Mortgage Choice Andrea Lord servicing Gables, Rouse Hill , Box Hill , Blacktown & Schofields

Call: 0488 701 300

"For over two decades, I've dedicated myself to assisting individuals in realizing their dream of home ownership. In our local community, I'm known for delivering top-notch customer service. Recognizing the unique needs of each individual, I put in the effort to identify the most suitable and cost-effective home loan solutions tailored to your requirements. Throughout the entire journey, I'll be there to provide guidance and support, prioritizing professionalism and a client-centric approach. Leveraging a diverse array of resources .

Call Us Mortgage Choice Maraylya
Office - 0488 701 300

Open Hours Mortgage Choice Maraylya
Monday - Tuesday 8.30am - 6pm
Wednesday 8.30am - 4pm
Thursday - Friday 8.30am - 6pm
Saturday 9.30am - 2.00pm
Sunday CLOSED
Free Appointment

Mobile Broker

As a mobile broker team, we service Gables/ Box Hill NSW , Rouse Hill , Riverstone & surrounds

Our top 5 lowest interest rates available

Fixed rates
Variable rates

Lender

Interest Rate*

Comparison Rate

Lender

Interest Rate*

Comparison Rate

Credit criteria, conditions, fees and charges apply. Subject to suitability. The comparison rates in this table are based on a loan amount of $150,000 and a term of 25 years. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

We're here to make it easier than ever to find a great home loan

With our experienced Mortgage Choice team by your side, the process of finding the right finance for your next purchase is easier than ever. We love helping our customers achieve their goals: whether it's buying their first home or investing in property.

We understand that everyone’s needs are different. That’s why we have over 30 lenders on our panel with a variety of home loan options and features.
We use our expertise to your advantage. We have decades of finance & home loan experience and use that to find the right deal and lender.
We know the home loan process back to front. We will handle all the admin for your next loan on your behalf, liaising with the lender and keep you updated.
Our home loan service is free. We're able to offer a free service because the lender you choose pays a commission when your loan settles.

Compare interest rates

We don't work for the banks

It's important to remember that Mortgage Brokers are here to act as an advocate on your behalf: no matter where you're at in the process. As your local Mortgage Broker team in Gables / Box Hill & Blacktown, we negotiate on behalf of our customers to find them the right home loan. We don't play favourites - we're happy with the solution that's right for you.

Contact your local Mortgage Choice Gables / Box Hill & Blacktown team

Our team has the expertise and experience to make the home loan process easier than ever. As mobile brokers, we can come to you! We service the areas of Gables , Box Hill, Blacktown, Schofields, Riverstone, Quakers Hill and surrounds.

Contact Andrea Lord and her Mortgage Choice team on 0488 701 300 or book an appointment below.

Call 0488 701 300 Book an Appointment

Our services

Upgraders / Movers
First home buyer loans
Construction loans
Refinancing
Commercial Property loans
Investment loans - SMSF loans
Asset Finance

With Mortgage Choice, you're never a loan

How much deposit do I need?

Understanding house & land packages

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

Working with Andrea was an absolute pleasure.
She made what can be a stressful and overwhelming process feel smooth and straightforward.
Andreas clear communication and dedication to find the best options for us whilst taking the time to explain each step really exceeded our expectations.
I wouldn't hesitate in recommending Andrea to anyone looking for a trustworthy and truly lovely mortgage broker.
Thank you again for all you help.

Mitchell
27 June 2025

One of the most helpful mortgage brokers that I have worked with in a while. Andrea always goes out of her way to assist and made sure I get the best choice that would cater for me and my family. Excellent broker with exceptional experience Highly recommended

Mohammed
20 May 2025

Wow Andrea was a wonder, both my wife and I loved every interaction we had with her. Her knowledge is second to none and genuinely wants great outcomes for her clients. From our initial chat she managed our expectations perfectly and prevented us from making mistakes along the way. She was not after a quick outcome for herself but sincerely cared about a great result for us. Thanks for everything Andrea

Ben
11 April 2025

I had an excellent experience working with Andrea Lord as my clients mortgage broker.
She made what could have been a stressful process feel smooth and straightforward.
Andrea took the time to understand my clients financial situation and found the best mortgage solution tailored to the clients needs.
She always had my clients best interests at heart and provided clear and honest advice every step of t... read more

Sanjit
05 February 2025

Over and above service for every step and any question, if you're not sure where to start start with Andrea

Alexander
18 December 2024

Andrea has been amazing for the whole process of our loan search.
From the beginning finding great deals with banks and even after the house settlement with useful suggestions.
We will keep looking up for her for our future investments.
100 Definitely recommended

Gabriele
20 November 2024

Andrea was knowledgeable, patient with our queries, and organized from the beginning. Thank you for all your help, Andrea. Best wishes.

Anoop
06 November 2024

Ive been meaning to leave this review for a while, but I finally want to share my experience with Andrea. She was incredible from the start, going above and beyond to help us secure our home loan. Two years later, when we explored refinancing options, Andrea was right there with us, providing thorough research and multiple possibilities. Although the refinancing didnt go through due to our circumstance... read more

Monica
24 September 2024

My Fiancé and I started our journey to purchase a new home for our blended family in October 2023. Andrea consistently worked with us for several months as we positioned our finances to find our new home. She made the entire process easy and we are grateful for her professionalism and guidance through the process.

Ross
30 July 2024

She is very helpful person

Atsushi
24 July 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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You could borrow up to

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/ month
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Based on standard variable rate over years.

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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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Total fees:

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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.

State / Territorial Revenue Web Sites

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Mortgage Choice Andrea Lord servicing Gables, Rouse Hill , Box Hill , Blacktown & Schofields

Maraylya

Our top 5 lowest interest rates available

We're here to make it easier than ever to find a great home loan

We don't work for the banks

Contact your local Mortgage Choice Gables / Box Hill & Blacktown team

Our services

With Mortgage Choice, you're never a loan

How much deposit do I need?

Understanding house & land packages

The right home loan for your needs

Client reviews

Property Ownership

Help me calculate

2nd Applicant

Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

State / Territorial Revenue Web Sites

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