The best part was what you secured for us from a loan's perspective. I didnt expect we could get this much and you leveraged your relationship with the lender very well.. many thanks Chris

Paul
25 May 2023

Chris was fantastic when it came to helping with acquiring pre-approval. Fast, approachable, excellent communication throughout and very friendly. Highly recommend

Dylan
04 December 2022

Highly recommended mortgage broker. Working through our financial goals, Chris is able to explain various options in a straightforward manner. Guides you to the best possible option without pressure nor stress.

Neal
18 June 2022

Amazing for first home buyers - We felt that Chirs' knowledge and experience in the home loan space gave us confidence that we were getting the best possible deal on our home loan. Consistent check ups including an unprompted call to lock in a fixed rate that saved us thousands of dollars over the course of a couple of years. Highly recommend.

Tim
18 June 2022

I wanted to let you know that your Creating Wealth through Property seminar really hit the mark. The feedback from the commercial team has been fantastic. Our personal development sessions at Nearmap are about staff investing in themselves so that they can manage themselves effectively regardless of what life might bring their way. Your presentation was a great fit. Thanks again for your professionalism and support. March 2017

John Biviano - SVP & General Manager Nearmap Australia
16 December 2017

Great efficient and honest service

Timothy Pigott
16 December 2017

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

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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.