Home & Investment Loan Specialists in Sydney's Inner West

Call: 02 8765 8700

Gary & Ashley, your local Mortgage Choice Brokers in Concord, Sydney's Inner West, have over 20 years' experience. Whether it's a new home or investment loan we help make the process stress free.

With access to over 35 lenders and thousands of different home loans, the team can find a loan that fits your needs.

Call Us Mortgage Choice Concord
Office - 02 8765 8700

Open Hours Mortgage Choice Concord
Monday to Friday
9am to 5pm
After hours by appointment only.
Free Appointment

Address

Suite 106, 43 Majors Bay Rd CONCORD, NSW 2137

Latest home loan interest rates

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A great deal of our business comes by way of referral from our very satisfied existing clients. Contact us today and experience this same high level of service.

We have the experience and expertise to help you find the loan that best suits your needs, whether you're a first home buyer or an investor.
Our office has written thousands of home and investment loans over the past 20+ years
You can rest assured that no matter how complicated or straight forward your situation, we can give you great advice tailored to your individual needs.
Still a little unsure? Check out our Google Reviews below and let our clients convince you!

We offer more than just great home loan advice:

Home loans
Investment loans
Commercial loans
Personal loans and insurance
Car loans and equipment finance

To better understand how we can help you achieve your goal of home ownership or the building of a property portfolio, you simply need to click on the Contact Us link above or call us on 02 8765 8700.

You can find us at:

106/43 Majors Bay Road, Concord NSW 2137

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

Ashley Emily at mortgage choice made the process of getting our mortgage seamless and stress free. They were very knowledgeable and friendly and took all of our worries into account when helping us understand the relatively complex process. Couldnt recommend them highly enough
Jacky
24 October 2023

My wife and I were delighted with the service we received from Mortgage Choice Concord. Emily was in regular contact with us guiding us through the application process. We are really thankful for the support, right from the start understanding out needs and financial position all the way through to getting the final bits of paper work verified.

We could not be happier with the whole process, taking aw... read more
Todd
22 October 2023

We worked with Ashley, who was phenomenal in every aspect of guiding us through our first investment venture into the property market. Ashley was with us every step of the way, and as beginners in investing, the support guidance she provided us was invaluable Ashley goes above and beyond for her clients, was flexible considerate of our own availability was always eager to share her considerable kno... read more
Shannon
06 September 2023

Fantastic team with excellent service. Ashley and Emily did an outstanding job sorting my first mortgage.

Cant recommend them highly enough.
Edward
12 May 2023

Initial conversation with Ashley is good. Already making the process easy.
Uma
03 April 2023

Ash Emily have been great to work with, and guided us throughout the whole process. Would highly recommend for anyone looking for a home loan especially if first home buyers
James
06 March 2023

We have worked with Ashley, Gary and the team. We have been very satisfied with the professional service they provide. They are patient, knowledgeable, friendly and they make you feel like nothing is too much trouble.
It has been a pleasure dealing with them and I happily recommend them.
Jacqui
26 October 2022

Thank you very much to Gary and the Team at Mortgage Choice Concord.

You all did an amazing job with arranging our recent home loan, from initial meeting to settlement you communicated and guided us along the way.

I Highly recommend Mortgage Choice Concord.
Dave
30 September 2022

I received fantastic service from Ashley B who patiently guided me through the whole buying process from finding a bank loan to settlement. Ashley is professional, experienced, and diligently caters her services to each individual. She always went above and beyond, including recommending that I go to a few investment property information sessions - which were really helpful and easy to digest for a fir... read more
Kate
28 September 2022

Ashley helped my partner and I secure a mortgage for our property. She was highly available and showed great knowledge of the current mortgage products and market. I believe she helped secure the best mortgage for our situation. With her high level of support, she made the whole property purchase process less stressful. A special thanks also to Sharon, who was part of the journey Sharon was quick to re... read more
William
17 June 2022

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.

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 $650,000.

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.