Mortgage Broker for Baulkham Hills, Kellyville, North Kellyville, Castle Hill, Bella Vista, Glenwood, Beaumont Hill, The Ponds & Surrounds.

Call: 0432 432 564

Looking for a home loan? Talk to Rupav Kwatra, your local Mortgage Choice broker from Baulkham Hills, Kellyville, Castle Hill and the surrounding area.

Call Us Mortgage Choice Bella Vista
Mobile - 0432 432 564
Office - 0432 432 564

Open Hours Mortgage Choice Bella Vista
Monday - Friday: 8:00am - 8:00pm
Saturday: 9:00am - 5:00pm
After hours by appointment
Free Appointment

Address

C-47, 24-32 Lexington Drive BELLA VISTA, NSW 2153

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Mortgage Broker Baulkham Hills, Kellyville and Castle Hill

As your local Mortgage Choice broker in the Hills district, Rupav Kwatra knows what it takes to find his clients the right home loan for their situation. Rupav will take the time and hassle out of shopping around for the right home loan and will guide you through the home buying process.

With access to hundreds of loans from a wide choice of lenders, including Australia’s big banks and a selection of specialist lenders, Rupav is confident in finding all local homeowners and investors the right finance option for their needs.

To get started on the home loan process, get in touch with him this week.

What makes us different?

As a mobile broker, Rupav is available to meet at a time and location that suits you. This can be a huge benefit if you’re time-poor or have work or family commitments to consider. As your broker, Rupav is passionate about helping you find the best option to meet your needs. He understands that life is busy and purchasing a home or investment property is a BIG decision.

We understand that every person has different needs, and Rupav's goal is to deliver personalised service and tailor options to suit you. To make your life easier, he will sort through over 3,000 products across 35 lenders and work with you to find the right loan.

The best part...

Our home loan service is at no charge to our customers because the lenders pay us a commission after your home loan settles, so you get all of our expertise at no cost to you.

If you're ready to discuss your financial situation, feel free to call him on 0432 432 564.

Ready to kickstart your property journey? Give Rupav Kwatra, our mortgage broker, a call today.

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Home Loan Resources

If you're researching the best ways to enter the property market, then you may find our guides useful. Feel free to check out some of our free resources below.

Get in touch with mortgage broker Rupav Kwatra this week to discuss your home loan needs.

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

I had a fantastic experience working with Rupav as my finance broker. He was incredibly knowledgeable, professional, and responsive throughout the entire process. Rupav took the time to understand my financial needs and found the best solutions for my situation. He made the process seamless and stress-free, always keeping me informed and answering all my questions. I highly recommend Rupav to anyone looking for reliable and personalized financial advice.

Karishma
28 September 2024

We had a fantastic experience working with Rupav to secure our property. From the outset, he was prompt, responsive, and always available to answer our questions. Rupav's expertise and dedication ensured that the entire process went smoothly and efficiently. Thanks to his hard work, we were able to secure our property in a timely manner, which was incredibly important to us. We truly appreciate his pr... read more

deepa
30 August 2024

We needed a broker to assist us with our knock down rebuild and reached out to our local mortgage choice broker. Rupav has been absolutely amazing, he was always available to answer questions and guide us through not only the mortgage process but the construction process as well.

He made the financing a breeze and stress free and ensured that payments were made to the builder on time, especially when... read more

Martin
18 July 2024

As a first home buyer in the Sydney market, we always knew it was going to be a tough ride. But I am glad to share the Rupav played an instrumental role in our first home journey

Right from the first meeting to guide on our borrowing capacity and long term strategy till today, Rupav is just a call away from us.

Rupav negotiated great and competitive home loan product from the same big bank which off... read more

Gurjot
10 June 2024

We have used Rupav twice now for financing of a significant rennovation and most recently a purchase of a new property. He has always been prompt, patient and attentive to our needs questions. Provided good advice, alternatives and solutions when our long term bank one of the big 4 just could not even bother or be interested. Great advice and quick turnaround really took any stress of the process away. Great communication and in looking out for us in the processes. Highly reccommend

Andy
18 April 2024

Rupav provided us with an excellent, reliable service and organised the finance for the purchase of our first home in a very timely manner. His expert advice and quick turnaround took the stress out of the whole mortgage process and we ended up with a favourable mortgage and at affordable rates suiting our circumstances. Would definitely recommended Rupav's services.

Roshan
06 April 2024

Rupav is easy person to work with and having good knowledge and concern for his client. I recommend him due to 7 star service received by us. Thanks Rupav
Rakesh and Neelam Agarwal

Rakesh
25 January 2024

Rupav was incredibly helpful throughout the entire loan processing. His patience and extensive knowledge were evident, as he never hesitated to address my questions, even if they were repeated. Rupav consistently kept me updated on the loan progress, making the entire process hassle-free. Thanks to Rupav, securing our home loan was a smooth and successful experience. I highly recommend him.

ritu
17 December 2023

Rupav is the best in the business

Gurbaj
21 November 2023

Excellent prompt service. TQ for your guidance and assistance

Sukhdev
29 September 2023

Refinancing guide

If you’re thinking about refinancing, this guide can help you learn more about the refinancing process, benefits and options available.

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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.

Click here for more information on the WA First home Owner Grant.

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