Your experienced mortgage broker team for Bankstown, Yagoona & Padstow & surrounds

Call: 02 9790 0922

Interested in getting a home loan, investment loan, car loan, mortgage refinancing or financial advice?

Talk to the top mortgage brokers at Mortgage Choice in Bankstown. We will compare over 20 different lenders to find you the right finance solution.

Call Us Mortgage Choice Narellan
Office - 02 9790 0922

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

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Servicing Bankstown, Padstow, Revesby and surrounding suburbs.

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Home loan experts for Bankstown, Yagoona & Padstow areas

The team at Mortgage Choice in Bankstown have been helping home buyers in the Bankstown, Yagoona, Padstow and surrounding areas for more than 18 years.

Our team has a combined experience of over 90 years across financial services and lending expertise. You can rest assured that you've got the support of one of the most experienced teams to help achieve your financial goals.

The Bankstown area is growing and many local suburbs are ideal to raise a family or invest for the long term. Our Bankstown mortgage broker team are local experts and can help you achieve your home buying goals now and in the future.

Our finance brokers are also proud to be MFAA members and operate within a professional Code of Practice that supports the alignment of the retail mortgage market with investor and consumer trust and confidence.

Looking to build your first home?

Chat to us today. We recently helped Matthew and Ashley get their finances together for both the land and construction. Check out some of their before and after pictures below.

Contact Flavio Corbanese on 0437614708 today to get started!

Our Bankstown business is built on referrals

Helping thousands of Bankstown, Yagoona and Padstow area locals buy their first home is what our team loves being a part of. Assisting those same clients with refinancing their loans, purchasing investments and obtaining financial advice is an ongoing passion.

Our clients receive the best quality service, and this has resulted in some wonderful referrals to friends and family of clients. Customers returning to us time and time again is something we truly appreciate in our Bankstown business.

Contact your mortgage brokers for Bankstown, Yagoona & Padstow

Regardless of the stage you are at with your finances, we know we can help. Call our team today on (02) 9790 0922 to speak with our team and book a free appointment.

Why choose Mortgage Choice in Bankstown?

Wide choice - With our panel of over 20 of Australia's leading lenders, you'll have the choice of hundreds of loan possibilities and products.

Convenience - Let us do all the legwork for you, saving you the time and hassle involved in applying for a home loan - from application through to settlement.

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.

Professional advice - Our team gives you over 90 years of finance experience. We commit to give you honest and professional advice. Our clients always come first.

We're locals too - Living and working in the Bankstown area, we know the local Yagoona, Padstow, Chester Hill & Revesby area property markets and can advise you accurately on local issues. Also many of our clients are from across Australia and internationally - so we can help no matter where you live!

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Services we can help you with...

Pre-approvals
Home loans

Refinancing & debt consolidation
Advice & finance for first home buyers
Guarantor loans
Fixed, variable or interest-only loans
Financing renovations
Property investment loans
Construction loans
Car & other vehicle loans

Personal loans
SMSF loans
Home, car & other insurances
And more...

We're available across Bankstown, Padstow & Yagoona

With offices in Campbelltown & Narellan

Our mortgage broker team in Bankstown is fully mobile and can come to you at a time and place that's convenient.

Or we have two offices in the Macarthur area for your convenience, where we can also meet you:

Book an appointment with us today!

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

I recently had the pleasure of working with Theresa from Mortgage Choice for my mortgage needs, and I couldn't be happier with the experience. From the very beginning, Theresa demonstrated a high level of professionalism and expertise that immediately put me at ease.
What truly sets Theresa apart is her responsiveness. Every question and concern I had was addressed promptly, often within minutes.... read more

Nadia
07 June 2024

Flavio connected with my wife and I many years ago and assisted us in purchasing our first property recently, Flavio has helped us purchase our second property.
Flavio is personable, honest and supportive throughout the entire process. He presented us with many options and also provided his recommendation with transparency. Flavio is always a phone call away. We have followed Flavio's recommendati... read more

Adam
09 January 2024

Theresa from Mortgage Choice has been incredibly helpful, knowledgeable and professional throughout my entire home loan process. Theresa kept me informed at all stages of the loan process, providing a seamless and stress-free experience.
Without hesitation, I highly recommend Theresa from Mortgage Choice. Thank you

Thomas
03 August 2022

Theresa is so professional in all the dealing we made with her regarding all our mortgages . She is very responsive even on online services.
We had known her since our first mortgage which is more than 15 years and we kept in contact with her with any needs regarding our mortgages.

Gerardo
18 July 2021

As a first home buyer, I was very overwhelmed by the process. I was lucky to have Flavio Corbanese to help me, he was there every step of the way. Every question was answered and I always felt supported and he had my best interests at heart.
Thanks again Flavio

Lauren
18 July 2020

We have been using Theresa for a number of years now, and she has always been great in finding our best options for our refinancing. We will continue to use Theresa and her team.

18 July 2020

I have used Theresa at Mortgage Choice and her team for over 15 years. They have helped us with our finance many times. Theresa provides great service and always keep us informed at every stage of the loan process. I highly recommend Theresa and her team and have no hesitation referring her to my family and friends.

Andrew
18 July 2020

Theresa was fantastic! Timely, informative and very helpful. Would definitely recommend.

Brendon Beness
19 November 2018

Great company to deal with, our broker Flavio worked tirelessly and made the whole process easy. Would definitely recommend his services to family and friends

Mark Kiosoff
19 November 2018

We have been clients of Theresa for over 5 years now. As always the process is always smooth sailing. We can always sit back with peace of mind knowing that the process will be followed efficiently right to the end! Thanks Theresa and Susan for all your great work so far. We look forward to many more years to come!

Victoria Sooroojbally
19 November 2018

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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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.