Melanie O'Connell | Mortgage Broker in Narellan, Campbelltown and Macarthur | Home Loan Expert

Call: 02 4627 7447

Over 10 year experience in helping our clients build wealth through property ownership!

If you're a first home buyer, looking to refinance, invest in property or if you're self-employed, our team of Mortgage Brokers in Narellan and Campbelltown will research and compare options from more than 20 lenders to ensure you find the loan that aligns with your requirements. Call or book an appointment with our home loan specialist today.

Call Us Mortgage Choice Narellan
Office - 02 4627 7447

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

Address

Unit 4, 7 Maxwell Place NARELLAN, NSW 2567

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What can you expect from Melanie her team at Mortgage Choice Narellan and Campbelltown?

Our award-winning team 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. At Mortgage Choice Narellan and Campbelltown, we have access to hundreds of loan options from over 20 lenders, so we are confident we can find a solution for your needs.

Whether you're a first home buyer, want to refinance your home loan or if you're an experienced property investor, Melanie O'Connell from Mortgage Choice in Narellan and Campbelltown will ensure you have the most suitable and competitive mortgage available.

What makes Mortgage Choice in Narellan and Campbelltown stand out?

Melanie and her team's mission is to find the right home loan for your individual needs and to always have your best interests at heart. At the heart of everything we do is a commitment to unparalleled customer care. For us, this isn't just about getting your loan approved, it's about being attuned to the current market conditions, proactively reaching out to our clients, and ensuring they always have the right loan structure in place for their needs.

Our approach

Every part of our business has been meticulously thought out in order to provide unwavering support to our clients. We pride ourselves on our post-settlement strategy, which we believe is market-leading. With a dedicated team member overseeing this process, we're always on the front foot, ensuring our clients get the best rates possible.

Beyond settlement

Lastly, our commitment doesn't end at settlement, we will continue to conduct regular reviews, especially during periods of changing interest rates. If we believe rate rises may be affecting a client, we act before they even realise they need to. Our services also include coaching, helping them to decide between product switch options, and ensuring they're always in the best financial position.

Precision and clarity

Our team operates with precision and clarity. For example, each of our staff members has a certain role which covers processing loans, submissions and settlements and conducting annual reviews. We're always monitoring market interest rates, and we don't hesitate to negotiate with lenders to secure discounts for our clients.

In 2022 alone, 60% of our new business came from referrals, which is a testament to our client satisfaction. Our difference is clear. We're not just a loan service; we're a lifelong financial partner dedicated to helping our clients.

If you want to have a mortgage broker who guides you through the process but also continues their hard work afterwards, then we would encourage you to get in touch with our team to make an appointment.

Call Melanie O'Connell, your Mortgage Broker in Narellan and Campbelltown to book an appointment - (02) 4627 7447 or 0435 048 118.

If you prefer to email, simply get in contact at melanie.oconnell@mortgagechoice.com.au.

Call our team - your experienced mortgage broker in Narellan & Campbelltown on (02) 4627 7447 or 0435 048 118.

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

Melanie and her team are all amazing. Been with them since 2018. They are quick, pro-active and no non-sense partners in generating best and winning results to their clients. Communication clarity is top-notch

AirJuan
17 February 2025

Melanie offered great advice, tailored to our specific needs. She has an amazing team who worked tirelessly to get us the best rate possible. They are an incredibly knowledgeable, professional, kind and understanding team. We are repeat customers and we highly recommend her services.

Frances
09 February 2025

This service is amazing, they went through financials before we purchased a house and continue to check that the rate of our loan stays competitive. They are efficient and friendly and continue to negotiate with the bank on our behalf.

Robyn
27 January 2025

Melanie and her team were amazing So very helpful with supporting us to get the right home loan that suited our needs. Melanie really listened to us. Thanks so much Melanie We appreciate all your assistance.

David
25 January 2025

I have had a very pleasant experience with both Melanie and Charlotte. They have gone above and beyond to ensure i understood everything needed and was never to busy for me to have a quick chat. They are very responsive and dont keep you hanging waiting for a response highly recommend.

kimberley
24 January 2025

As a first home buyer, I was very overwhelmed on how to try and get my first property.
Melanie was very good at explaining everything.. I couldn't be happier with her professional service and also calming demeanour...
I'd highly recommend Melanie to help anyone looking to buy their first property.

Robert
24 January 2025

Excellent communication and very helpful.
Melanie made the process of getting pre approval to buy our first home very easy and we feel we got a great rate. We also receive regular emails throughout the year with useful information.

Bryce
13 December 2024

Mel for us, is honest and trustworthy. She has a plethora of knowledge and experience, plus a friendly team to smoothly guide you through the process in achieving your goal. Mel has guided us on our refinance journey and was able to secure one of the best interest rates there is. We highly recommend Mel to anyone who seeks her services.

Litlit
10 December 2024

Our first, second, and now final houses have all been facilitated by Melanie. Additionally she assisted with my parents property as well. Easy to talk to and makes sure we get a good deal.

Marek
06 December 2024

My wife I were in a situation where we suddenly saw our ideal house hit the market.
Time was of the essence being unprepared could make or break the deal. We reached out to Melanie in desperation as the clock was ticking for the proposed Auction. Melanie worked her magic prioritised us to the point where she arrived at our home at 930pm to run through documents sign paperwork. Suddenly we were... read more

Johnathon
05 December 2024

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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.