Local Mortgage Broker & Finance expert in Nirimba Fields, Schofields, Marsden Park & surrounds.

Call: 0423 474 511

Talk to Raj today to experience a mortgage broker who is passionate about finding you the best solution. If you're looking for a home loan in the Nirimba Fields, Schofields, Marsden Park, The Ponds, Box hill, Riverstone and across Sydney regions, Raj is ready to help you!

Call Us Mortgage Choice Nirimba Fields
Office - 0423 474 511

Open Hours Mortgage Choice Nirimba Fields
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
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Nirimba Fields
Quakers Hill
Schofields
The ponds
Kellyville
Box Hill

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Our top 5 lowest interest rates available

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Comparison Rate

Credit criteria, conditions, fees and charges apply. Subject to suitability. The comparison rates in this table are based on a loan amount of $150,000 and a term of 25 years. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

Start your home loan journey today

Your Local Mortgage broker in Nirimba Fields, Schofields & surrounds.

Raj Kempalingannavar is ready to guide you through your property buying journey with his love for real estate and finance. He is passionate about actively contributing to make your home-buying experience the best it can be, and loves to see you reach your goals and succeed. Raj knows that mortgages can be complex and intricate, and will work through any problems that arise to find you the ideal loan solution.

Raj is fluent in both Hindi and Kannada, so he is well-equipped to assist you in your home loan search no matter your background. As an avid property investor himself, Raj loves everything that the property and finance industry brings, and he can’t wait to share his passion with you!

Our promise to you

When you work with Raj as your mortgage broker in the Nirimba Fields area, you are gaining all of his knowledge and experience to help guide you through each stage of the home loan process. He will listen carefully to your needs and situation and work with you to find a loan solution that works for your lifestyle. With hundreds of different loans from a broad selection of lenders at his disposal, you can be sure that Raj will leave no stone unturned as he finds the best deal for you.

Raj promises to always offer you honest, reliable advice that will help you make informed decisions, no matter which stage of your journey you are in. You can rely on him to have your best interests at heart. Working with Raj is stress free and simple - you won’t regret partnering with a mortgage broker like him!

Talk to Raj Kempalingannavar today about your home loan

We can also help you with:

Home loans
First home loans
Investment loans
Refinancing
SMSF Loans
Asset & equipment finance
Debt consolidation
Car loans
and more!

The benefits of refinancing

Refinancing can offer you a number of benefits, including lowering your repayment amount and shortening the length of your loan. Even a small change to your interest rate can have a significant impact over the long term! Refinancing can also allow you to consolidate debts and streamline your finances, as well as offering the opportunity to gain new features and reduce your account fees. To learn about which advantages may be relevant to you, book your free home loan review with Raj today.

Calculating your borrowing power

Your borrowing power will dictate the kind of home you can afford and your repayment amount. It is dependent on variables like your income and financial commitments. To make crunching the numbers a little bit simpler, try out our free online calculator tool, then speak with Raj about your next steps.

Moving house checklist

Once you’ve found your dream property, had your offer accepted, and secured financing, it’s time to move house! Moving can be difficult, but our handy downloadable checklist will make sure that you don’t forget a thing along the way.

Download it now

Call Raj Kempalingannavar on 0423 474 511 today to get in touch

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

Raj was extremely helpful and efficient when we applied for our investment property loan. He made the process so easy and was always easily contactable. From our 1st contact to our unconditional approval, the process was not longer than a couple of weeks at most and was so easy. Also recommended a couple of good investments suburbs.Will definately use his services again in the future. Thanks for everything Raj

Sam
12 September 2024

Working with Raj as my broker was a refreshingly positive experience. His proactive approach set him apart from the start. Instead of waiting for me to come to him with questions, Raj consistently reached out with timely advice and insights.
For anyone seeking a broker who combines expertise with a personal touch, I wholeheartedly recommend Raj. His proactive style and insightful guidance made the home loan approval process a much smoother experience.

Shubham
05 September 2024

Amazing experience going through our first home buying experience with Raj.
He assisted us in every step starting with looking at our circumstance, suggesting the best time to start, getting pre-approval sorted, going out of the way to suggest us good homes within our budget, providing right information and selecting the best possible mortgage lending provider, accompanying us in our house and... read more

Abhishek
29 August 2024

Raj's support and guidance throughout our home loan process has been very valuable. We were assisted throughout with the step by step requirements that is so important for any first home buyer. Raj took the time to understand our needs and situation when we found a property we were interested in and helped us organize the loan on competetive terms and informed us of all other legal processes i... read more

Pankaj
20 July 2024

I had the pleasure of working with Raj Kempalingannavar from Mortgage Choice, and I can't say enough positive things about my experience. Raj's excellent knowledge of the market was evident from the start, as he provided valuable insights and options tailored to my specific needs. His personal touch and very positive attitude made the entire process seamless and stress-free. Raj went above and... read more

Chandan
11 July 2024

Raj provided excellent support for my SMSF loan. He helped and assisted me in the entire process. I strongly recommend him for any mortgage.

Naveen
07 June 2024

Working with Raj was a good experience for us. His expertise and professionalism were evident from the start.
Raj offered us a wide range of financial options that met our expectations, tailored to our unique circumstances.
He guided us seamlessly through the entire process, including valuable assistance with our mortgage and providing investment advice.
Raj's ability to secure competitive int... read more

Vikram
21 May 2024

It was really good in working with Raj for my housing

Mahesh
16 April 2024

Raj is extremely thorough, patient and understanding of our needs and delays. He possesses extensive knowledge and takes the time to understand what is crucial to the client before giving advice. His guidance and honest advice during the purchase of our property were exceptional. We highly recommend his services.

vinay
01 March 2024

Clearly understood our needs helped with our mortgage requirements. Raj not only looked at our current set of goals with keen interest but also guided us on a better investment path. No doubt the interest rates offered were more competitive than any other firms we had approached earlier.

Sunil
29 February 2024

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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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.