Mobile Mortgage Broker for the Blaxland, Springwood, Penrith, Glenmore Park and St Marys

Call: 0411 333 672

Des Mc Daid is your Mortgage Choice Broker helping you find the best home loan and finance solution in Penrith , Glenmore Park, St Marys and the Blue Mountains. As a Mobile Broker I Come to You!

Call Us Mortgage Choice Blaxland
Mobile - 0411 333 672
Office - 02 4739 4056
Fax - 02 4739 1905

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

Mobile Broker

Servicing the Blue Mountains, Penrith, Glenmore Park, St Marys, St Clair and surrounds

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

Book an appointment with Top-rated Mortgage Broker Des McDaid!

Schedule an appointment

Des McDaid is your Mortgage Broker in Blue Mountains, Penrith, Glenmore Park and St Marys.

As your local mortgage broker, Des will do all the legwork in finding the right home loan for your needs and support you throughout the entire application and settlement process. He will compare and save on your mortgage with great deals from our panel of over 20 lenders, including the big four banks.

Start your home loan journey today

Why choose Mortgage Choice?

Your best interests at heart
At Mortgage Choice, the only thing that matters to us is the home loan that's right for you.
We're more than mortgages
Mortgage Choice is your one-stop shop for financial solutions. As well as home loans, we offer risk & general insurance, car loans and business lending. We're here for the long term to help you achieve your goals.
Making better choices
We believe that every Australian has the right to home loan and financial advice they can trust and afford. We've been around for over 20 years and have helped over 400,000 Australians to make the better choices that lead to a better life.

To arrange an appointment at a time and place convenient to you call Des on 0411 333 672.

Our Mission | Mortgage Broker Des McDaid

Our mission is to find the right home loan for your individual needs and to always have your best interests at heart. We will help you organise pre-approval so you can shop for your new home with confidence, knowing exactly what you can afford or we'll compare your current home loan against hundreds of others to see if we can get you a better deal.

If you're looking to save money on your home loan or if you need an experienced Mortgage Broker, then call our office on 0411 333 672.

Home Loan Property Guides

If you would like to do some of your own research first, make sure you check out our home loan resources below!

Mortgage Choice in Penrith, Glenmore Park and St Marys can also help you with:

If you're ready to speak with a Mortgage Broker, then reach out to Des this week!

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

The best broker in the business No matter what time of day, Des was happy to answer the phone and answer any questions I had and I had a lot without any hesitation. Des was awesome and provided in depth information every step of the way and made sure our process went as smooth as possible.
Would 1000 recommend Des as your broker, thank you Des for all the help throughout the process

H
20 October 2024

Des went above and beyond to access mortgage options for me which allowed me to buy my forever home. Des is incredibly experienced and knowledgeable and provides ongoing communication and advice throughout the whole process.
His processes are set up in a way that make the application process simple and he does all the work for you.

I will be ever grateful to Des and I highly recommend his service.

Kylie
16 June 2024

Excellent service provides

Simone
19 May 2024

Highly recommended Des made our first purchase a breeze and was able to answer any questions and queries we had. Des was always available anytime we called and made it so clear and easy to understand for first home buyers. We will be returning to Des for our next purchase.

26 February 2024

Des worked so hard to get our loan approved in quite difficult circumstances. He was always on top of everything, efficient and highly communicative. He really listened to our needs and fully delivered. Can't recommend him highly enough.

Rowena
24 October 2023

Des was referred to us from a friend and did a fantastic job at organising us a great deal for our second home purchase. For a previous purchase we'd organised directly with the bank and we will never do it this way again - Des was attentive, responsive and helpful at seemingly any time of day. Can certainly recommend using Des for your firstnext purchase.

Dean
15 October 2023

Great service from Des, commutation was great, we where kept well informed throughout the process.

Brad
25 July 2023

Des was fantastic, couldnt have been happier with his assistance throughout the whole process.

The
24 July 2023

If I could give Des 10 stars I would. He was absolutely amazing throughout the whole process of our first home purchase. He was speedy with email replies and always available to answer any questions, as silly as some were as my partner and I knew nothing about buying a house. Des was patient and reassuring and kept us in the loop throughout every stage of the process. Could not recommend him highly enough

Jake
23 April 2023

Des was amazing, he did all the hard work for us Definitely recommend if you need help refinancing mortgages, or any loans.

Abbi
16 March 2023

Refinancing guide

If you’re thinking about refinancing, this guide can help you learn more about the refinancing process, benefits and options available.

Download now

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

PAYG Self Employed

My monthly income before tax

Rental income

My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

You could borrow up to

Repayments
/ month
Expenses
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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

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.

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

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.