Welcome to Mortgage Choice in North Sydney - your local home loan expert for North Sydney, Kirribilli, McMahons Point, Milsons Point, Lavender Bay, Waverton, Neutral Bay, Cremorne, Mosman, Wollstonecraft and Crows Nest

Call: 0411 601 460

With over 18 years’ experience in the home loan industry, Leeanne Scott is the multi award-winning senior broker at Mortgage Choice in North Sydney. She’s passionate about going the extra mile to help you get the best deal on your mortgage for your dream home and strives to make the home loan experience as enjoyable and stress-free as possible.

Call Us Mortgage Choice Lavender Bay
Mobile - 0411 601 460
Office - 02 8920 3455

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

Address

Bay 6, 9 Middlemiss Street LAVENDER BAY, NSW 2060

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.

Your local mortgage broker and home loan experts in North Sydney and surrounding suburbs

As your local mortgage brokers, the team at Mortgage Choice North Sydney is perfectly placed to secure the most competitive home loan for you.

Whether you’re a first-time home buyer, a property investor, a home owner wanting to renovate or refinance or if you'd like to consolidate or secure a loan, we can take the legwork out of finding the best deal for you and support you throughout the whole process.

🧑‍💻 So don’t waste time searching for a home loan – let us do the legwork for you. We'll review over 3000 home loan products and find the right one just for you.

We're the main point of contact between you and the lenders and will always provide sound advice and professional support throughout the entire buying process.

And because mortgage brokers get paid a commission by lenders on settlement of your home loan, our services won’t cost you a cent!

Don’t hesitate to contact us on 02 8920 3455 to discuss the options available to you or book an obligation-free appointment.

"Thank you very much for our new home!"

"Initially, I didn’t even think we could afford our own property. Excellent job! Everything ran smoothly and on time. Great detailed explanations and quick replies which was very much appreciated. I always knew what was going on and what to expect. Thank you very much for our new home!"

Start your home loan journey today

Find Us!

📍Our North Sydney office is right between Milsons Point and North Sydney train stations and just up the road from Milsons Point ferry⁠ wharf. But these days, we're available to chat in lots of different ways too! We can connect over Zoom, Google hangouts, email and the good old telephone 🤳

We're passionate about going the extra mile to help you buy your dream home, refinance your current loans or work through financial issues. We've worked with thousands of locals in North Sydney, Kirribilli, McMahons Point, Milsons Point, Lavender Bay, Waverton, Neutral Bay, Cremorne, Mosman, Wollstonecraft and Crows Nest. Contact us today to set up your free, no obligation chat. We're here to help 🏡

You're never a loan.

How we can help

🏡 Home Loans

If you’re looking to secure your first home loan, add to your property portfolio or reduce repayments on your existing mortgage – we’ll help you to secure the very best deal. Our advice and assistance comes at absolutely no cost to you. When you finalise your home loan, your chosen lender pays us a commission which means you do not pay us a cent.

🤞 Insurance

Home, contents, car, life…With so many different types of insurance available and such a variety of policies to choose from, we can help you decide on the right choices for your situation. And while you might already have policies in place, are you getting the best deal?.Our Financial Planner can help you with all facets of insurance.

🚗 Car Loans

Ready to upgrade to the latest set of wheels? As brokers, we have access to a network of 20 lenders to find the right loan for your new car. We can help with finance for self-employed workers and are experts in refinancing.

💰 Business Lending

Whether you’re a small business just starting out or a larger organisation looking into commercial property or equipment finance, we’re here to help. We will research the commercial finance options on offer and find the right business loan for your needs.

"Leeanne went over and above. She was really friendly and incredibly knowledgeable and made it easy for me to make crucial decisions."

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

We've worked with Rob Bulgin for many years and only have good things to say about him as a mortgage broker. Rob's tireless efforts to get you loan estimates after hours, on weekends, and even when he is on his own family holiday cartainly do not go unnoticed. We have referred him to numerous family and friends for his services, all of which have thanked us and shared raving reviews.
Rob is certainly... read more

Gerry
15 July 2024

I have been Rob's customer for over six years. His detailed knowledge, professionalism and promptness are what keep me coming back. From knowing what product to use for a given situation to following up over time to assess if it is stil the best option, Rob has always demonstrated he is among the best in the industry.

09 July 2024

I unequivocally recommend Rob. He's helped me over the last 8 years since 2016 with financing and refinancing several properties. Some have been easy, some required him to move mountains to get the deal done for me And because of his skill and commitment to helping me as his customer, he has achieved amazing things for me.
He's incredibly responsive, professional, and kept me on track when I forget loose ends needed in the process. Thanks so much for all your help, Rob. I really appreciate it

Liz
08 July 2024

First time buyers in Australia, and Rob made the whole finance related process from initial engagement to post settlement incredibly easy. Very helpful and responsive.

Dane
06 July 2024

Robert Bulgin helped us immensely with the purchase of our second property. I can not recommend his services highly enough He explained everything clearly to us in a way that was easy to understand and was always happy for us to reach out at anytime if we had any queries related to any part of the process at any stage. Robert then helped us out again nearly 12 months later with further queries and le... read more

Briony
17 June 2024

I cannot speak more highly of Robert Bulgin. Rob is incredibly knowledgeable, responsive, thorough and patient. He has taken a lot of time to understand my situation so that he can be sure he's recommending the best options for me - there's nothing 'cookie cutter' about the services provided. I'm grateful for the time Rob has taken to answer all my questions at each step of the process. Mortgage Choi... read more

Samantha
13 June 2024

We had a great experience working with Rob. Throughout the whole process he consistently offered support and guidance along with impeccable communication. We always felt like we were in good hands and he made the process very smooth and easy.

Chantelle
06 June 2024

Thanks to Robert Bulgin I had an ongoing enquiries for months Robert was so helpful and patient. And with his help I acheived more than I could of imagined.

Sean
02 December 2023

Thanks to Rob. Excellent service.

Sean
18 June 2023

Thank you to Robert and the team for the ongoing fantastic service My wife and I have been dealing with Robert for almost two years now Robert helped to settle our first loan, explore possible reinvestment options, then also was able to negotiate the interest rate with the bank on our behalf almost a year after the settlement of the recent loan. Its great to have the confidence in someone you trust and can reply on in these major financial decisions. Five stars well-deserved

Vlad
01 June 2023

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.