Your Local Mortgage Broker for the Liverpool, Casula, Edmondson Park, Moorebank area and its surrounding region with over 17 Years of Lending Experience

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Call: 0452 109 109

Mortgage Choice is your local trusted mortgage broker in Liverpool, Casula, Edmondson Park and Moorebank, we are able to help you in different type of loan requirements by guiding you through the entire process with expert advice. We know how important it is for you to be able to trust the advice you are receiving from our experts.

With so many options to choose from, finding the right product can seem overwhelming. Your Mortgage Choice broker will handle the loan for you from start to finish, giving you the reassurance of getting the right loan for your individual needs with ongoing support.

We can assist you with your personal finances including your home loan, car loan, self-managed super fund loan insurances. We can also help you organise finance to start or grow your business and fund your assets.

Call Us Mortgage Choice Cabramatta
Office - 0452 109 109

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

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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

Zoe and Phillip are both extremely experienced in their expertise which helped my home loan process never gone through easier. Zoe is dedicated, thoughtful with the advice and very careful in every single steps during the complicated paperworks from initial approval until settlement.

Not only with home loan matters, we received valuable advices on other matters surrounding our purchasing which made the... read more

Kim
17 December 2024

Philip was an absolute pleasure to deal with for our mortgage refinance. Everything was handled quickly, efficiently and honestly speaking, his service is the best that I have come across. He kept us well informed of each step as our application progressed. He patiently explained and simplified to us all the information needed to acquire, and we appreciate how hes finding ways to be available just to answer all our queries. The loan process was smooth with no complications.

Jen Emman

Chi
16 December 2024

I had the absolute pleasure of working with Zoe as my mortgage broker, and I cant recommend her highly enough From start to finish, Zoe went above and beyond to ensure I had a smooth, stress-free experience purchasing our home.

Her expertise and deep understanding of the mortgage process were evident in every step. Zoe took the time to explain my options in detail, answering all of my questions with pa... read more

sydney
15 December 2024

Philip has been amazing from the very beginning to the end of my journey of purchasing my first home. Very helpful, supportive, knowledgeable and caring person. His response time with answering questions were quick and efficient. He even helped me search for properties which I appreciated and advising me which properties not to buy as it wont bring good growth in the future. Definitely referring him to my friends, colleagues and family. Thank you Philip for everything

Tony
15 December 2024

Best mortgage broker Ive ever dealt with, very patient, professional and helpful, beyond my expectation. Highly recommend

Van
04 December 2024

Zoe was extremely supportive and involved in every step of the process. Her knowledge and efficiency were very much appreciated

Cecilia
02 December 2024

This is an exceptionally professional and efficient place for anyone seeking assistance with mortgage-related matters. My case was quite challenging, but thanks to Zoe's expertise, it was resolved quickly and smoothly. I highly recommend their services

Nhan
02 December 2024

Cannot find a single fault in the services that the Mortgage Choice Cabramatta branch provides. Phillip has exuded patience, understanding and great knowledge of the industry. Being a first home buyer was a daunting experience, but with Phillip's guidance, the journey was seamless and enjoyable which eventuated to the purchase of my first home.

Naomi
21 November 2024

Fantastic service. Very helpful and friendly staff who provided me with calm and strong support over a long period of time.

Tuan
16 November 2024

Zoe Thai was very professional. Zoe always explain things very clearly and help us from start to end and always keep us informed of the progress and make the buying process more comforting and reassuring.
Thank you very much for such an attentive and professional services.

Hoang
11 November 2024

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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.

Your Local Mortgage Broker for the Liverpool, Casula, Edmondson Park, Moorebank area and its surrounding region with over 17 Years of Lending Experience

Start your home loan journey today

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