Sam Ghoreyshi Mortgage Broker in Sydney, Kirribilli, Neutral Bay, North Sydney & surrounds

Call: 02 9299 9099

Sam’s clients have the benefit of working with someone who is an experienced mortgage broker as well as a qualified financial adviser. Sam is passionate about property investment and wealth creation and is dedicated to helping clients achieve their financial dreams. He is based in the Sydney CBD and is fully mobile.

Call Us Mortgage Choice Sydney
Office - 02 9299 9099
Fax - 02 9299 7257

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

Address

Suite 5.01, Level 5, 12 O'Connell Street SYDNEY, NSW 2000

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Services

Insightful lending advice aimed at helping you achieve long-term financial wellbeing. Sam can assist with the whole spectrum of finance, from residential lending right through to sophisticated investment portfolios.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Reverse mortgages (Referred to third party)
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)
SMSF loans
Loan protection insurance
Building/construction loans

Other areas I service

Experienced and knowledgeable, Sam will guide you through the lending process with confidence. His business is based in the Sydney CBD, where clients are welcome to meet with him. He is also fully mobile and services all areas including, but not limited to:

Kirribilli
Neutral Bay
Darlinghurst
Lower North Shore
North Sydney
Northern Beaches
Inner West

He can visit you outside of working hours in the comfort of your own home.

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

As a first time buyers Mortgage Choice was a perfect fit for us. Stacey really helped us to understand the loan application process and got us a great deal.

Michael
16 November 2022

Sam and his team give great advice, are very attentive and responsive. They make the mortgage process simple and had my best interests as their primary focus throughout

Claire
02 September 2022

I was constantly kept in the loop throughout the process and as recently as yesterday. Great service and great results. Thanks Sam and the team.

Stephen
30 May 2022

Sam's team is knowledgeable, attentive and able to get the result we needed.

Claire
19 May 2022

Everybody who I interacted with at Smartline were incredible. I tasked the team with an almost impossible deadline and they met it with great enthusiasm and professionalism. I will recommend Smartline to each and every person who is looking for mortgage assistance. They were a life saver.

Jason
18 April 2022

Sam Ghoreyshi and team were amazing (again!)

Katherine
03 April 2022

We would absolutely refer the Smartline team! Professional, accessible, and always willing to help! We really have enjoyed the support and expertise they offer.

Roger
31 March 2022

The process was made as easy as possible given you are buying property. My questions were answered, and they worked really well with my surveyor. Thanks team!

Tara
27 March 2022

Sam was very helpful in helping us understand our options and stayed close to our needs.

Dexter
24 November 2021

Every one we dealt with was very helpful and nothing was too much trouble. Thank you.

Ladan
14 October 2021

Rushanth David is an expert. He guided us and provided, the best advise
In processing the home loan.He was very helpful and friendly.

Nagarasa
23 January 2023

Rushanth is very good in his work & knows his job well, he was helpful in achiveing what we needed at the right time.

Steevan
18 September 2022

David, I would like to express my sincere appreciation for your service. You have provided me with the highest quality customer service for my request. I am lucky to reach you at a critical time with time constraints to the settlement. You promised me that you would complete the application on time, and you did it. in between, you also followed up and quickly resolved any issues that arose. Your customer service is extra... read more

Sivasuthan
28 July 2022

He is professional,friendly and very responsible.he helped us to buy a unit. He is always available to answer our questions when we ask. I strongly recommend him whoever like to buy a home..

Mugunthan
08 June 2022

Thanks you Rushanth for your exceptional work on getting our mortgage, much appreciated!

Dushyanth
28 February 2022

Refinancing guide

If you’re thinking about refinancing, this guide can help you learn more about the refinancing process, benefits and options available.

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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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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.

Sam Ghoreyshi Mortgage Broker in Sydney, Kirribilli, Neutral Bay, North Sydney & surrounds

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