Marianne Snaidero

Mortgage Choice Double Bay | Mortgage Broker Eastern Sydney

Call: 0438 778 812

Looking for a home loan? We are your local Mortgage Brokers in the Eastern Suburbs of Sydney.

Call Us Mortgage Choice Double Bay
Mobile - 0438 778 812
Office - 02 9326 1894

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

Address

Suite 306, 377 New South Head Road DOUBLE BAY, NSW 2028

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Marianne and Loris Snaidero are your local Mortgage Choice brokers!

Marianne and Loris Snaidero are your local Mortgage Choice brokers in Double Bay, Elizabeth Bay, Potts Point, Bondi, Bellevue Hill, Vaucluse, Bondi Beach, Edgecliff, Paddington, Woollahra, Waverley and surrounding Sydney's Eastern Suburbs.

Our team of mortgage brokers in Double Bay, Potts Point and Bondi look forward to helping you achieve your dream of buying your own home or investment property.

Our office is located in Double Bay, within walking distance of Edgecliff station and we are more than happy to meet you at a time that suits you best, including after hours.

Helping you with home loans, car loans and business loans!

We have been in business since 2001 and we have assisted hundreds of clients to secure their dream home. Since starting, our main focus has been making sure people in our local community secure the right loan for their situation and to build strong & lasting relationships with each client.

We pride ourselves on the fact that many of our clients continue to work with us for all their property needs and investments.

Hear what our customers say about our service!

Our Double Bay & Potts Point mortgage brokers can also help you with:

Access to expert home loan advice and property knowledge

We will focus on helping you answer questions like "How much can I borrow?" and "Can I afford an investment property". Our experience in the Financial & Customer Service sector provides us with the knowledge and skills required to assist our clients achieve their property goals.

We are also long time locals of the inner east and city areas from Potts Point, Elizabeth Bay and Double Bay. We aim to give you not only our financial knowledge but also our local property knowledge to help you make the right decisions.

To discuss your home loan requirements, contact our team from Mortgage Choice Double Bay today on 02 9326 1894.

What makes Mortgage Choice Double Bay different?

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.

Having been in the property market ourselves from a fairly young age and buying and selling over the years we naturally have empathy and understanding of the stresses (both good and bad) in owning one's dream home or making that important investment decision.

What happens during your first meeting with a mortgage broker?

We will assess and evaluate the most appropriate home loan for your needs and circumstances
During your loan process, we will do all the follow-up and general running around for you and
We will save you time, energy and stress - leaving you to enjoy this exciting time in your life.

With our diverse background and skills, we do what we like best, which is to assist people in achieving their dreams and goals. We enjoy having our own business and being able to share in the joys of property ownership with many people.

If you're ready to speak with a mortgage broker from Double Bay, then please contact our team from Mortgage Choice on 02 9326 1894.

Servicing Sydney's Eastern Suburbs including Bondi, Bondi Junction, Bondi Beach, Coogee Potts Point, Elizabeth Bay, Double Bay, Bellevue Hill, Paddington and surrounding areas.

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 engaged Marianne some 20 years ago and recently she helped my adult children with their purchases. I am in awe of her knowledge and professionalism. The amount of time and effort she puts into helping her clients is staggering and most appreciated by us. Thank you

Marianne
25 September 2024

Marianne has been on a life journey with us, helping us to buy our first home when I was pregnant with our first child, and now having helped us purchase our second home with an almost teenager. Always on the end of the phone to answer any questions and willing to go over and above with help and advice. She completely understood our property goal and did everything within her power to help us reach it. Thank you Marianne

Jessica
17 July 2024

Marianne has been outstanding helping me through my mortgage application resulting in a first class interest rate. Highly recommended.

Neil
16 July 2024

I have known Marianne now for 20 years and have bought three properties during that time with her as my broker. Marianne will tell you the reality of the situation and she always puts her clients best interests first. Her expertise in this area are outstanding, I could not have navigated the maze of home loan lending without her. She is professional, honest and trustworthy. I highly recommend Marianne as your broker. Jill.

21 February 2024

We have worked with Marianne for nearly 20 years and she is our go to for all things home loan. Having bought and sold and few houses over the years as well as refinanced I can honestly say that there is no-one better. She only ever has your best interest at heart and is prompt, professional, flexible and always goes over and above every time. We always feel safe with Marianne and know we are truly getting the best and most objective advice. Cannot recommend highly enough

nicola
18 August 2023

Marianne Snaidero was absolutely fantastic. Very responsive and thorough. We have used her for two house purchases. Cannot recommend her highly enough.

Brooke
26 June 2023

Both Marianne and Loris are the most helpful and patient people, they will do everything to make sure you understand the process and make an informed decision for your loan. Would highly recommend to anyone

Jody
23 June 2023

I used Mortgage Choice to help me on my property journey.
Marianne Snaidero was my broker. Marianne was absolutely outstanding.
As a first homebuyer, I had a million questions and Marianne thoroughly answered every one of them with speed, kindness and humour. She always had time for me and gave frank advice that allowed me to make difficult but sensible decisions that ultimately led to me being a... read more

Laura
25 December 2022

Marianne is a wonderful mortgage broker. She is fast, efficient, tenacious, knowledgeable and has an infectious enthusiam and passion for getting her clients a result. She made our home buying process a pleasure, and really went into bat for us against a tight deadline. We could not recommend her highly enough

Dominic
24 November 2022

Marianne went over and above of what was required.
Was updated constantly, every step of the way .
Never felt that I was alone at all and always kept up to date.
I will certainly recommend Mortgage Choice to friends and family.
Thanks for all your help.

Ralph
25 August 2022

Property Ownership

This guide outlines the essential steps to achieving property ownership, starting from the first appointment with a mortgage broker all the way to settlement.

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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.

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