Glen Fleming

Mortgage Choice for Erskine Park, Penrith, and Blue Mountains

Call: 0414 184 180

Call Us Mortgage Choice Banora Point
Mobile - 0414 184 180
Office - 0414 184 180

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Hi, and welcome to my page. I'm Glen Fleming, your mobile Mortgage Choice Mortgage Broker for the Nepean.

I've been a Mortgage Broker now for over 18 years, and I love what I do. I've helped thousands of locals achieve their dream of purchasing property - and many that came to me as first home buyers have since gone on to grow their wealth through investment property portfolios.

Together with experience and strong product knowledge, I am all about providing my clients with a 'no nonsense' approach. I take the complexity out of finding finance, I don't use jargon and I am always happy to answer any question you may have - no matter how complex or simple you think it may be.

As a mobile Broker, I come to you, and I'm flexible so I can fit in with your schedule. Give me a call and let's talk about your finance needs - I can help with:

First home loans
Investment loans and strategy
Using the equity in your home
Refinancing your existing mortgage
Commercial loans
Equipment and vehicle finance
General insurance

Keeping it Simple & Stress Free

Here's how I make the process of securing finance simple:

I'll come to you, at home or at work, for an initial chat about your goals and circumstances

I'll assess dozens of loans from our panel of lenders to find those most suited to your individual needs

I'll provide details on each loan, explain the options, and answer your questions to help you make the choice that's right for you

I will submit the application, follow up with the lender, and most importantly, keep you fully informed right through the whole process

And 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.

Go on, give me a call and let's talk about what options are out there for you.

Servicing: Erskine Park, St Clair, Leonay, Emu Heights, Emu Plains, Glenmore Park, Orchard Hills, Colyton, Oxley Park, Jamisontown, St Marys, Mulgoa, Regentville, Claremont Meadows, Lapston, Glenbrook, Blaxland, Penrith, Cambridge Gardens, Cambridge Park, Kingswood, Werrington, Cranebrook, Ropes Crossing, Mt Riverview & where you are.

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

Glen was very helpful, made the process very comfortable and smooth. Glen is very honest as well as realistic. As this was our first home he was open to discuss any concerns we had, this was a great asset.

As stated this was our first home, but won't be the last time we would use Glen Fleming. We have referred Glen to friends and family and will continue to do so.

A great person to have in anyone's corner

Bevan & Monique McWha
16 December 2017

The time had come for my fiance and I to start looking for our first home together. We were a little worried about dealing with the different banks, comparing interest rates and we had no idea how to find the best home loan to suit our needs.
Then a friend of ours recommended Glen. After meeting with Glen all our worries were gone. He was both friendly and professional. He answered all our questions and... read more

Craig & Katie Cavanagh
16 December 2017

My wife and I had a unique property purchase situation that needed to be solved. Glen made us feel at ease from the very first meeting. He provided us with a range of home loan options, and assisted us in choosing a package that best suited our needs. Glen was friendly and approachable, and extremely thorough throughout the process. Not once did we have to phone Glen to see where things were at, and he... read more

Dane & Olga Atkinson
16 December 2017

Provided excellent service before and after sale of property. Very easy person to relax and communicate with.

(We thank you once again).

Terry & Marilyn Brown
16 December 2017

Very approachable and offers easily understood, professional service.

Offered sound advice and options to enable us to choose the best package to suit our needs

Juanita & Edward Cranstoun
16 December 2017

Glen, the advice and help you gave me was excellent. I knew absolutely nothing about purchasing a home or home loans and you made it an easy and stress free process.

Thank you.

Joanna Lennon
16 December 2017

We are very pleased with the refinancing. All we had to do was choose whom we wanted to go with & sign up. Glen did all the work. Great work!!

Thank you Glen.

Quentin Adkins & Gillian Hinz
16 December 2017

He made time for me any time I called and would shuffle his scheduled around to fit me in.

Craig & Kerren Anderson
16 December 2017

We moved in! Thank you for being awesome at what you do! It takes the pain out of the process. Hope you have a great day and we will be in touch again when we move again in the future!

Cindy Nour & Mark McDonald
16 December 2017

Once again I want to thank you from both Eliza and I for all the help that you have given us with buying our first house together and making it such an easy and enjoyable experience.

Craig Clark & Eliza Young
16 December 2017

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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.

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