Mortgage Choice, Mortgage Broker - Castle Hill to The Ponds and Surrounds

Call: 0411 505 536

Mortgage Choice in Sydney Hills are an award winning Mortgage Broker that can help find you the best home, car, commercial, investment loan and more to suit your needs.

Save time and get expert advice by booking your free, no obligation appointment with us today.

Call Us Mortgage Choice Middle Dural
Mobile - 0411 505 536
Office - 02 9653 9333
Fax - 02 9659 6499

Open Hours Mortgage Choice Middle Dural
8.30am - 6pm. After hours and Saturday appointments available.
Free Appointment

Mobile Broker

Castle Hill, Baulkham Hills and surrounding suburbs. We can meet where and when it suits you.

Our top 5 lowest interest rates available

Fixed rates
Variable rates

Lender

Interest Rate*

Comparison Rate

Lender

Interest Rate*

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.

Welcome to Mortgage Choice in Castle Hill & Baulkham Hills

Mortgage Choice in Sydney Hills will guide and support you throughout your journey, whether it’s your first home, next home, debt consolidation or refinancing, we’re here to help you.

Scott Partridge and the team in Castle Hill, Baulkham Hills & surrounds are here to help you achieve your finance and home loan goals.

Finding the loan that suits you, with the right features at the right rate, can be confusing and time consuming. It could take hours of online research, not to mention the paperwork and follow up required for your application.

We’ve been helping local residents in Baulkham Hills and surrounds for over 20 years. We work for you; every customer is valued and provided with the best service possible. We will work closely with you through the whole process, and give you the ongoing support you need.

We're your local home loan & finance experts - and we're ready to help!

Having helped customers in the Hills district since 1998, we have a wealth of knowledge and experience in both mortgage broking and property. We will use our more than 20 years’ experience in the industry, our panel of 30 plus lenders with 100’s of products, and our exceptional customer service to find the best loan for your situation.

We can arrange to meet at your home, work or anywhere that suits you, during business or after hours. Saturday appointments are available.

Speak with us today

If you’re looking for an experienced finance broker in Baulkham Hills, Castle Hill, Kellyville & surrounds then get in touch with Scott & the team today on 0411 505 536, email or enquire online.

Our Services

We offer professional advice for a wide range of requirements, such as:

First home buyer finance
Home Loans
Property investment loans
Home loan refinancing
Fixed, variable and interest only home loan packages
Debt consolidation
Commercial finance
Car loans

Your Free Property eGuide

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

Scott was amazing, quick, efficient, and successful at helping us achieve what we needed. It was a really smooth process and we felt we were in really good hands.

Paul
04 December 2024

Scott and his team made the process a smooth one. In what is normally a stressful process Scott was always just a phone call away from answering all our silly questions. Thanks again Scott.

Todd
25 November 2024

Scott is easy to deal with, quick to respond and makes purchasing a property seamless. Excellent customer service, would recommend to anyone

DIANA
04 November 2024

Scott from mortgage choice was so helpful and no questions were too small. He was always there to assist us throughout our refinancing and relocation loan. Highly recommend

Michelle
02 November 2024

I was very pleased with Scotts assistance purchasing my new home. Thank you, Scott

24 October 2024

Very happy with the service we got from Scott, who was recommended by my sister. We have used him twice now, and everything went smoothly.

Darrin
08 October 2024

Brilliant service. Scott was able to find the perfect solution for us and adjust on the go as our needs changed. Had all the time in the world to hear all our worries and concerns and then address them to help us understand all the fine details. This type of attention and customer service is few and far between these days.

Tim
04 September 2024

Both Scott and Taryn were great through the whole process, I would've struggled to do it without them.

Craig
26 August 2024

Great support to get my Self Managed Super Fund Loans Rate down. Scott did a great job to get it down and manage all the annoying paperwork. Thanks Scott

Astrid
14 August 2024

We've always enjoyed a great personal and business relationship with Scott and the team. Most notable is his availability to respond to new work quickly to generate a quick turn around for us as the client. We appreciate his work ethic, insights and advice he can offer with different strategies to gain the best result for us. No problem at all to refer him on to other potential clients.

John
10 May 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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You could borrow up to

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/ month
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Remaining

Based on standard variable rate over years.

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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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Your monthly repayments
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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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Total fees:

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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.