Home loan and financial services experts in Kellyville

Mortgage Choice in Kellyville, Servicing Castle Hill, The Ponds, Rouse Hill, Baulkham Hills, West Pennant Hills

Call: 02 9836 3380

Looking for a home loan? Talk to us today, your local Mortgage Choice brokers in Kellyville, NSW. Let us research and compare up to 25 lenders for you!

Call Us Mortgage Choice Glenwood
Office - 02 9836 3380

Open Hours Mortgage Choice Glenwood
Tuesday - Friday 9.00am to 5.30pm.
Free Appointment

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

We've recently been awarded the following:

Mortgage Choice - High Flyers - 2018
State Finalist - Better Business Awards - Customer Service 2015
State Finalist - Mortgage Choice - Business Excellence Award 2014/2015
‘Top 100’ Mortgage Brokers - MPA 2015
National Winner - Mortgage Choice High Flyers - Diversified - 2014
State Finalist - Better Business Awards - Best Customer Service and Satisfaction 2014
'Top 30 Under 30' - Broker of the year awards - Ranked 17 nationally 2012/13
State Finalist - Mortgage Choice - Business Excellence Award 2012/13
National Winner - CEO/GM High Flyers - Mortgage Choice 2012
NSW/ACT Winner - Franchise Council of Australia - 'Excellence in Franchising' 2012
'Top 30 Under 30' - Broker of the year awards - Ranked 6 Nationally 2011/12
Finalist - Australian Mortgage Awards - 'Broker of the year - Insurance (Loan Protection & Life)'
Mortgage Choice - Business Excellence Award 'Single Operator' NSW 2011/12 Q1
Mortgage Choice -Business Excellence Award 'Single Operator' NSW 2011/12 Q4
Mortgage Choice -Business Excellence Award 'Single Operator' NSW 2012/13 Q1

Hi, We're your local Mortgage Choice home loan experts in Kellyville, proudly servicing Sydney's Hills District and beyond. With some of the most experienced and nationally recognised brokers within our company, we have the experience and the industry knowledge behind us to help you secure the loan that's right for you.

Being a great Mortgage Broker is about understanding. Understanding the lending market and most importantly, understanding you, our client.

No matter what your position or what finance you need, we can help. We are advanced within all fields of finance. Talk to us today about

Home Loans
Investment Loans
Commercial loans
Personal Loans
Deposit Bonds
Insurance
Car Loans
Chattel Mortgages
Equipment Finance

We're always willing to go the extra mile. Achieving the right result for you is our success.

We'll review dozens of loans from our panel of lenders, select those most suited to your individual needs and explain your options. We'll also take care of the application and follow it through to settlement. This is what I do, so why not let us do what we do best, and you can focus on all the other exciting aspects of buying or investing in property.

Let's make a time to meet - after just an initial chat, you might be surprised at what options are available to you.

If you're in the area, why not drop in and say hello, we are located at 1/55 Windsor Road, Kellyville. - On the corner of Acres Road and Windsor Road, just down from Kellyville Public School

Looking forward to meeting you,
The team at Mortgage Choice in Kellyville

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

Loans Executive Bianca Long, Nikki Naterwala is a wonderful asset to Mortgage Choice. They took the time to find out about our requirements and then help us choose the right Mortgage Choice services that best benefited my family.
Bianca has helped me make a good choice and we are particularly impressed with the Mortgage Choice team within the KELLYVILLE NSW 2155. MortgageChoice.com.au/bianca.long This team knowledge of their services and ability to match these to our needs certainly made a big difference and compared to other sales people I`ve encountered.

MortgageChoice.com.au/bianca.long KELLYVILLE NSW 2155 was a pleasure to do business with, Bianca Long took a lot of time going through everything with us and I certainly appreciated the help. I tell all my colleagues, networks and friends to use KELLYVILLE NSW 2155.
Thanks Mortgage Choice Kellyville NSW 2155.
D & S Handa, Hassal Grove, NSW
- Refinancer

Bianca and her team have helped my wife and I through 7 loans now and I wouldn’t trust our finances with anyone else. We have never had the simplest of applications but they always found a way and fought hard for us, all the while keeping us informed throughout the whole process. What a team! .
Matthew M, Coal Point, NSW
- Property Investor

It's been a blessing I've used Mortgage Choice for my refinancing. Bianca and the rest of her team are very, very helpful, so approachable and friendly. The processing was so quick and not to mention their service is exemplary! I would highly recommend their service to anyone.
A. Veloso, Glenwood, NSW
- Refinancer

I found Bianca to be extremely professional, very knowledgeable and flexible to our needs. She runs her Mortgage Choice business at a very high level of standard, providing her clients with prompt and extensive information if requested.
I was very satisfied with my experience doing business with her.
She should be applauded for the efficient & professional manner in which she conducts business.
I. Rickwood, Mortlake, NSW
- Upgrader

I have found all my business interaction Bianca and her staff to be outstanding. They work at the highest professional level and have always kept me well informed. I would recommend their service to anyone.
S. Logan, Fletcher, NSW
- Property Investor

I have now used Bianca's franchise on three occasions in respect of my home finance needs. Each time the experience has been an absolute pleasure. My needs have been expertly identified and satisfied and the loan applications managed efficiently and professionally. The level of communication was outstanding and kept me fully informed at all phases of the transaction. I'm a very satisfied customer!
Tim. D, Castlecrag, NSW
- Refinancer

I had the most fantastic experience with the Mortgage Choice team.

It was a hassle free experience which allowed me to focus my time on my property investment strategy without worry too much about the finance approval.

Bianca is a very skilled professional who always presents good financial solutions.
N. Nagatani, Kellyville, NSW
- Property Investor

With the trouble free support, and Bianca and her Team taking the stress out of the process it meant that we could focus on other areas of our lives and have the confidence that our mortgage arrangements were being addressed.

You can be assured that Bianca is across the requirements and will do what it takes to ensure you get the most appropriate product for your mortgage needs.
G Vanderwater, The Ponds, NSW
- Upgrader

Bianca and Abigail are an amazing team. With every property purchase, there are hiccups either in the initial financing stage or the settlement process. Bianca and Abigail were never flustered and knocked over any hurdle, making the property purchase process run smoothly. Communication is the point of difference with this fabulous duo. I knew what was happening at every stage and what was being done to ensure everything remained on track. Thanks ladies. I will be back soon for the next property!! Kind regards, Wade Rutledge
C & W Rutledge, Kellyville, NSW
- Property Investor

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.

Download now

Eguide First Home Buyer New Cover 255X360

Help me calculate

More calculators

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

Need help with your next home purchase?

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.

State / Territorial Revenue Web Sites

View

Mortgage Choice in Kellyville, Servicing Castle Hill, The Ponds, Rouse Hill, Baulkham Hills, West Pennant Hills

Latest home loan interest rates

The right home loan for your needs

Google Reviews

farai Mupedzi

Deborah Geraghty

Ange E

Fiona Eaton

property invests group

Steve Oliver

Steph Jacka

Sonya Beers

Matt Mors

Amir Jahanmahin

Nathan N

K W

Jean-louise MacGregor

Lara Dikha

Nick

Jay Lee

Kael Heindl

Marcus & Reem Reid (and Reem Reid)

Gayathiri Prem Kumar

D. K.

Robyn Geelen

Bassilious Gad

Leanne Heriot

Trudi Read

meng zhao

Shahin Behnam