Garry Sangwan

Your award-winning local mortgage broker expert team in Williams Landing servicing Truganina, Tarneit, Point Cook, Werribee & surrounds

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Call 03 8755 4824

Garry and his team are experienced mortgage brokers who will assist you in finding the most appropriate loan as quickly as possible.

Their knowledge of lending products and policies, combined with their ability to listen to and understand their client’s needs, enables them to identify finance solutions that meet your unique circumstances.

The team are mobile in Melbourne and Sydney.

Call Us Mortgage Choice Williams Landing
Office - 03 8755 4824

Open Hours Mortgage Choice Williams Landing
Monday - Friday: 9:00am - 5:30pm
After hours by appointment
Free Appointment

Address

Suite 409, Level 4, 101 Overton Road WILLIAMS LANDING, VIC 3027

Latest home loan interest rates

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Start your home loan journey today

Services

Garry, Manpreet and the team at Mortgage Choice understand that smart lending is the cornerstone of wealth creation, and are passionate about helping you find a loan solution that puts you on the path to financial success.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Reverse mortgages (Referred to third party)
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)
SMSF loans
Loan protection insurance
Building/construction loans

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice Williams Landing servicing Truganina, Tarneit, Point Cook, Werribee and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with us to discuss your unique circumstances.

Other areas we service

With their committed and thorough approach, this experienced mortgage broking team will take the time to ensure you fully understand your lending options, negotiate with lenders on your behalf, and provide support and assistance every step of the way.

They are based in Williams Landing and offer a mobile service in Melbourne and Sydney.

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 am grateful for the exceptional service provided by Garry and his incredible team throughout the mortgage process. From start to finish, they went above and beyond to ensure I found the right lender with the best possible terms tailored to my needs. Their knowledge of the market, combined with their ability to streamline the application and approval stages, made everything seamless.
Thank you Garry team

Prasanthi
10 December 2024

Garry and His team is really great.

Garry helped us navigate us a tough situation which our previous mortgage broker got in. We had lost hope of loan approval but Garry and his team made it happen.
Garry communicated each and every step and assisted us with each and every query. He is really patient and shares the knowledge to educate yourself about the process.
I would highly recommend Garry for someone who want to get their foot in their first home hassle free.

Drew
10 December 2024

Garry team were very focussed on getting the refinancing as it was bit complicated being trust related. They were communicating with us every step of the way and keeping us informed of the progress. It took a bit of time to get this settlement but it had few different banks involved and three properties. We had very good experience and highly recommend anyone to take their services.

S
06 December 2024

Garry and his team were an excellent choice as my mortgage brokers, very reliable and professional.Garry made the whole process so easy for me, his team was exceptional in communication and responsiveness.
Thank you very much for your efforts and helping me secure a mortgage.

Varun
27 November 2024

We had an excellent experience with Garry at mortgage choice during the process of buying our first home. He made the mortgage process straightforward and stress-free. Garry was friendly and professional at the same time and was always available to answer my questions and provided clear explanations of my options. Special thanks to Jas and Aman for their support as well. Their expertise helped me se... read more

Keerthi
28 October 2024

Garry and his team have been absolutely wonderful. Garry educated us about the entire process, so that we can make a more informed decision. He was always a phone call or a text away and made the entire loan process as much hassle free as possible for us. Him and his team were proactive and responsive and their efficiency is second to none. I highly recommend reaching out to Garry for a home loan.

Ajay
26 October 2024

Outstanding Service Highly Recommended

Garry Sangwan and Jas Narwal from Mortgage Choice made the home loan process smooth and hassle-free. They found the best loan option for my needs, explained everything clearly, and handled all the paperwork efficiently. Their professionalism and prompt communication were exceptional. I highly recommend them to anyone looking for reliable and knowledgeable mortgage brokers

Joyce
18 October 2024

Very happy with service received. Professional, capable, and friendly staff. Highly recommended.

Hemalatha
30 September 2024

I have applied for my home loan as an owner builder through the Mortgage Choice Williams Landing branch. Garry Sangwan personally helped me a lot and approved my home loan in less than 2 months.
Great experience and smooth journey with team.

I will recommend him to my friends and relatives
Thanks heaps - Garry Sangwan and Team.

Umangx
22 August 2024

Garry helped me to secure my loan in a very smooth and professional manner. Didn't have any issues and provided support and guidance throughout the way. I would highly recommend their services.

Yasir
21 August 2024

amazing services.

mukesh
28 July 2021

Highly recommend Garry and his team. They are very professional and helpful in providing us with multiple lender options and processing our loan. Thank you.

Srikanth
18 June 2021

Big Thanks to team Smartline couple of deals done back to back, Highly recommend Garry and Sonam.

Amandeep
18 April 2021

Amazing finance broker, I got my home loan through Garry, best service I could get for my first home. Would recommend 100% for everything.

Chetan
18 August 2020

Mr. Gary Sangwan is awsome. very helpful and supportive.
i wish him all the best in future.

sujit
18 August 2020

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

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Other income

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My credit card limits

Other repayments

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2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

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2nd applicant monthly other income before tax

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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?

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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.

Click here for more information on the WA First home Owner Grant.