Saurabh Dwivedi

Mortgage Brokers in Chatswood - Lending specialists for Sydney's North Shore

Google

SUPERIOR SERVICE
PROFESSIONAL ADVICE
GREAT PRODUCTS & RATES

Call Us Mortgage Choice Chatswood
Office - 0430 036 669

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

Address

Level 9, Tower A, The Zenith, 821 Pacific Highway CHATSWOOD, NSW 2067

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

Professional Mortgage Advisors

We take pride in saving you time and helping you achieve your financial goals. Whether you're buying your first home, refinancing or want to invest and grow a property portfolio, we want to earn the opportunity to be your first choice for financial solutions.

There's a plethora of lenders and loan products in the market, it makes sense to seek the help of a professional mortgage broker that takes the time to understand your needs, and guide you through the process, showing you different products to match your lifestyle and financial situation.

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.

Complete solutions

Our full service approach to mortgage broking means that you benefit by having access to Mortgage Choice Financial Planning to review your risk protection and help you grow your wealth. We also provide:

Commercial & Equipment Loans
Motor Vehicle Loans & Buying Services
Home, Car & Income Protection Insurance
Personal Loans & Credit cards

Why wait?

Save your valuable time and take the stress out of securing the finance for your property, call the Mortgage Choice team with over 12 years experience for an appointment, or visit our office in The Zenith.

We are your local experts in Gordon, Killara, Lindfield, Roseville & Roseville Chase, Castle Cove, Willoughby, Middle Cove, Castlecrag, Chatswood, Lane Cove, Riverview, Northwood, Longueville, Linley Point, Artarmon, Northbridge, Naremburn, Wollstonecraft, St Leonards, Crows Nest, Greenwich

Client reviews

Great customer service, regular communication

Atul
02 September 2024

I had an incredibly positive experience working with Saurabh. He was the most helpful person I've worked with throughout the process. He took the time to thoroughly explain every step, ensuring we understood the process completely. What was most impressive was his availability - he was happy to take calls and answer questions even on evenings and weekends. His amazing level of support made what can... read more

Aneshan
20 August 2024

We did our home loan from Saurabh.
He explains the entire process very well and answers every single question you have . Which made our entire loan process easy and smooth. Highly recommended .

Jasleen
04 January 2024

Recently I just refinanced with Westpac. I moved away from NAB because they are hard to work with, plus their rates are much higher than Westpac. Anything to do with home loans is a very stressful process. But Saurabh made the whole process seamless. He holds a comprehensive knowledge regarding the whole home loan system across all banks. He was extremely helpful from start to finish. He provided d... read more

Minhaj
08 August 2023

Top bloke and personalised care and solution. Thank you Saurabh.

Neel
03 June 2023

Saurabh was very helpful in our quest to pin down the right mortgage provider and product for our first home purchase in 2023. He was professional in his approach, demonstrated excellent market and product understanding and was able to present us with the options most relevant to our specific needs. He possesses excellent communication skills and was patient and approachable throughout the entire p... read more

Udatta
21 May 2023

Saurabh is always reachable, well planned and knows exactly what is needed to get loan done. Highly recommend him for regular or complex loan processing.

Neeraj
21 February 2023

Saurabh did a great job researching the most suitable refinance options for my home loan for me and explained patiently all the questions i had around the options he presented. Once we decided on a bank and product he was really quick to get settlement done and was also supportive when i had questions on how to close my old loan account. I can only recommend him to anyone looking for a suitable home loan product.

Anne-Marie
27 January 2023

I cannot recommend a better broker than Saurabh Dwivedi. Extremely professional and looks out for your best interests. Really understands the industry and made this a seamless process. Thank you Saurabh.

shivani
07 December 2022

Saurabh went absolutely above and beyond to help us purchase our dream home. He was responsive to all our requests and offered assistance the entire way. Absolutely recommend Thanks for all your help, Saurabh

Luisa
18 November 2022

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.