Your award winning Mortgage Choice - Finance and Property Group team can help you no matter where in the world you live!

Call: 0410 343 858

Ready to make financing your dream stress-free?
Connect with one of our expert Finance and Property Group brokers today!
With a panel of over 35 lenders, we can assist with all your home, investment and business finance

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Call Us Mortgage Choice Dee Why
Office - 0410 343 858
Fax - 02 9476 8200

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

Address

Suite 3, 2nd Floor, 1-5 Dee Why Pde DEE WHY, NSW 2099

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Introducing the Mortgage Choice - Finance and Property Group, your local Mortgage Brokers specialising in home loans.

Ryan, Nathan, Mark and Russell have over 40 years of experience in the Mortgage Broker business between them. They have organised loans for hundreds of satisfied home buyers and investors on the Northern Beaches, Upper North Shore and Hills District. We have offices in Dee Why and Hornsby if you'd like to come in and see us in person.

Why choose Mortgage Choice Hornsby, Hills and Northern Beaches ? Our team specialises in all forms of Residential Lending.

Did you know we can help you with:

Buying or building a new home
Purchasing your First Home
Refinancing your existing property
Car loans & personal loans
Business equipment or Asset Finance
All insurances: home, contents, car etc.

Industry Professionals with your Interests at Heart

Structuring loans correctly is crucial in any property transaction, no matter if you are an experienced investor or first home buyer. To get the best result, you need to be sure that the information and guidance you receive is independent and that your interests are always the highest priority.

Mortgage Choice is not owned by a bank, we assess loans from over 35 lenders to find the most suited loans.

Our experience, our resources, our energy, all dedicated to providing the outcome you need to achieve the property goals you desire.

Our Customer for Life Philosophy

Our experience and processes ensure we find you the right loan, but it's our Customer for Life approach to service that really makes the experience special. It's what sees us enjoy repeat business and client referrals to family and friends. It's why we have strong referral partners in local Property Buyers, Solicitors and Accountants.

When you work with us, from the very first conversation, that's the level of service and professionalism you can expect. We'll submit the application, chase the lender when needed and ensure a speedy settlement. Then we're just a call away should a question arise and not just about your existing loan.

Call the Finance and Property Group team on 9476 8200 today, we look forward to working with you.

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

I had an absolutely fantastic experience working with Ryan as his team. His service was exceptional from start to finish. Ryan made the entire process easy to understand and completely stress-free. Hes incredibly approachable, always happy to answer questions, and explains everything in a way thats clear and easy to follow.

It was a relief to work with someone who genuinely listens and takes the time t... read more

Courtney
24 June 2025

Fantastic service from Tiani and Ryan It made the re-financing of our loans as easy as it could be and kept us up to date each step fo the way. Thank you again

Nicola
20 June 2025

Five stars is an understatement Ryan, Jake and Emma have been beyond incredible. I cannot recommend them highly enough. Very grateful for their excellent service

emma
13 May 2025

I highly recommend Ryan Ewart from Mortgage Choice, who made our first experience with a Mortgage Broker seamless and positive. Ryan is knowledgeable, experienced, and personable, always taking the time to explain things clearly and in detail.. making sure we fully understood every step of the process as we progressed.

We will certainly be engaging his services again in the near future for our next IP

S C Brotherton

Sam
17 April 2025

I would absolutely recommend Ryan Ewart, from Mortgage Choice From the very beginningwhen I was just exploring my loan potentialright through to settlement, Ryan worked tirelessly to support me every step of the way.
After presenting several lender options, he took the time to patiently guide me through the entire buying process. He answered every single one of my many questions and always made me feel... read more

Janelle
09 April 2025

Ryan and his team - Emma Zach were absolutely sensational to work with We were a bit skeptical at first having had a few mortgage brokers previously not work in our best interests but Ryan and the team were amazing. Communication was exceptional, we would always hear back to emails within a few hours maximum. They made the whole process easy for us and comfortable We cannot thank you guys enough for he... read more

Lucy
14 March 2025

I can't actually put in to words how good Ryan and his team are they have been amazing throughout our home buying journey - incredibly knowledgeable, patient and just thoroughly reassuring. Would highly recommend them to anyone

Omar
11 March 2025

Ryan and his team have been very helpful throughout the entire buying and lending process. Communication was exceptional and always felt valued. Would highly recommend.

Jessie
11 March 2025

Exceptional service and communications. Thank you to Ryan and the team at Mortgage Choice you made everything so easy.

Natasha
11 March 2025

Had an excellent experience with Mortgage Choice. The level of communication from this team is top tier. Ryan takes time to explain things, is very clear and is always very responsive. The rest of team Emma, Zachary is excellent at keeping on top of your applications and next steps, and checking in regularly on progress.

22 February 2025

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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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