Mortgage Choice for Chatswood, Lane Cove, Artarmon, Crows Nest, and the Middle to Lower North Shore

Facebook

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

Call Us Mortgage Choice Miranda
Office - 0422 406 459

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

Welcome to the page of Marcela Felgueras, your local Mortgage Choice Mortgage Broker for Chatswood, Lane Cove, Artarmon, Crows Nest and the Middle to Lower North Shore.

When it comes to finding finance, the first question people ask themselves is “Do I need a broker?”.

YES! And here's why we can help you.

We Save You Time

We understand how busy life can get with work, family, friends and when you're looking at buying a home, there's even more on your plate. Then you add the fact that there are literally hundreds of loan products on the market at any one time - and they keep changing. There are different types of lender, and each lender has many different lending products. So, unless you have the time to research all the loans against your particular circumstances, it pays to talk to us.

You Benefit from Our Experience

Over the course of life, most people will only seek major finance a handful of times, if that often. We are professional mortgage brokers with many years' experience in the banking and finance industry. It's what we do! We know the lenders, we work with them everyday. We understand how a particular loan suits a particular set of circumstances, and when you think that the loan may be with you for 25 years or so, it pays to get it right.

We Make it Easy

We are finance professionals with a service industry ethic. We take the hassle out of the whole process by taking care of every step. And by every step, we mean that, we even come to you!

We'll sit down to discuss your goals. We'll do the research. Present you with the most suited loan options. Answer your every question. Complete all the paperwork. Liaise with the lender. And keep you informed all the way to settlement and beyond.

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.

So yes, you do need a broker, and with the resources of Mortgage Choice behind us coupled with our industry experience, local knowledge and complete service ethic, who better to talk to than us. And there's no time like the present.

You can talk to us about:

First Home buyers
Home purchase finance
Investment property loans
Refinancing existing loans
Debt consolidation
Commercial Loans
Motor Vehicle Loans/ Leasing/ Hire Purchase
Equipment finance and leasing
Personal loans
Building, Contents, and Landlord insurance

We look forward to meeting you!

Marcela Felgueras

Servicing: Chatswood, Lane Cove, Crows Nest, Northbridge, Gordon, Killara, Lindfield, Roseville Chase, Middle Cove, Northbridge, Narremburn, St Leonards, Artarmon, Lane Cove, Riverview, Greenwich, Wollstonecraft, etc

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

Marcela has been a wonderful help to me and my partner as we went through the process of purchasing our first home. She explained things clearly every step of the way and made the whole process of finding the best mortgage provider for us super simple. We highly recommend Marcela

Jessica
20 August 2023

My wife and I have used Marcela for the past 7 years with our mortgages. When we bought our first property we were clueless of the process and what was involved. Marcela came to our apartment and took the time to educate us. She made the processess very easy and simple for us as new home buyers. She also has great staff that worked with her that kept us informed and up to date of the progress of... read more

melvin
19 June 2022

Marcela is the best and most trusted broker, I have ever worked with. She understand clients requirement quickly and provide the best solution from the beginning. I never ever felt that I need to negotiate her solutions and no one was able to match her quote. Absolutely recommended

Siavash
16 September 2021

We used Marcela through Mortgage Choice for a new loan. She was fantastic from the start. She gave us a number of options and adjusted them as we got closer to finding what we wanted. She was able to very quickly arrange pre-approval of a loan and then guided us through the rest of the process in a very clam and professional way. We would highly recommend Marcela to anyone else needing a loan.

David
17 August 2021

I just wanted to send a note of thanks for your patience, professionalism and amazing support with the refinancing of our home. I honestly felt overwhelmed by the whole idea of it but you made it all so infinitely easier. For the first time in many years we finally feel as though we are in a good financial position and I can't thank you enough for making it happen, answering all of our questions and g... read more

A.N.
09 November 2020

I think Marcela's service was absolutely spot on. She was there whenever we needed her help and she worked tirelessly to ensure that our needs were met. The whole process was far easier than if we had to do it ourselves and Marcela had the knowledge to answer all our questions. Thank you so much in helping us get into our home!

M.F.
09 November 2020

Your service was exceptional. From the initial point of contact to the approval. This loan was a settlement for my divorce, Marcela was an absolute godsend with her patience as i needed a lot of reassurance and support.
Marcela went above and beyond any expectations I had....there is nothing else she could have done. I would come back to her for all future loans and would highly recommend family and friends without hesitation.

M.B.
17 March 2020

We really appreciate the support Marcela and her team have provided us over the last 2 years. It's been a long journey and Marcela stuck with us through many, many pre-approvals. She has always been very responsive to our calls and emails. Hopefully we won't be buying a new house anytime soon but if we do, we'll definitely be speaking with Marcela again!

KD
21 January 2020

Just a quick email to say thank you!!!! You were fantastic and I would definitely recommend you to friends and family. You made the process seamless and you responded promptly to every single inquire we had.
Your the best!!!

V.B.
31 October 2019

Fantastic. Our broker was extremely helpful during the initial consultation and right through the application process. I couldn't believe how quick and easy it was. The friendly update phone calls frequently kept us informed. We were very impressed.

J and M Stephenson
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.

Download now

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

PAYG Self Employed

My monthly income before tax

Rental income

My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

You could borrow up to

Repayments
/ month
Expenses
Remaining

Based on standard variable rate over years.

Start the pre-approval process

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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

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.

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

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.

Click here for more information on the WA First home Owner Grant.