Mortgage Broker & Home Loans in Richmond & Windsor

Your local Hawkesbury mobile Mortgage Broker offering Expert home loan advice and award-winning service.

Call: 0411 550 600

Andrew Heath - Your Local Broker for Richmond, Windsor and the Hawkesbury with over 18 years experience. Get in touch today for help with home loans, car loans, business lending, financial advice and more.

Call Us Mortgage Choice Richmond
Mobile - 0411 550 600
Office - 02 4578 9904

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

Address

Shop 1/37 Lennox Street RICHMOND, NSW 2753

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Start your home loan journey today

Looking to buy in the picturesque Hawkesbury area?

Buying a home is a big decision and you need a home loan specialist with the skills, experience and local knowledge to help you meet your property goals and achieve your homeownership dreams.

Whether you are looking for a home loan, investment loan or wanting to refinance your existing mortgage arrangements - the team at Mortgage Choice Richmond are your local home loan specialists with the skills to help you get the home loan that suits your needs.

With more than 20 years in the game, Andrew Heath and his team have helped facilitate over $1 billion in borrowings for their clients.

No Cost to you for our Award-Winning service...

At Mortgage Choice there is no charge for our service. We always work in your interest to find you a competitive home loan product to suit your needs from our wide-ranging panel of over 20 lenders.

Areas that we can help you with:

First Home Buyer
Refinance
Investment Loans
Fixed vs Variable Loans
Upgrading to a new home
Self Employed Loans
Renovation loans

We do all the running around

As your Mortgage Broker in Richmond we're not interested in simply getting your home loan and sending you on your way. By working with Mortgage Choice Hawkesbury you are not only helped with every aspect of your mortgage application but we continue to help you past that initial loan approval. We want to make sure you are constantly kept aware of changes in the housing and financing market over the lifespan of your home loan to help you get the most out of your current situation.

Our Clients

Our clients come from all parts of the Hawkesbury Area including Windsor, Richmond, North Richmond, Kurrajong, Bilpin, Windsor Downs, South Windsor, Bligh Park, McGraths Hill, Pitt Town, Cattai, Wilberforce, Glossodia, Freemans Reach, Tennyson, Colo, Ebenezer, Sackville, Wisemans Ferry, Kurmond, Bowen Mountain, Grose Wold, Grose Vale, Londonderry, Clarendon, Kurrajong Heights, The Slopes, East Kurrajong, Comleroy, Blaxlands Ridge, Lower Portland, Lowlands, Agnes Banks, Central MacDonald, Higher MacDonald, Lower MacDonald, Upper MacDonald, Gunderman, Spencer, St Albans, Webbs Creek.

What's next?

Get in touch with us today! We look forward to hearing from you!

Andrew Heath - Principal
M: +61 411 550 600
W: (02) 4578 9904
E: andrew.heath@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. ~

Google Reviews

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Straight forward, truthful, very prompt even with all the changes from real estate agents and owners
Ryan and Leanne, Windsor Area, NSW
- First Home Buyer

Wonderful service, even though we caused a couple of hick-ups along the way. Nothing was too much trouble. You certainly obtained the best interest rate for us - Thank you so much!
Sue and Geoff, Richmond Area, NSW
- Refinancer

The service was exceptional, from the whole team, even after the loan had settled.
David, Kurmond, NSW
- Property Investor

The staff at Mortgage Choice in Richmond were amazing, they gave me the confidence to take out my first laon and I'll be going back when I'm ready for my next. Amily Alford Feb 2013 Windsor Area
Emily, Windsor, NSW
- Property Investor

We would highly recommend Mortgage Choice Richmond. The whole experience exceeded our expectations. The entire staff team were efficient and obliging.
Karlene, Kurrajong, NSW
- Refinancer

Very Happy. You did what others couldn't within a very limited timeframe.
Darren, Windsor Area, NSW
- Refinancer

We have recommended you to our family and friends as we are so happy with your outstanding service. Andrew and the girls were so helpful, it made things so much easier for us, very hassle free.
Adrian and Lyn, Glossodia, NSW
- Refinancer

I was a bit nervous about getting my first home loan but everything has turned out fine and I'm glad I have taken this step!
David (1), Windsor Area, NSW
- First Home Buyer

You took the time to research loans and properties with us, making us feel at ease and that our needs were a priority.
Sean and Melinda, Wilberforce, NSW
- First Home Buyer

I thought this loan would have been much harder to get given Jay's business. Now we are paing a lower rate we might get somewhere! Thank you.
Jay and Belinda, Richmond, NSW
- Refinancer

Everything was quick, easy and simple. Very efficient turn arounds. Working in the Finance Industry myself I always have high expectations - my expectations of service were exceeded!
Lisa Hartley, South Windsor, NSW
- Refinancer

I was very happy with my service. I was dealing with an incompetent couple prior and was recommended by my solicitor to try Mortgage Choice, I couldn't be happier!
Sarah Davis, Woodford, NSW
- Upgrader

Andrew all your team were great. We are going to look at an investment property in the new year and it will be your team we will come back to.
Carol and Mark Ramm, Bligh Park, NSW
- Upgrader

We thought we were too old to get a first home loan but you made it possible
Beth King, Bligh Park, NSW
- First Home Buyer

Very professional and knowledgable - will use you again
Ryan Mitchell, Oyster Bay, NSW
- Upgrader

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.

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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 $176,000 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.

The Territory’s First Home Owner Discount has been in place since 8 February 2019. It lets you save up to a maximum of $18,601 on the cost of stamp duty. The savings is available whether you buy a new or established home as long as the home is 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 $15,000 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 $400,000 or less for your block. Whereas if your first home is valued up to $500,000, you pay zero stamp duty. That’s a saving of $8,750, 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 $505,000, you pay stamp duty of $1,050, a saving of $7,875. These savings cut out altogether if your first home costs $550,000 or more. On a property valued at $550,000, for example, the stamp duty would work out to be $10,600.

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 or build a brand new home. You can choose from a house, apartment, townhouse or villa, but you will only be able to claim the FHOG SA if you pay below $575,000 for your home.

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 $20,000 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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Your local Hawkesbury mobile Mortgage Broker offering Expert home loan advice and award-winning service.

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