Mortgage Choice in Kellyville, Servicing Castle Hill, The Ponds, Rouse Hill, Baulkham Hills, West Pennant Hills

Call: 02 9836 3380

Looking for a home loan? Talk to us today, your local Mortgage Choice brokers in Kellyville, NSW. Let us research and compare up to 25 lenders for you!

Call Us Mortgage Choice Glenwood
Office - 02 9836 3380

Open Hours Mortgage Choice Glenwood
Tuesday - Friday 9.00am to 5.30pm.
Free Appointment

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

We've recently been awarded the following:

Mortgage Choice - High Flyers - 2018
State Finalist - Better Business Awards - Customer Service 2015
State Finalist - Mortgage Choice - Business Excellence Award 2014/2015
‘Top 100’ Mortgage Brokers - MPA 2015
National Winner - Mortgage Choice High Flyers - Diversified - 2014
State Finalist - Better Business Awards - Best Customer Service and Satisfaction 2014
'Top 30 Under 30' - Broker of the year awards - Ranked 17 nationally 2012/13
State Finalist - Mortgage Choice - Business Excellence Award 2012/13
National Winner - CEO/GM High Flyers - Mortgage Choice 2012
NSW/ACT Winner - Franchise Council of Australia - 'Excellence in Franchising' 2012
'Top 30 Under 30' - Broker of the year awards - Ranked 6 Nationally 2011/12
Finalist - Australian Mortgage Awards - 'Broker of the year - Insurance (Loan Protection & Life)'
Mortgage Choice - Business Excellence Award 'Single Operator' NSW 2011/12 Q1
Mortgage Choice -Business Excellence Award 'Single Operator' NSW 2011/12 Q4
Mortgage Choice -Business Excellence Award 'Single Operator' NSW 2012/13 Q1

Hi, We're your local Mortgage Choice home loan experts in Kellyville, proudly servicing Sydney's Hills District and beyond. With some of the most experienced and nationally recognised brokers within our company, we have the experience and the industry knowledge behind us to help you secure the loan that's right for you.

Being a great Mortgage Broker is about understanding. Understanding the lending market and most importantly, understanding you, our client.

No matter what your position or what finance you need, we can help. We are advanced within all fields of finance. Talk to us today about

Home Loans
Investment Loans
Commercial loans
Personal Loans
Deposit Bonds
Insurance
Car Loans
Chattel Mortgages
Equipment Finance

We're always willing to go the extra mile. Achieving the right result for you is our success.

We'll review dozens of loans from our panel of lenders, select those most suited to your individual needs and explain your options. We'll also take care of the application and follow it through to settlement. This is what I do, so why not let us do what we do best, and you can focus on all the other exciting aspects of buying or investing in property.

Let's make a time to meet - after just an initial chat, you might be surprised at what options are available to you.

If you're in the area, why not drop in and say hello, we are located at 1/55 Windsor Road, Kellyville. - On the corner of Acres Road and Windsor Road, just down from Kellyville Public School

Looking forward to meeting you,
The team at Mortgage Choice in Kellyville

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

Prompt, helpful and professional in every way. I could not have been more satisfied with my experience working with both Pixie and Bianca.

Kylie
06 February 2024

Bianca made it possible to get us into the housing market many years ago. Since then shes exceeded any expectations weve had, worked to find us the best deals and saved us thousands of dollars Bianca will remain our mortgage broker until we dont have a choice but to enter a retirement village. Thank you Bianca for all youve done for our family

Lauren
19 December 2023

We were recommended by a friend and Bianca Long and her team didn't disappoint We tried a different mortgage broker before who never explained things properly and had bad communication.
Bianca always kept us up to date and answered any questions we had. As first home buyers, we felt like she really cared about us being able to achieve what we wanted. Even though we had a complicated financial situation... read more

Lynette
08 October 2023

Bianca and her team have delivered again.

Having been a very satisfied client of Bianca Longs for over 16 years - her and her team Pixie and Portia continue to impress me. I contacted Bianca on the 31st August 2023 with an enquiry around potentially drawing a small amount of equity from my mortgage. Today is the 27th September 23 and my new refinanced home loan settled at a far better rate. The proces... read more

B
27 September 2023

We have been using Mortgage Choice Kellyville services for over 20 years. We no longer live in the local area but we continue to use Biancas service. Bianca is fast, efficient and her office always keeps you up to date throughout the entire process. Highly recommend for a smooth sailing application

Brett
06 September 2023

Thank you so much Bianca and her team especially Ariane for keeping us up to date from the very beginning till the settled for our first investment property. Highly recommended to all.

Carmen
23 July 2023

I was extremely impressed with Bianca's efficiency, professionalism, and helpful guidance. She was able to work within our circumstantial restrictions to devise a workable solution and great outcome.

Jeff
04 June 2023

Professional and diligent

Dave
01 June 2023

Bianca and her team have gone above and beyond to provide the personalised service that has provided me with fantastic results in this turbulent, economic climate. Mortgage choice offers a professional and customised service which has delivered cost saving results. I have been using Biancas services for the past 18 years and would highly recommend getting in touch with the best mortgage broker in the business.

Richard
27 April 2023

I have been dealing with Bianca and her team for about 10 years now when it comes to loans and refinancing. To say shes the best in the biz would be an understatement. She is efficient and uber knowledgeable. She explains everything so well and we always get the best possible outcome in a timely fashion with her help. Bianca I would like to thank you so much for everything you have done for us and if we need any more loans we will never look elsewhere Best broker EVER

Janine
29 March 2023

First home buyer's guide

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process.

Download now

Eguide First Home Buyer New Cover 255X360

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

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

My other monthly repayments

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

Calculate

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.

If you buy a home costing up to $430,000, no stamp duty is payable at all. If the value of your home is between $430,000 and $530,000, you’ll be entitled to a reduced rate of stamp duty. There are no additional concessions for homes valued above $530,000 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.