Mortgage Broker Springwood, Blaxland, Hazelbrook, Winmalee, Glenmore Park, Cranebrook, Jordan Springs, including all Western Sydney suburbs and all Greater Blue Mountains suburbs.

Call: 0493 141 776

Need help with your finances? Talk to Mortgage Choice broker Andy Manuel in Springwood for help with home loans, car loans, business lending, and more.

Call Us Mortgage Choice Springwood
Office - 0493 141 776

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Mortgage Choice Andy Manuel, Springwood NSW 2777

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How can a Mortgage Choice Broker help you?

Unlike a broker, your current lender only has access to their own products and as such, they bring a limited amount of choice to the table. With us, that's not the case.

We will compare your loan against hundreds of others to not only find you the most competitive option but the home loan with the features you need. Many think a Mortgage Broker is just there to get you the right home loan, but we are so much more than that. Our team can help you with:

Explain your borrowing power
Let you know how much deposit you need
Explain your purchase costs
Calculate your loan repayments
Arrange pre-approval

If you would like to chat with a Mortgage Broker in Springwood and Greater Blue Mountains region then get in touch with Andy Manuel on 0493 141 776.

Find out how much you can borrow!

Before you start shopping around for a home or investment property, it’s a good idea to learn what your borrowing power is. In other words, how much you can afford to borrow. Factors such as your assets, income, debts and liabilities will all be considered by a lender to determine your borrowing power.

To find out your borrowing power, you can use our online calculator.

Find out how much you can borrow

Book a home loan appointment by calling Mortgage Broker Andy Manuel on 0493 141 776.

We can also help you with:

Entering the Springwood or Greater Blue Mountains region property market!

If you're looking at getting into the property market, it's important to check that you're ready. Once you’ve worked out how much you can afford to borrow and repay, saved your deposit, factored in all the costs involved, and investigated the home loan that’s right for you, now comes the fun part – buying your home!

But before you jump into it, check out our short video about what you need to prepare for your home loan application.

Step by step guide to purchasing a property

Are you chasing more information about the home loan process? Make sure you check out our property guides. Our property guides provide information that may assist you with your home loan, no matter if it's for your first home or for an investment property.

Download our free resources

To arrange a home loan appointment call Andy Manuel on 0493 141 776.

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

Andy was fantastic work with, super helpful and very patient with us. Andy secured us a reduced home loan rate and answered all our questions, making the process super easy. Thanks Andy

Amy
14 April 2024

It gives me great pleasure in giving a 5 star review to Andy Manuel. I have now purchased two properties with Andy as the mortgage broker and I highly recommend him. He is not only professional but does it with a sense of humour. He knows his stuff and he knows how to relate to people. I just wish he supported a better footy team. Thats probably my only complaint.

Andrew
03 April 2024

We had a great experience buying our first home with the help of Andy. He was super patient with our questions and very responsive. I wouldn't hesitate to recommend his services.

Michael
28 March 2024

We have used Andy's expertise to purchase multiple homes in different states. He helped us buy our first home and unlock the equity in that property to purchase investment properties and larger personal properties. He will do what the banks can't.

A
26 March 2024

Andy is fantastic to deal with and could not be more helpful. Took the stress out of all our loan applications whether it be house loan, car loan, personal loan or refinancing, Andy was there to help us find the best rates and options for our needs.

Lowana
25 March 2024

I cannot recommend Andy Manuel enough He was professional, knowledgeable and incredibly helpful. Communication was excellent through the entire process and he was always there to answer my questions. He worked hard to help me with a fast turn around. Will definitely be using his services in the future.

Mia
25 March 2024

Highly recommend Andy He has been very efficient, informative and helpful Very appreciative of all your help Andy

Amanda
13 March 2024

I had a very positive experience working with Andy. He ensures to explain all options and provide really helpful advice. He is professional, easy to talk to and continually kept me updated throughout the process. I will definitely recommend Andy as a mortgage broker.

Amrita
11 March 2024

Andy was great in holding our hands through the remortgaging process. From talking us through many options in great detail to assisting with printing, all with a personal touch. Highly recommend his services

Merci
22 January 2024

5 stars. Excellent to deal with in every aspect of the process. I doubt I would've been able to get a loan without him. Very highly recommend Andy at Mortgage Choice

Kayce
21 December 2023

Refinancing guide

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

Download now

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You could borrow up to

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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.