Mortgage Broker Alexander Hamid proudly servicing the Hills area & surroundings.

Call: 0406 503 825

Choosing me as your personal broker means gaining access to a wealth of expertise, personalised guidance, a vast lender network, and most importantly time and cost savings. Your home journey is made easier and more successful with me by your side.

Call Us Mortgage Choice Castle Hill
Office - 0406 503 825

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

Address

19/15-17 Terminus St, Castle Hill NSW 2154

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Mortgage broker in Castle Hill, Kellyville & Rouse Hill

As your Mortgage Choice broker in Castle Hill and the surrounds, Alexander Hamid is ready to help you find your dream home - and your dream home loan. Coming from a strong finance background, Alexander has all of the knowledge and strategic insights needed to guide you through your journey seamlessly. He is passionate about making the complexities of the home loan process seem easy, and will find you the perfect financial solution to suit your circumstances. Whether you are a first-time home buyer, an experienced investor, or something in between, Alexander has got your back!

Alexander loves the warm, friendly community atmosphere around Kellyville, and in his spare time you can find him enjoying the local cafe and restaurant scene with friends. He loves adventuring in the great outdoors - hiking is a favourite pastime - and loves to stay active by crushing a gym session.

Buying your first home in the Castle Hill region

The decision to buy your first home is a monumental one, and we know that it can sometimes feel daunting. Between saving your deposit, attending inspections, and figuring out your budget, you’ve got enough on your plate without considering the search for your home loan. Luckily, Alexander Hamid is here as your mortgage broker to help simplify the process of buying your first home.

Alexander will explain all of your options as a first home buyer, including any government assistance schemes you might be eligible for. He will advise you of your borrowing power and can offer tips to maximise the chance of your application being approved. You’re in good hands with Alexander, who will use his knowledge and experience to answer all of your questions and find you the best home loan possible.

Talk to Alexander Hamid today to discuss your home loan needs

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Our promise to you

Here at Mortgage Choice in the Castle Hill area, Alexander Hamid is dedicated to making your home loan experience simpler. With him, there’s no need to stress about choosing the best loan - all of the tricky stuff is taken care of. When you work with Alexander, he promises to give you

Clear, proactive communication at every stage
Explanations without the confusing jargon
Support through to settlement and beyond
Genuine care and compassion for your situation

With access to hundreds of different loans from a huge array of lenders, there can be no doubt that Alexander will find you the best deal. Talk to him today to learn more.

Free moving checklist

Don’t forget a thing with our handy checklist for moving house. It’s full of tips and tricks to make your next move that much smoother, now that you’ve secured an amazing home loan. Download it now for free.

Moving home checklist

Call Alexander Hamid on 0406 503 825 today to speak with him about reaching your property goals

Book an appointment

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 highly recommend Alex for all your broker needs From start to finish, Alex guided me through the process with patience, clarity, and professionalism. His explanations were thorough and easy to understand, making me feel confident during the process.

What truly sets Alex apart, however, is his calming presence. Investing can be overwhelming, but Alex's relaxed and friendly demeanor put me at ease... read more

kerry
08 February 2025

Talking to many different mortgage brokers, Alexander truly stands out from the rest. His attention to detail and genuine care for his clients are unmatched. He goes above and beyond to ensure each application is meticulously handle, making every client feel valued and supported through the process. Highly recommended

31 July 2024

Very knowledgeable broker, helped me with my finances and achieved the goal. Highly recommended him.

Danny
21 July 2024

Alex was very helpful and attentive. He made the process really easy and explained everything.

Adem
21 July 2024

Great service with a smile

Jacky
19 June 2024

Alex is extremely knowledgeable about all things lending and goes above and beyond to get the best deal for his clients. I would highly recommend Alex.

Bridgette
19 June 2024

Alex is definitely the person that you would be amazed by the service and work. He also has very respectful manner with great personality. Highly recommended Alex

David
05 June 2024

Alex is very approachable and helpful, give him a chance to work wonders for you.

Abhi
04 June 2024

Alexander the Great Very approachable and honest mortgage consultant.

Jay
04 June 2024

If you need specilaised service with go to detail and an easy to follow process around car loans, asset finance or any form of property loan - then speak to ALex - you wont be disappointed

Charles
04 June 2024

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.

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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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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.