Your local Mortgage Broker & Finance Experts | Allambie Heights, Manly & surrounds

Call: 0421 128 240

In this changing landscape, seeking the advice of an expert is even more valuable than ever.

Kevin Reeve and the team in Allambie Heights & Manly can help you with home loans, car loans, business lending, financial advice and more!

Call Us Mortgage Choice Allambie Heights
Office - 0421 128 240

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

Address

Shop 11, 141 Allambie Road ALLAMBIE HEIGHTS, NSW 2100

Latest home loan interest rates

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Start your home loan journey today

Making the home loan process as easy as possible.

Finding the right home loan at a low rate is important. Going straight to your bank gives you limited options which might not suit you. That's why I help my clients shop around for the lowest rate & best features.

Located on Allambie Road, Allambie Heights, we can help you with Home Loans, Investment Loans, Car Loans & Business Loans now and into the future. We pride ourselves on providing a consultative personalised service to all of our clients.

We can take the time and hassle out of shopping around for the right home loan and guide you through the home buying process with expert advice.

With access to hundreds of loans from a wide choice of lenders, including Australia’s big banks and a selection of specialist lenders, we're confident in finding all of our clients the right finance option for them.

We love helping our clients, no matter where they are!

Figure out how much you could borrow for your next property with our home loan borrowing calculator.

What makes us different?

At Mortgage Choice Allambie Heights, 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.

If you're ready to speak with a home loan expert about your situation, then reach out to our team from Mortgage Choice Allambie Heights, today. Call Kevin Reeve on 0421 128 240.

We can also help you with:

We service Belrose, Davidson, Frenchs Forest, Killarney Heights, Seaforth, Balgowlah, Clontarf, Manly Vale, Fairlight, Manly, Curl Curl, Freshwater, Queenscliff, Allambie Heights, Beacon Hill, Brookvale, Oxford Falls, Warringah Mall.

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

Kevin is absolutely amazing to work with and helped us secure our home loan for our first home. Our knowledge on home loans was extremely limited and Kevin always made time to talk and help us with anything we needed in what can be a very challenging and stressful process.
A friend recommended Kevin to us and I have since passed on the recommendation to family and friends who have also had the same amazing experience.
Thank you again Kevin for everything.

David
20 May 2025

Kevin was fantastic to work with. He was reliable, efficient and consistent across the entire time we engaged with his services. Furthermore, he was friendly and always willing to try and help us achieve our dreams. I can't recommend him more.

Laura
31 March 2025

Kevin was incredible. We reached out to get numbers and see where we stood. After a first meet with Keven, we ended up finding a property, buyingexchanging within 2 weeks and also bringing settlement forward by 2 weeks.
All this wouldnt have been possible without Kevin. He was so fast, proactive with the bank and responsive off his own accord we didnt have to ask or push. The difference was so clear a... read more

Suzannah
28 January 2025

Kevin at Mortgage Choice did an awesome job of securing our mortgage. He was lovely to work with and kept us informed at every step of the way.

Ned
24 January 2025

Kevin was unreal. He was responsive to all our questions and made the process of buying an apartment significantly less stressful.

Luke
24 January 2025

Highly recommend Kevin, he answered all our questions promptly and without judgement, as first home buyers we felt very comfortable with Kevin in our corner and advocating for us. Thank you for all your help Kevin

Sophie
23 January 2025

We had the pleasure of working with Kevin at Mortgage Choice Allambie Heights to purchase our new apartment and we couldn't be happier with our experience. He took time to explain the mortgage process, fielded all our ridiculous questions and was available whenever we needed assistance.
Kevin is a mortgage broker committed to ensuring you get the best outcome in your property purchasing journey, making... read more

Alexis
02 December 2024

Kevin has been a massive help to us over the last few years while we navigated a number of residential and investment scenarios. He knows what he is doing and does it well, with clear timely communication and advice. We most definitely couldn't have realised our two recent purchases without him.

Danielle
27 September 2024

I can't thank Kevin enough for all his hard work and dedication to securing me a re-mortgage. I'm an ex-pat, which was a challenge and I really thought I was going to have to sell my property in Australia. Kevin overcame these challenges and secured me a great loan. Kevin was able to achieve a positive outcome that other brokers could not. Thanks again, Kevin, it's very much appreciated.

06 September 2024

We can't recommend Kevin highly enough Kevin was instrumental in guiding us through the process of securing a home loan. His knowledge and expertise were evident from the very first time we spoke, and his professionalism put us at ease throughout the entire journey.
Kevin took the time to understand our unique needs and financial situation, offering personalised solutions. His excellent communication a... read more

John
01 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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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.

Your local Mortgage Broker & Finance Experts | Allambie Heights, Manly & surrounds

Start your home loan journey today

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