Mortgage Choice in Dee Why, your award winning home loan specialists.

Call: 02 9984 0728

Looking for a home loan? Talk to Brad Anderson, your local Mortgage Choice broker from Dee Why, NSW. Let us research and compare more than 20 lenders for you

Call Us Mortgage Choice Dee Why
Office - 02 9984 0728

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

Address

651-653 Pittwater Road DEE WHY, NSW 2099

Brad Anderson joined Mortgage Choice in August 1999 and has recently been joined by James Algar. With over 30 years combined experience, the award winning team has arranged loans for well over a 1000 satisfied home buyers in the Northern Beaches.

Why choose Mortgage Choice? We specialise in all forms of Residential Lending including:

First Home buyers
All Home buyers
Refinancing
Investment loans
And increases to existing loans

We take the time to understand our clients' short and long term property goals & keep them informed at every step of the loan application process. We make the whole process easy and convenient, meeting to discuss your options at a time and place that suits you. Then we take care of all the running around, submitting the loan application on your behalf and liaising with the lenders, your Solicitor/Conveyancer and Real Estate Agent. Put simply once you have signed the loan application you leave the rest to us.

We also embrace a customer for life philosophy. This means our team will take great care of you not only during the loan approval process but way into the future well after your loan has settled. We will keep in regular contact with you through both the phone & email & we will regularly review your loan to ensure you always have a product that best fits your changing needs.

To make an appointment simply call Brad on 9984 0728 or click the Contact us tab to arrange an appointment.

Mortgage Choice in the Northern Beaches services the suburbs of Terry Hills, Collaroy, Dee Why, Narrabeen, Warriewood, Mona Vale, Bayview, Scotland Island, Newport, Avalon, and Palm Beach.

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

James and his team looked after us so well. We confidently exchange contracts for the purchase of our new home without pre-approval and stress free. We had to act fast and did not want to miss out on a home. We were confident and trusted them about our maximum purchase price. James and his team applied for pre-approval on Monday before we exchange on Tuesday and obtain unconditional approval in less... read more

Charlotte
12 November 2024

We had a wonderful experience with James and his team. They guided on our journey from naive first time buyers to home owners. James is very helpful, insightful and knowledgeable. I can't think of anything they could have done better. I would highly recommend their service.

Kieran
11 November 2024

Rob and the team at Dee Why Mortgage Choice were exceptional
Getting a new home loan or refinancing in the past has been daunting and frustrating. The experience I had with Dee Why Mortgage Choice was the complete opposite, the process was effortless, streamlined and the customer service was outstanding.
I did not have to worry about any part of the process, they had it sorted from the start till the purchase of my property was settled.
I could not recommend Rob highly enough.

shane
07 November 2024

These guys make dealing with mortgages simple

Greg
09 October 2024

An amazing team James especially was wonderful and worked so hard to bring our settlement forward as we requested. He had CBA ready days before our early settlement A genuine person who made the process as smooth as possible. We could not have been more pleased to deal with him.

Madeline
08 October 2024

James consistently went above and beyond to deliver a great funding solution.

Tully
07 October 2024

Very professional and comprehensive advice. Can highly recommend.

Mark
06 October 2024

We'd like to thank our broker, James Algar of Mortgage Choice Dee Why again for his expertise in refinancing our loan. It was very complicated and last minute and we couldn't have got it without his knowledge, understanding and skill. We acknowledge his efficiency and recommend James and his commited staff at Mortgage Choice DY.

bill
03 October 2024

James has helped us countless times over the years - new loans, refinancing, buying and selling - always understanding our goals and helping us achieve the best financial outcome with our home loans. He understands all the products, the pros and cons, and has the latest insights into the best deals. He has worked tirelessly for us to achieve the optimal outcome and we are so thankful for his expertis... read more

Kieran
28 September 2024

We have had Ryan and his team on speed dial for over a decade and he's never steered us wrong. Cannot recommend Mortgage Choice Dee Why enough, thank you team

Nina
26 September 2024

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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.