Warren Williams

Your local Mortgage Broker. Specialising in Home Loans, Refinances and Property Investment.

We specialise in residential home loans, investing in property and wealth creation strategies. We provide an all-encompassing service with the best business partners able to assist. Our team is ready to help you – book a free appointment now.

Call Us Mortgage Choice Westleigh
Office - 0411 792 591

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

Address

Suite 6, 4-8 Eucalyptus Drive WESTLEIGH, NSW 2120

Latest home loan interest rates

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Wealth Creation and Home Loan Experts

Are you considering:

buying your first house
upgrading to your dream home
creating wealth through investment property

Not sure if you’ve got the best deal or just needs some free advice? Don’t hesitate to check in with our team to see how we can assist. We pride ourselves on putting you first and will give you honest feedback and keep you informed along our journey in an open and transparent manner.

We spend time with you to understand your financial objectives and work with our business partners to help you achieve your goals. We continue to provide ongoing services and assistance post settlement and for the entire duration of your financial journey.

As active local members of our community, we provide support to local community events and sporting groups.

Please feel free to call us today to have a chat or discuss your needs. We understand your busy life and are available to visit you at a time convenient to you. We service all suburbs in North Western Sydney and Upper North Shore and will visit our customers even if you're outside of these areas.

We provide a full range of financial services:

Wealth Creation
First Home Buyers
Home Loans
Bridging Finance
Refinancing Existing Home Loans
Investment Property Solutions
Debt Consolidation
Car Loans
Car Buying Service
Personal Loans
Commercial or Business Finance
Equipment Finance

Services are at no charge to you as the lenders pay Mortgage Choice.

Why Choose Us?

We understand you’re busy!

We work around your busy schedule and make ourselves available to you at a time and place convenient to you.

We listen to you!

We take the time to listen to you and understand your objectives. Having listened to your objectives, we then provide impartial advice on how to achieve your objectives or whether there are other alternatives.

We are highly skilled!

We have 30 years of financial services experience working in senior positions with some of Australia’s leading financial services providers. We utilise this skill, knowledge and experience to ensure you get the best outcome and achieve your goals.

We do the work for you – at no charge to you!

There are lots of good lenders out there however finding the one that best suits your circumstances and offers you a highly competitive rate is hard to find. We have the tools to analyse over 20+ lenders and products to find the right loan options for you.

We continue to make the home loan process as hassle free as possible by preparing and submitting the loan application on your behalf. We’ll keep you up to date with the progress of the application and will walk you through your loan contracts.

Our support continues post-settlement and we’ll make sure your loan continues to meet your needs.

We go the extra mile!

The world of financial services is complicated and often involves lots of people. We pride ourselves on “making things happen” and work closely with our business partners to ensure the best possible experience for you.

We’re just like you!

We’re locals and chances are we’ve been through what you are going through. We’ve bought our first house, with upgraded and we’ve been fortunate enough to invest in property. We have a young family and maintain a strong involvement in the local community through sporting groups and community events. We understand you and life’s little challenges and enjoy helping deliver great outcomes for our customers.

Start achieving your goals today

For your obligation free consultation or to kick off your home loan journey:

schedule your appointment here
call us on 0411 792 591, or
email warren.williams@mortgagechoice.com.au

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

Warren is incredibly professional and diligent. He provided a range of advice on all matters financial and was flexible in meeting our changing needs. He has a deep knowledge of the mortgage scene and always gave us options to choose from when finalising an institution to borrow from. I cannot recommend Warren highly enough.

David
18 March 2024

Warren is a professional and a pleasure to deal with, you will not be disappointed. From the start to the end he knew what he was talking about and made the process painless and smooth, thank you Warren

Mr
23 January 2024

Very efficient and knows exactly how best to secure a loan as quickly as possible.

Bec
06 December 2023

Warren helped us immensely to secure a loan. He was patient and made himself available after hours to meet and discuss our needs. Highly recommend

Sam
09 May 2023

Having Warren by our side during this process was amazing. He walked us through our options and helped us read all of the fine print. Warren was fantastic from start to finish. We cannot recommend him enough. We will be long term customers.

Joanna
19 April 2023

Warren has been a pleasure to deal with all through the process of refinancing my home loan. I would highly recommend if you are looking to get a home loan or refinancing.

Paul
09 April 2023

Warren was brilliant helping us on a tight deadline. Really patient with our questions, he has a very broad and deep knowledge of the field. We were very happy with the outcome and how he kept on top of everything throughout the process.

Sean
22 January 2023

Warren took the time to carefully find out about our situation, recommending products that suited us perfectly, allowing us to achieve our goals.

Despite our circumstances being unique he was able to secure for us a much lower interest rate so we can save money on our home loan.

When it came time to buy our next property, he was there each step making preparations and guiding us. Due to this we... read more

Alan Heywood
29 June 2022

Warren took the time to carefully find out about our situation, recommending products that suited us perfectly, allowing us to achieve our goals.
Despite our circumstances being unique he was able to secure for us a much lower interest rate so we can save money on our home loan.
When it came time to buy our next property, he was there each step making preparations and guiding us. Due to this we wer... read more

Alan
18 June 2022

After working with Warren on our first home loan, we really wont consider anyone else Warren has a wealth of knowledge on the industry and really helped in guiding us through each of our options, and processes of our home loan settlement. Warrens advice and patience was so appreciated, we really felt that we could call and rely on him at all times if we had any queries. Thanks Warren for helping us get our foot in the door - we cant wait to work with you again in the future

Anja
19 May 2022

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

Download now

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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.

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.

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