Alex Chhor Mortgage Broker in Berala, Lidcombe, Strathfield & surrounds

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Call: 0433 168 168

Alex Chhor has the expertise and resources to help you find a loan that meets your needs – now and into the future. He provides insightful advice to support your decision-making, and will continue to work with you post-settlement to ensure your loan adapts as your life circumstances change.

He provides a mobile service in the suburbs surrounding Berala.

Call Us Mortgage Choice Berala
Office - 0433 168 168

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

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Services

Alex’s honesty and integrity are underpinned by a strong focus on personalised service, and a commitment to developing a tailored lending solution that will form the foundation of your successful future.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Reverse mortgages (Referred to third party)
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loansInsurance (third party referrals)
SMSF loans
Loan protection insurance
Building/construction loans

Other areas I service

From trusted advice to post-settlement check-ins, Alex offers professional support at every stage of your lending journey. He is based in Berala, and provides a mobile service across the surrounding metro area including but not limited to:

Berala
Lidcombe
Strathfield
Bankstown
Regents Park
Homebush
Auburn
Sefton
Chester Hill
Yagoona
Potts Hill
Newington
Greenacre
Granville

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Berala, Lidcombe, Strathfield and surrounds 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 me to discuss your unique circumstances

Ready to kickstart your journey to home ownership?

We’ll assist you along the way and do all the legwork for you! Call me today on 0433 168 168

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

Alex Chhor, a mortgage broker at Mortgage Choice, surpassed all expectations with his exceptional service. From the outset, Alex demonstrated a keen understanding of my unique requirements, taking the time to delve into my financial situation and preferences. His thorough approach instilled confidence that he was committed to finding the perfect loan for me.

Throughout the process, Alex's communication... read more

sanjeev
13 April 2024

Excellent service, professional and would highly recommended to anyone.

I went to Alex at Mortgage choice to help with my first home loan. He has help me narrow my choices of home loans from various vendors to a few that best suited my needs. He is an excellent communicator, and ensured that I understood what was happening at each stage as well as what the differences were between each lender. He is ve... read more

Jason
06 February 2024

Very much appreciated Alex help from the beginning till end of whole process. He is dedicated and helpful to us for the refinancing and finding the lender to suit our needs. Highly recommended to our family and friends.

02 July 2023

Alex is very professional and knowledgeable. He was always available when needed and promptly returned emails or calls.Alex presented different scenarios with loan options and explained those options to us for better understanding.Would highly recommend Alex.

03 June 2023

I had a wonderful experience working with Alex to help find me the best home loan. As a first time property owner, he was very transparent and was easy to communicate with. Alex alleviated a lot of the questions and concerns I had and I was very pleased with the service he provided. Would highly recommend Alex for anyone thinking of getting a loan

26 March 2023

First class professionalism Alex was an excellent communicator and ensured that I clearly understood what was happening at each stage of the entire refinancing process in a concise, easy-to-understand manner. I also would like to acknowledge that he had a strong sense of urgency which was highly valued in a case where time was of the utmost essence.

Philip
05 March 2023

Excellent service, professional and would highly recommended to anyone.

I went to Alex at Mortgage choice to help with my investment loans and refinance my others loan. He has provided me with the best deals and delivered an amazing loan package for me.

Alex was very professional, friendly and available from start to finish. He was extremely helpful, ensuring I had a clear understanding of what was ha... read more

Anna
09 February 2023

We had a very pleasing experience. We live out in the rural country side and Alex provided convenience, fantastic communications, and found products that met our needs. Everything was explained in details and clear in the comfort of our home. No questions was a stupid question. Everything happened in good timing. Much appreciated.

Veronica
09 December 2022

Alex was amazing throughout the entire process, he was very proactive and not only kept us up to date with everything but also gave advice on how to proceed when we weren't sure.

Highly recommend him and wish him all the best!

Natthan
20 October 2022

Alex was very helpful, always following up and making sure we are happy. Didn’t matter what day or time he was always willing to help.

Gerhardus
02 September 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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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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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.