Home Loans with an Experienced & Multi-Award Winning Mortgage Broker in Lane Cove

Call: 02 9762 5744

🏅 Winner 2024 Mortgage Choice National Single Operator of the Year
🏅 Australian Mortgage Awards 2023/ Brokerage Of The Year (1-5 Staff) Finalist
🏅 Australian Mortgage Awards 2022/ Broker Of The Year Excellence Finalist
🏅 MPA Top 100 Brokers 2021
🏅 Women in Finance Awards 2020 finalist
🏅 Winner 2019 Mortgage Choice NSW Single Operator of the Year
🏅 Winner 2019 Mortgage Choice National Single Operator of the Year
🏅 Winner 2019 Mortgage Choice High-Performance Award

With over 20 years’ experience as a professional Mortgage Broker & a background in accounting, Leanne is confident she can help you!

Call Us Mortgage Choice Lane Cove
Office - 02 9762 5744

Open Hours Mortgage Choice Lane Cove
Monday - Friday: 9:00 am - 5:00pm
Free Appointment

Address

Shop 15, 43-45 Burns Bay Road LANE COVE, NSW 2066

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Start your home loan journey today

Leanne Johnstone is your local home loan expert in Lane Cove

'We'll compare your current home loan against hundreds of others to see if we can get you a better deal.'

We can help you with Home Loans, Investment Loans, Refinancing & Business Loans now and into the future.

We pride ourselves on providing a personalised service to all of our clients in Lane Cove and the surrounding suburbs.

Over the years we've helped thousands of clients find the best home loan for their needs. We'd love to hear from you to see our team of brokers can help you achieve your goals:

First Home Buyer including applying for the first home buyers grant - We'd love you to benefit from our experience.
Investing in property Specialising in investment loans, and as a keen investor myself, I can provide you with access to Residex reports that can assist you to make the right investment property to buy
Refinancing your existing home loan to reduce your monthly contributions or consolidate your debt to get your finances back in control
Construction loans
You can meet us in our office in Lane Cove, alternatively, we offer phone and zoom appointments. We'll take care of all the legwork from the application, liaising with the lenders, through to settlement of the loan.
Fully accredited by the Mortgage and Finance Association of Australia

Why Choose Leanne Johnstone at Mortgage Choice?

With over 20 years’ experience as a professional Mortgage Broker & a background in accounting, Leanne is confident she can help you!

At Mortgage Choice Lane Cove, 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 your broker may charge a fee, which would be discussed with you before proceeding..

🏅 Winner 2024 Mortgage Choice National Single Operator of the Year

🏅 Australian Mortgage Awards 2023/ Brokerage Of The Year (1-5 Staff) Finalist

🏅 Australian Mortgage Awards 2022/ Broker Of The Year Excellence Finalist

🏅 MPA Top 100 Brokers 2021
🏅 Women in Finance Awards 2020 finalist
🏅 Winner 2019 Mortgage Choice NSW Single Operator of the Year
🏅 Winner 2019 Mortgage Choice National Single Operator of the Year
🏅 Winner 2019 Mortgage Choice High-Performance Award

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

Leanne helped my husband and I find the right home loan for the purchase of a new property. She guided us through the whole process and gave us expert advice on what would work best for our family. I cannot recommend her enough. Thank you Leanne

Anais
15 December 2024

Leanne is always a pleasure to deal with. She is professional, thorough, responds promptly and always looks for the offer that meets my needs best.
I have just refinanced for the 4th time with Leanne, and have done and continue to recommend her to to anyone needing a great broker.

28 November 2024

We recently worked with Leanne to secure a mortgage for our first home, and we couldnt be happier with the experience She guided us through every step of the process with professionalism, patience, and expertise. Were incredibly grateful for Leannes help in making our dream of homeownership a reality and would highly recommend her to anyone looking for a reliable and knowledgeable mortgage agent.

Aloma
27 November 2024

Great personalised service.
They provided prompt and meaningful information.

Sean
19 November 2024

I would recommend Leanne to anyone, she is client focused and was determined to get the best outcome for my circumstances. Leanne is highly responsive, the documentation process was seamless and quick which made the client experience even more enjoyable.

James
06 November 2024

We recently engaged Leanne and her team to assist us with applying for our home loan. Leanne is nothing short of amazing which is evident by her professionalism, in-depth knowledge of the market and efficiency. She is very personable, has excellent communication skills and took the time to educate us about each step which we greatly appreciated. What was initially thought by us to be a daunting pr... read more

Brianne
29 October 2024

Thanks Leanne for all your help Buying a house for the first time is a rollercoaster but you always kept us informed, responded to all our questions very promptly and guided us through every step of the process. It has been a pleasure working with you and we are more than happy to recommend you.
All the best
Fernando Romina

13 October 2024

Was experiencing issues with my bank not lending to me due to specific circumstances. Leanne swooped in and fixed it all within a matter of days and got me a better loanrate. Don't go anywhere else

30 September 2024

Leanne recently helped us with our home loan and was a pleasure to work with. She made the process simple and ensured we were well informed to make decisions. Would highly recommend Leanne and her team

Vicky
27 August 2024

Leanne made our home loan application process as smooth as possible. There were a few hiccups along the way but she was always able to find answers or solutions. Shes very helpful and accommodating, ready to answer my numerous questions. She kept us updated with the progress of the application. We highly recommend her services.

Ning
13 August 2024

Refinancing guide

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

Download now

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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.

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Home Loans with an Experienced & Multi-Award Winning Mortgage Broker in Lane Cove

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

Leanne Johnstone is your local home loan expert in Lane Cove

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