Armando and Phillip

Experienced mortgage brokers for Liverpool, Austral, Edmondson Park and the surrounding areas

Call: 02 9601 4333

Looking for South West financial services including home, investment & car loans, refinancing or financial planning?

Armando Iodice & Phillip Stabile are two of the best mortgage brokers in Liverpool. Let them compare over 25 lenders to find you the right home loan - at no cost to you

Call Us Mortgage Choice Liverpool
Office - 02 9601 4333
Fax - 02 9822 7888

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

Address

Suite 9a, Level 1, 138-140 Elizabeth Drive LIVERPOOL, NSW 2170

Latest home loan interest rates

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Choose finance experts to buy property in Austral, Campbelltown & across the Liverpool area

Armando Iodice and Phillip Stabile at Mortgage Choice in Liverpool have over 60 years of combined experience in finance.

By choosing us, you'll receive financial expertise from a team of experts with years of experience across mortgage broking, tax, accounting, business management and more.

Phillip and Armando are passionate about helping clients to achieve their finance goals - whether it's your first property purchase or you have a large investment portfolio. Both Armando and Phillip have lived in the Liverpool area for much of their lives and have extensive knowledge of the local property market. Tap into their local expertise!

The team at Mortgage Choice in Liverpool will assist you with the best southwest financial services for your needs, and their home loan service is always free of charge.

Services we provide

No matter what stage you're at with your finances or purchasing property, we can help you. Call us today for a no-obligation chat.

When it comes to property, we can help with the following and more:

Buying your first home
Upgrading to your next home
Investing in property
Refinancing
Accessing equity in your home
Consolidating debts
Low-doc loans or credit history issues

And beyond home loans, we can help with:

Commercial property loans
Personal loans
Motor vehicle loans/leasing and equipment finance
Deposit bonds
Home & Contents, Landlords insurance
Car insurance

Call our team today on 02 9601 4333 to book an appointment on or click "Contact Us" at the top of the screen so that we can get the details to contact you.

Why choose Mortgage Choice in Liverpool?

Our service is FREE - the home loan service from our expert Liverpool mortgage broker team is at no cost to you

Access to over 20 lenders - Mortgage Choice in Liverpool gives you access to hundreds of home loans from all of the major banks and smaller competitive lenders including building societies and credit unions.

We'll come to you – we can meet at a time and place that works for you - at our two convenient locations in Liverpool and Leichhardt or can come to you.

Let us manage all the legwork - We manage the entire loan process for you. Helping you choose the right lender, lodge the paperwork, contacting your Real Estate Agent, Solicitor, Builder, Accountant and Government agencies for any eligible grants.

We'll save you money – Maximising your borrowing capacity, lowering your repayments and finding you a loan with the lowest interest rate and fee structure possible - this is our goal.

Provide ongoing support – We will continue to add value by providing ongoing support and advice throughout the life of your loan and into the future.

Where can you find us?

Mortgage Choice in Liverpool is conveniently located in close proximity to Liverpool’s CBD on the corner of The Elizabeth Drive and Flowerdale Road.

Visit our listing to access directions on Google.

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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Having dealt with Mortgage Choice Liverpool, we will always cherish the experience.
Armando is a professional and dedicated person you will ever meet.
We had a pleasant time dealing with him for our Home loan and he takes his time to explain to you the nitty gritties of home loans and the best deals available.
We will recommend anyone who wants the best deal on Home loans to visit or contact Mortgage Choice first, and you will never regret the experience. For fast and efficient home loan deals, Armando Iodice of Mortgage Choice Liverpool is the man to see.
Daniel and Annah, Hinchinbrook, NSW
- Refinancer

We would highly recommend Mortgage Choice - Leichhardt and Phillip for all your home loan needs. He listened to our needs and then structured a loan to suit. We were kept in the loop during the process with everything ready at time of settlement. We really didn't have to do much apart from focus on our new purchase. Great service.
Amanda & David, Balmain, NSW
- Upgrader

Dear Armando,
I can never repay you enough, but this is just a small token of my absolute appreciation for everything you did for me in helping me achieve buying my own home. You really went above and beyond, and for this I am truly grateful.
Thank-you again.
Caterina, Liverpool, NSW
- Refinancer

I have had interest in starting my own investment portfolio for quite some time but like most people didn't know if I could get a loan. I made a simple enquiry on the Mortgage Choice website and that’s how I got in touch with my Mortgage Choice broker, Armando.

But I wasn't too keen about meeting with a stranger and going through all my personal financial details. Plus, it just felt like a lot of work so I kept putting it off but Armando’s persistence convinced me that all it took was just one meeting with him to see if this is possible or not. And it was at the first meeting, I began to realise that starting my own investment portfolio is not a dream. It was because Armando took the time to listen and asked good questions to clarify what I wanted to achieve. He showed me that having an investment portfolio is not a distant dream but a possible reality.

During the process of the loan, he was always available to talk and he explained things in layman terms. I felt empowered and well assisted throughout the whole process. He has a good grasp of the nature of property investment so I was convinced that I was in good hands, someone who is not just a mortgage broker but with a wealth of knowledge about investment and most importantly, I was happy with the competitive rates he was able to negotiate with the bank on my behalf.

I believe there has never been a better time to start your own investment portfolio. And the first thing the experts would tell you about investing in properties is to find a good broker who would fight for you, and find the right loan. I believe I have found my choice.
Joseph, Liverpool, NSW
- Property Investor

As a long time client and mortgage holder with one of the Big 4 Banks, I was continually frustrated with the lack of service and customer loyalty shown by my bank back to me as a consumer.

In working with Armando Iodice at Mortgage Choice, I got to see the choices I should have explored years ago that would have saved me years in interest repayments. As an Advisor, he understood my situation, presented me with a variety of options that allowed me to take control of how I managed my own mortgage. In addition, Armando's background in car financing also gave me invaluable insights into car loans and leasing options.

So take back control of your mortgage, use Mortgage Choice to make it happen.
Julie, Clemton Park, NSW
- Refinancer

It all started like this, the day came when we decided it was time to look into borrowing money to buy a house. We heard about Mortgage Choice so we rang them and Armando from Mortgage Choice spoke to us by phone and not long after that he came to our house and spoke to us about borrowing money and to discuss our options. Armando helped us in so many ways, he is very professional and easy to talk to. His communication was excellent and always kept us informed as to
what was happening over the course of time.

As we did not know much about borrowing money and all that goes with it Armando did everything for us, he even came to meet us where we have lunch to discuss matters. Armando is a great person and easy to talk to. He will go out of his way to help you. If you need a good broker then Armanda from mortgage choice is your answer, you will not be sorry. We were very happy and fully recommend Armando from Mortgage Choice in Liverpool.
Noel and Connie, Mount Annan, NSW
- First Home Buyer

Re-financing can be extremely stressful and is often laborious and time consuming. Armando Iodice and the team at Mortgage Choice are not only first class professionals but absolute gentlemen. They made the process painless, engaging and their sensitivity and attention to detail is invaluable. I would recommend them unconditionally.
Adam & Belinda, Prestons, NSW
- Refinancer

We've been working with Armando at Mortgage choice since 2016 and have found him to be an extremely knowledgeable mortgage broker. On countless occasions Armando has gone above and beyond what is expected and has saved us ten's of thousands of dollars in the process. We look forward to working with Armando on our next property purchase.
Luke & Gemma, Goulburn, NSW
- Property Investor

Dear Phillip, Thank you so much for all your efforts. We know that you were one of very few brokers that could have dealt with our complex request. Would have no hesitation in recommending Phillip to our friends, family or colleagues.
Brianna & Darrel, Leichhardt, NSW
- Refinancer

Phillip made the whole process so simple. His calm attitude and explanation throughout the loan process placed us at ease. His guidance in the structure of our new loan was invaluable.
Pina & Jeff, Bonnyrigg Heights, NSW
- Refinancer

This was our first experience in using a Mortgage Broker, previously going through a major lender. From the outset our experience was fantastic, the attention to detail and knowledge of products and loan structures helped to guide us. Above all we were kept in the loop and Phillip was always on hand to answer our constant questions. Happy to recommend Phillip and Mortgage Choice.
Kate & Jeff, Leichhardt, NSW
- First Home Buyer

Dear Armando, After seeing some reviews on internet about you, We have decided to approach you for our home loan. I wasn't sure initially about reviews thinking is it too good to be true? but it didn't take long for me to know, your professionalism, dedication, knowledge and getting the best deal within the circumstances are some of the things that no one can match you. And for anyone who is reading this - you can rely on Armando if you want a trusted advise about your finance needs. Thanks again for fulfilling our dreams and getting best deal
Kamal & Ratnapriya, Airds, NSW
- First Home Buyer

Great Service. The time spent discussing our options, risks and benefits helped guide us to set a realistic expectation on our borrowing capacity and ultimately our new purchase.
Sandro & John, Burwood, NSW
- Property Investor

Excellent service provided by Armando. He constantly kept us updated throughout the whole process, from application through to settlement, and provided us with many options. I highly recommend Mortgage Choice Liverpool.
Jen Cadile, Liverpool, NSW
- First Home Buyer

As a first home buyer, I highly recommend Armando as I received exceptional service from the initial application to settlement. Not only did Armando find the best home loan for me, but he was able to assist me with all my queries every step of the way. As I had very little knowledge in purchasing property, he was able to talk me through every step which helped me tremendously. Armando was always quick to respond to emails and calls... even if it was on the weekend! I will happily continue working with Armando from Liverpool Mortgage Choice in the future.

Diana, Gymea, NSW
- First Home Buyer

Step-by-step guide to home ownership

There are many steps involved in purchasing a property which can vary between residential and investment properties. This guide explains each step in order as well as what is involved at every stage of the purchasing 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 $176,650 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 $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 $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 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 $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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Experienced mortgage brokers for Liverpool, Austral, Edmondson Park and the surrounding areas

Liverpool

Choose finance experts to buy property in Austral, Campbelltown & across the Liverpool area

Services we provide

When it comes to property, we can help with the following and more:

And beyond home loans, we can help with:

Why choose Mortgage Choice in Liverpool?

Where can you find us?

Visit our listing to access directions on Google.

The right home loan for your needs

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