Priya Deguara is your local Home Loan expert and Mortgage Broker in Moorebank, Liverpool, Hoxton Park, Edmondson Park and surrounding areas.

Call: 0414 854 244

Need help with your home loan, car loan, refinance, construction loan, business loan? Talk to Priya and let us research the best deal for you.

Call Us Mortgage Choice Cronulla
Office - 0414 854 244

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

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Ready to purchase a property?

We are your local Mortgage Broking experts in Moorebank, Liverpool, Hoxton Park, Edmondson Park and surrounding areas.

We specialise in providing you and your family with an absolute premium service to make your loan process simple and enjoyable.

Let us research all of your best options to ensure you get the absolute best deal possible saving you time and money.

Expert home loan advice

You will be pleased to know that our home loan service is totally free of charge - the lenders pay us after your loan settles.

As a Mortgage Choice broker we have a wide range of quality lenders on our panel and hundreds of loan options.

We will also complete the application, take care of all the legwork and keep you updated along the way.

To arrange an appointment at a time and place convenient to you please call Priya on 0414 854 244.

Mortgage Choice in Moorebank, Liverpool, Hoxton Park, Edmondson Park can help you with:

Not sure where to start with your property journey?

Our property guides provide further information which may assist you with your home loan, no matter if it's for your first home or for an investment property.

Download your copies for free here!

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

Highly recommend Priya. She went above beyond to find the best option for my needs. Priya made the whole process easy there were several obstacles in her way. Thanks so much Priya

melinda
30 October 2024

My wife and I enlisted Priyas services to help us figure out if we could qualify for a home loan. Not only did she come back to us with good news, she gave us specific figures and a lot of options for all the scenarios we enquired on. Our property search took a while but she remained patient with us. Through out the process from the first enquiry, to refinancing and using equity to purchase another p... read more

21 October 2024

Working with Priya was an absolute pleasure. Her exceptional service, expertise, and dedication made the mortgage process really easy for us. I would recommend Priya to anyone seeking a trusted and skilled mortgage broker. She truly went above and beyond to make the whole process really transparent, easy to understand, and ultimately less stressful on us. Thank you

Darshan
25 August 2024

Priya is a wonderful Mortgage Broker. Me and my wife had wonderful experience of buying our first home in Australia. Priya guided us all the way. Thank you Priya for your invaluable services.

Yousuf
06 May 2024

Me and my partner recently worked with Priya to secure a mortgage for our first home.
Priya was very responsive, knowledgeable and went above and beyond to ensure smooth process.
Always guided and helped through the complex environment of mortgage to find the best deal for our situation with clear communication through out.
Would highly recommend Priya for anyone looking for a reliable and skilled mortgage broker.

Jayendran
25 April 2024

Priya went above and beyond with the service she provided for gaining a home loan. Her efforts and insights helped with purchasing a property. She made the process seamless and was updating me and checking in to ensure everything was progressing. She worked efficiently and was a great person to deal with. I will use her services again in the future.

04 April 2024

We are currently working with Priya on our first home loan and we couldnt be more happy with her wonderful work ethic, dedication, professionalism Thank you Priya

19 March 2024

THE BEST IN BUSINESS

Our wonderful broker Priya went absolutely above and beyond to help us with our first successful home loan application. Priya fought hard for us to reach our outcome after many set backs out of our control. Priya made the process effortless and stress-free. We are so thankful and blessed for her persistence and support through all stages.

Appreciate your hard work and cannot wait to do this again for our next purchase.

Highly Recommended.

Selz Tas

Selu
14 February 2024

Finding Priya was a blessing for me. Having to refinance and purchase a new place by myself has been a time consuming and stressful process but knowing I had an efficient, effective and supportive mortgage broker who was always available to take my call, answer my questions and do what she can to resolve any issues made it easier. She always delivered. To top it off she's a lovely person and I am very grateful for all her help Recommend

S
20 November 2023

Priya's expertise, support, responsiveness and professionalism throughout the entire process was incredible Her helpfulness, insights and guidance also made a significant difference, turning what felt like a significantly complicated process as a first home buyer into a smooth, flawless experience. Highly recommended for her expertise and support, particularly for first home buyers

Kurt
13 November 2023

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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.