Steven Csikos Mortgage Choice Broker in Baulkham Hills, Norwest & The Hills District

Call: 0417 704 772

Looking for a home loan?

Talk to Steven Csikos your local Mortgage Choice Broker in Baulkham Hills and the surrounding Hills District.

Let us research and compare over 35 lenders for you.

Call Us Mortgage Choice Norwest
Mobile - 0417 704 772
Office - 02 9680 2300

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

Address

321/4 Columbia Court NORWEST, NSW 2153

Latest home loan interest rates

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Welcome to Mortgage Choice Baulkham Hills

My name is Steven Csikos. I am your local Mortgage Choice Broker in Baulkham Hills and the surrounding Hills District.

Together with my accomplished team we can provide you with a professional service comparing hundreds of home loans from a wide choice of lenders.

We don’t charge to find the right loan for you!

Tired of wondering when to buy Or where to buy OR what to buy OR who to talk to AND how to invest?

Here is Why I Can Help You:

I am a high-level expert in my field with a sound understanding of financial markets and self employed income
I care about people
I know how to help you take the first step in buying your very first home or make the milestone decision to buy an Investment Property
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.

We'll do the legwork for you!

Whether you are interested in a first mortgage, upsizing, renovating, refinancing, a commercial loan or in self-managed super-funds, I can connect you to the best opportunities available and walk with you from start to finish in helping you make sound choices for your financial future. My services cover [but are not limited to] Home Loans, Construction Loans, Self-Managed Super Fund lending, Car Loans, Commercial Loans for Investment and Business Use.

Once we have found the most suitable loan for you, we’ll follow your loan application through to settlement, keeping you up to date along the way.

Say ‘YES’ to Wealth Creation

My personal vision is to help people understand that wealth creation begins with mobilising yourself to choose wisely and act decisively. Whether you are a fresh beginner entering the mortgage space or a veteran with dreams of expanding your personal investment capacity, I can help you identify opportunities, choose wisely and act decisively!

Ask my clients about Steven Csikos and they will verify that the bulk of my business is by referral. I have often served two generations of clients as well as their friends and networks.

Gain the Competitive Edge

I have built significant strategic skills and accumulated in-depth research experience of local and national markets that have given me a competitive edge in the industry. With me, you will learn to identify risks, make WISE CHOICES AND take DECISIVE ACTION.

Get down to business:

Let me help you to -

1. Understand your Capacity

2. Map the best strategy to your capacity

3. Prioritize your finances

4. Identify your short-term and long-term goals

5. Tailor the best product to achieve your goals

6. Choose the Right Moment

7. Act Decisively

8. Invest Productively

To Book an appointment:

For an informed, professional and caring service call us today on 0417 704 772.

Or click on the red 'speak to us' link at the top of this page.

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Baulkham Hills, Castle Hill, Kellyville and surrounding Hills District we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with Steven Csikos to discuss your unique circumstances.

What services does Mortgage Choice Baulkham Hills Offer?

First Home Buyers
Home Loans
Investment Loans
Refinancing
Construction Loans
Self Managed Super Funds
Life,risk & income protection insurance
Personal and car loans
Commercial and equipment finance

Servicing Sydney Hills District and beyond:

Baulkham Hills
Beaumont Hills
Bella Vista
Carlingford
Carlingford North
Castle Hill
Kellyville
Kellyville Ridge
Kingsdene
Northmead
North Parramatta
North Rocks
Norwest
Rouse Hill
West Pennant Hills
Winston Hills and Beyond

Ready to kickstart your journey to home ownership?

We’ll assist you along the way and do all the legwork for you! Call Steven today on 0417704772

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

Great broker. Very communicative and got a loan with minimal hassle.

Addie
17 June 2024

Kylie was so easy to deal with and always responded promptly to my questions

Jen
07 June 2024

Excellent service from Kylie and Steven who went above and beyond with my land and home loans. Highly recommend.

Matthew
07 February 2024

I highly recommend Steve and the team. They are amazing and helped me through a very complex financing process. They couldnt have been more helpful or easy to deal with.

Mark
18 October 2023

Highly recommend Steve, he was on top of everything, picked up every phone call and answered any queries. Got us a deal we are very happy with. Will return to Steve if we ever need a broker again.

Sam
02 June 2023

I couldn't recommend Steven and his team more. We have been dealing with him for a number of years now, having done both mortgage renewals and a new purchasemortgage process. He always goes the extra mile, no question is ever silly, he is genuine in his approach and discussed all options without any hard selling tactics. We will continue to use Steven for our broking needs and recommend him to others.

grace
26 April 2023

Steve has been really helpful with new mortgage loans and the subsequent renewal. He gets the best offer from the various banks.

Anand
12 April 2023

Steven is a great guy who is super experienced in home lending and always goes that extra mile for you.

Ben
22 March 2023

Steve was a great help for my first home loan. Very knowledgeable, friendly and made everything so seamless for me. Thanks Steve and team

Amy
21 March 2023

We are extremely happy with the service provided by Steven and his team who helped us refinance our home loan. Very efficient, knowledgeable, friendly and listened to our needs and found us the best loan. We highly recommend them

Yurt
22 February 2023

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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Just me Two of us

Dependants

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PAYG Self Employed

My monthly income before tax

Rental income

My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

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2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

You could borrow up to

Repayments
/ month
Expenses
Remaining

Based on standard variable rate over years.

Start the pre-approval process

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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

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.

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

Need help with your next home purchase?

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.

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Steven Csikos Mortgage Choice Broker in Baulkham Hills, Norwest & The Hills District

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