Mortgage Choice for Hornsby and the North Shore

Call: 0411 722 134

Looking for a home loan? Talk to Mike Perkins, your local Mortgage Choice broker from Hornsby, NSW. Let us research and compare more than 20 lenders for you

Call Us Mortgage Choice Hornsby
Mobile - 0411 722 134
Office - 02 9482 4333
Fax - 02 9482 4417

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

Address

Suite 6A, 6-18 Bridge Road HORNSBY, NSW 2077

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Start your home loan journey today

As a professional Mortgage Broker for over 20 years and with a background in finance and banking, not only will I help you find the loan that's right for you, but I can use my expertise to give you insight into other areas of property purchasing, investment strategy and risk protection. It's what I do. Whether you are a first home buyer, you're looking at an investment property or you'd just like to consider options on your existing loan, give me a call. I'd love to chat.

Hi, I'm Mike Perkins, your Mortgage Choice Mortgage Broker for Hornsby & Districts plus the North Shore area. I can help you with a range of lending and insurance services. Talk to me about:

First home loans
Investment loans
Commercial loans
Personal loans
Vehicle and equipment leasing
Mortgage protection insurance
General insurances

Knowledge Pays

You may have been with your bank for many years, but when it comes to looking for a loan, regardless the type, you need to look beyond the brand on your credit card. Banks will show you the loans they have, but that's where it stops. You need the loan that's suited to you, not just what they have available. That's where I come in.

I look at loans from all types of lenders, including the banks " yours as well " and analyse all the loans to find those that best suit you. I will explain the options, answer your questions and assist you to make a decision based on a detailed understanding of the lending landscape.

Service Counts

Having made a decision based on knowledge, you're not left to fend for yourself " quite the opposite. I pride myself on my service, my attention to detail and my follow through. From application through to settlement I manage the process and keep you fully informed, giving you time to focus on the more exciting parts of your property purchase, not on chasing the lender.

After settlement, I'm only a call away to answer questions or look at options. I'm here for the long term " for me, it's been over 20 years and I still have the energy and drive I had on my first day.

Give me a call and we'll make a time for an obligation free chat. You can come to me or I can visit you, business hours or after hours.

Looking forward to meeting you,

Mike Perkins

Servicing: Hornsby, Beecroft, Thornleigh, Pennant Hills, Westleigh, Asquith, Mt Colah, Berowra, Cowan, Glenhaven, Berowra Heights, Brooklyn, Wisemans Ferry, Mooney Mooney, Cherrybrook, Kenthurst, Dural, Glenorie, Galston, Arcadia, Waitara, Normanhurst, Wahroonga, Turramurra, St Ives, Pymble, Warrawee.

AU18+ only. Ends 6/12/24 11:59pm AEDT. Limit 1 entry per person. State/Territory prize groups: NSW/ACT, VIC/TAS, QLD, WA, SA/NT. T&Cs apply, see http://www.mortgagechoice.com.au/win-30k/. Mortgage Choice Pty Ltd ACN 009 161 979 (Australian Credit Licence 382869) and Smartline Operations Pty Ltd ACN 086 467 727 (Australian Credit Licence 385325) are owned by REA Group Ltd.

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

Thank you so much for your advice and support. Look forward to speaking with you again soon

Nicole
20 May 2019

Thank you very much Mike, your assistance through the whole process has been outstanding.

Jane
16 May 2019

Hi Mike, We cannot thank you enough for helping us through this process. It should not surprise you that we were completely lost when it came to this process, and that it was your support and guidance that helped get us through. Thanks also for your patience and perseverance. Sincerely grateful home owners. Nick & Sarah

Nick & Sarah
28 August 2018

Everything went smooth, Thanks so much for assisting us through this process. We really appreciate it. Look forward to talking to you soon.

Sam and Jessica
16 December 2017

I have enjoyed hearing from you and when the emails come I am reminded of your myriad kindnesses to me over several years. Please know Mike just how much I have appreciated your help and, more, your friendship. It really has been wonderful to know that I could go to you with these issues of mortgage and to know you would be able to tell me what to do. Thank you so much for everything Mike.

Lois
16 December 2017

I recently engaged Mike Perkins to refinance an investment property. After months of appalling customer service from a big 4 bank with whom I had a 20 year relationship, working with Mike and the Mortgage Choice team was a pleasure. Highly recommended.

Many thanks Mike - this was one of the best banking experiences we have had recently!

Rosemary & Mark
16 December 2017

Thank you Mike for being so thorough and so reliable during our home loan application. We absolutely love our new home, it is so perfect for us, we made the right choice. Most importantly though, we are thrilled with the mortgage (as much as anyone can be thrilled with their mortgage!)—a low rate and manageable repayments. You made the whole process so easy for us.

We wish you all the best and will not hesitate to recommend you.

Joanna & Jamie
16 December 2017

Thank you!! Thank you for your help!

Your service is truly professional, tireless and it has been a real pleasure to do business with you.

Greg & Joanne
16 December 2017

Hi Mike, We would like to thank you for all your help with our recent property purchase and look forward to working with you again with our future home loans. Thanks again,

Joshua & Beth
16 December 2017

Thanks very much for all your help through this process- you have been more than helpful. We are glad this process is all over- we had forgotten how much paperwork and running around selling/buying a house involved!

Luke and Lee
16 December 2017

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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You could borrow up to

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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.