Mortgage Choice for the Hills District

Call: 1300 794 228

Looking for a home loan? Talk to David Keith, your local Mortgage Choice broker from the Hills District, NSW. Let us research and compare more than 20 lenders for you

Call Us Mortgage Choice Rouse Hill
Office - 1300 794 228
Fax - 02 8212 5810

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

Address

PO Box 3675 ROUSE HILL, NSW 2155

Hi I'm David Keith, your mobile Mortgage Choice Mortgage Broker servicing the Hills District.

With over 30 years in banking and finance, I know the lending market inside out. With over 13 years as a Mortgage Choice Mortgage Broker, I know what it means to provide good service.

I pride myself on providing service tailored to you and your individual needs. If you're a first home buyer, I'll walk you through the ins and outs of entering the market. If you're an experienced investor, I'll talk strategy and loan design. If you're a business owner, I'll guide you through the complex area of commercial lending. No matter your level of experience, I can simplify the process of obtaining finance, cut through the jargon, answer all your questions and achieve the outcome that's right for you.

Let me assist you with:

First home loans
Investment loans
Refinancing and debt consolidation
Commercial loans
Equipment financing, leasing and hire purchase
General insurance

Not only can I help with all facets of lending and insurance, I'll take the stress out of the process by handling every step for you " and when we meet, I'll meet you at a time and place that's easy for you. As a mobile Mortgage Broker, I come to you - to your home or office, or to a local cafe. I'm available day or night, I even do weekend appointments. It's all part of the service.

Starting with an obligation free chat, I'll work through loans from our panel of lenders. I'll talk you through the options, answer your questions and help you make the choice that's right for you. With the loan selected, you can relax whilst I take care of the running around. I'll submit the application, liaise with the lender and manage it right through to settlement. Throughout the process I'll keep you fully informed, and if at any time you have a question, I'm only a phone call away.

So we'll find you the loan that's right for you. I'll take care of all the running around. And my service doesn't cost you a cent. That's right, my service to you is free.

Call me to arrange a chat " I'm never far away, I'm a local! David Keith

Servicing: Carlingford, Carlingford Court, Carlingford North, Kingsdene, West Pennant Hills, North Parramatta, North Rocks, Northmead, Baulkham Hills, Bella Vista, Crestwood, Model Farms, Winston Hills, Castle Hill, Rogans Hill, Kellyville, Kellyville Ridge, Rouse Hill

What's next?

Book an appointment
Book a Home Loan Health Check
Download our handy property guides

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

As first home buyers you helped us navigate the confusing home loan market to find the perfect loan for us we were able to purchase out home a year earlier then we thought possible. Thank you.

Tim and Jessie
16 December 2017

David guided us through the whole process of purchasing our first home, offering his assistance every step of the way. Always checking up and answering any questions that arose. I would recommend him to anyone looking for a home loan, completely removed the stress out of the picture.

Mitchell and Katy
16 December 2017

It was a simple way to get advice, we were very happy with the explanations of a loan and how they work, this was important because this is our first loan.

Ben and Erin
16 December 2017

Very professional, informative and patient with our lack of organisation.

Ron and Tammy
16 December 2017

I think your communication was excellent. Your approach was very calming and clear. We liked your slow pace and never felt rushed at deciding our options, many thanks David.

Paula nd Adele
16 December 2017

David was recommended to us and we will certainly recommend him to others. He thoroughly answered all questions and concerns making the whole process so much easier then what we expected.

Michael and Meredith
16 December 2017

David, if it wasn't for you our settlement would have never gone through on time. Our Sincerest thanks.

Tim and Donna
16 December 2017

Great service, quick, friendly response, efficient and stress free.

Sue
16 December 2017

We were very happy with the service David provided from start to finish. He always made himself available for any queries or worries we had along the way.

Carl and Anne
16 December 2017

David has consistently gone above and beyond to help us buy our dream home, I can't recommend him enough.

Michael and Emma
16 December 2017

Help me calculate

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You could borrow up to

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/ month
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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.

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Your monthly repayments
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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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First Home Buyer?

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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.