Experienced, highly-rated mortgage brokers for Liverpool, Austral, Edmondson Park and all surrounding areas

Call: 02 9601 4333

Looking for financial services including home, investment, car loans, refinancing & SMSF expertise?

We're your experienced, friendly mortgage broker team in Liverpool. Let us compare over 35 lenders to find you the right home loan.

Call Us Mortgage Choice Liverpool
Office - 02 9601 4333
Fax - 02 9822 7888

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

Address

Suite 9a, Level 1, 138-140 Elizabeth Drive LIVERPOOL, NSW 2170

Latest home loan interest rates

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Comparison rate

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Services we provide

No matter what stage you're at with your finances or purchasing property, we can help you. Call us today for a no-obligation chat.

When it comes to property, we can help with the following and more:

Buying your first home
Upgrading to your next home
Investing in property
Refinancing
Accessing equity in your home
Consolidating debts
Low-doc loans or credit history issues

And beyond home loans, we can help with:

Commercial property loans
Personal loans
Motor vehicle loans/leasing and equipment finance
Deposit bonds
Home & Contents, Landlords insurance
Car insurance

Contact us today

Call our team on 02 9601 4333 or you can call or text Armando on 0422 003 253 or click to book an appointment online:

Book an appointment online

Your best interests are at the centre of everything we do.

Put us to the test! We're your local finance experts, helping you buy property in Austral, Campbelltown, across the Liverpool area & beyond.

Armando Iodice and Phillip Stabile at Mortgage Choice in Liverpool have over 70 years of combined experience in finance.

By choosing us, you'll receive financial expertise from a team of experts with years of expertise across mortgage broking, tax, accounting, business management and more.

Phillip and Armando are passionate about helping clients to achieve their finance goals - whether it's your first property purchase or you have a large investment portfolio. Both Armando and Phillip have lived in the Liverpool area for much of their lives and have extensive knowledge of the local property market. Tap into their local expertise!

The team at Mortgage Choice in Liverpool will assist you with the best finance service that southwest sydney has to offer.

Why choose Mortgage Choice in Liverpool?

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.

Access to over 35 lenders - Mortgage Choice in Liverpool gives you access to hundreds of home loans from all of the major banks and smaller competitive lenders including building societies and credit unions.

We'll come to you – we can meet at a time and place that works for you, or arrange phone or video meetings for the majority, if not all, of the process.

Let us manage all the legwork - We manage the entire loan process for you. Helping you choose the right lender, lodge the paperwork, contacting your Real Estate Agent, Solicitor, Builder, Accountant and Government agencies for any eligible grants.

We'll save you money – Maximising your borrowing capacity, lowering your repayments and finding you a loan with the lowest interest rate and fee structure possible - this is our goal.

Provide ongoing support – We will continue to add value by providing ongoing support and advice throughout the life of your loan and into the future.

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

My husband and I recently used Armando to refinance our home loan and we couldn't be happier. He was very patient, informative and guided us through the process, keeping us informed every step of the way. We ended up with a far better rate than the one we were currently on, saving us a great deal of money on our repayments every month. Can't recommend highly enough

Sabrina
02 October 2024

I highly recommend Armando. He is efficient and very experienced. He was able to assist with all my questions and followed up to ensure that the entire process was smooth.

C&J
01 October 2024

As a First Home Buyer I cannot say enough in appreciation to your service, support and guidance over the process. Armando, was patient with us, as I picked his brains with soo many question on numerous occasions. Your expertise and guiding knowledge was soo appreciated as we navigated though the banking process. I truely appreciate the calls and 1-to1's explaining every step as my wife and I we went through it. Thank you Mortgage Choice and moreover, Armando Iodice for everything.

Flynn
16 September 2024

Just finished refinancing my home - Armando was really top notch and he expertly guided the process through some very challenging situations. I was so glad that I was not alone in navigating the search for a better home loan, but Armando was there every step of the way. Everything worked out great and the home loan I ended up with saw my situation improve markedly from where I was before. Thanks, Armando - you have my 100 recommendation

22 July 2024

Armando was exceptional as our mortgage broker. He was incredibly helpful and navigated us through our home-buying journey with expertise and care. Armando was almost always available and happy to answer our million and one questions. His support and guidance made the entire process smooth and stress-free. We highly recommend Armando to anyone in need of mortgage services

15 July 2024

As a first home buyer, the process can be incredibly nerve racking but working with Armando from Mortgage Choice was an absolute game changer. From the initial enquiry to the final settlement, Armando was exceptional every step of the way.

He was always available to answer my questions, no matter the time of day and he took the time to explain everything thoroughly. His dedication and genuine care... read more

A
15 July 2024

Armando made buying my first property a breeze. Armando's expertise and guidance through the mortgage process were spot on, finding me the best options. His communication was fantastic, always keeping me in the loop. If you need a reliable mortgage broker, Armando is your guy I will definitely be returning and have already started recommending him to my family.

07 July 2024

I cannot recommend Armando Iodice at Mortgage Choice Liverpool highly enough. From start to finish, Armando demonstrated an exceptional level of professionalism, expertise, and genuine care that made navigating the mortgage process effortless and stress-free.

Armando's knowledge of the mortgage industry is unparalleled. He took the time to explain every detail clearly and patiently, ensuring I full... read more

jayden
27 June 2024

I would highly recommend Armando Lodice from Mortgage Choice, he is very responsive, proactive and personable. The process was seamless.

Narumon
17 June 2024

With the help of Armando I was able to purchase my first home. He made it all very easy to understand and stress free, I couldnt have done it without him
Thank you

Danielle
11 April 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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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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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.