Greg Gauci, Mortgage Broker Bass Hill, NSW

Mortgage Choice in the Bankstown Region

Call: 02 9786 8646

Looking for a home loan? Talk to Greg Gauci, your local Mortgage Choice broker from Bass Hill, NSW. Let us research and compare up to 20 lenders for you.

Call Us
Office - 02 9786 8646
Fax - 02 9786 8645

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

Address

PO Box 7075, Bass Hill Plaza BASS HILL, NSW 2197

Book an appointment with Greg Gauci

As a local home owner, I understand that buying a home is an important decision, and as a Mortgage Broker, I understand that finding the right loan is equally as important. Hi, I'm Greg Gauci, your Mortgage Choice Mortgage Broker for the Bankstown region.

When I'm out socially and someone asks me what I do, I'm proud to tell them I'm a Mortgage Choice Mortgage Broker. Helping people achieve their property goals is wonderfully rewarding and I'm always happy to talk about it. So I thought here on my page I'd run through some of the common questions people ask me.

What does it cost to use a Mortgage Broker?

There is no charge for our home loanservice as the lenders pay us rather than the client. At Mortgage Choice, the only thing that matters to us is the home loan that’s right for you. As a Mortgage Choice broker, I get paid the same rate regardless of which home loan you choose from our wide choice of lenders.

Are Mortgage Brokers aligned with a particular lender?

When we review loans for a client, we review loans from the broadest range of lenders including the banks.

How does the service work?

The process is straight-forward:

An initial consultation gives me an insight into the client's lending needs, expectations and property goals.
I take that understanding and assess it against a suite of loan products form a range of lenders.
I present the client with loan options and answer questions to help them make the decision on which loan is right for them.
The loan is then managed and monitored from electronic submission through to settlement to ensure a timely turn-around.

How do people make the right loan choice?

The service itself is designed to make a very important decision as simple as possible for the client. We assist by providing clear, accurate information about the loan products most suited to the client's needs and answering all client queries relating to the intricate details, outcomes and variations of the loan.

Are there other services you provide?

Yes, together with home loans, I can help with:

Investment property and strategy
Mortgage protection insurance
Building and contents insurance

How do people choose one Mortgage Broker over another?

Obviously experience counts. I've been a professional Mortgage Broker for more than 5 years, with a history in finance prior to that. It also makes sense to use a Broker with the backing and resources of Mortgage Choice.

Then it comes down to rapport. You want someone who understands you and your property goals. Someone willing to do the leg work and follow up with the lenders to keep things moving. You also need someone you can call to answer any question, even when that question pops into your head at 8.30pm at night.

I have countless glowing reference letters from clients past and present who have asked me these same questions and went on to use my expertise and experience to help them buy their dream home. I do hope you can be one of them.

Give me a call or click on the link, I look forward to meeting you.

Greg Gauci

*This information refers only to loans provided by our panel of up to 20 lenders with whom Mortgage Choice has an arrangement, under which it receives commissions and other payments.

What's next?

Book an appointment
Book a Home Loan Health Check
Which home loan would suit you?

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. ~

Pam & I thank you very much for all the patience and all your help, through the ordeal of purchasing our home at Liverpool. All our questions and a mountain of calls to you at all sorts of hours of the day and evenings and you replied so promptly. We will highly recommend your professional services to family, friends and acquaintances. If we decide to purchase another home or investment property, we definitely will be using your services again.
Pam & Dave, Liverpool, NSW
- Upgrader

Greg was always happy to answer any calls and questions relating to our refinance needs. I would highly recommend him to anyone. A pleasure to deal with
Graham, Bass Hill, NSW
- Refinancer

If it wasn't for your knowledge and help I wouldn't have been able to achieve owning my own home
Nicole, Lake Haven, NSW
- First Home Buyer

When all else failed, you were able to give me hope and more importantly a home loan, and now a place I can call home. Thank you
Jesse, Georges Hall, NSW
- First Home Buyer

I'd just like to say thank you for all your guidance and assistance through this whole process. I believe I speak for my parents as well, that going through this first home purchase would have been a lot more stressful and difficult had we not enlisted your services and for that we're really grateful. Thank you for being prompt and reliable with answering all the queries we had and also for negotiating a great rate for me as well. It was great doing business with you and we will definitely contact you if we require any advice/services in the future!
Liann, Yagoona, NSW
- First Home Buyer

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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 Melbourne. Or you can receive a FHOG of $20,000 if you buy/build a new home in regional 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

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Mortgage Choice in the Bankstown Region

Book an appointment with Greg Gauci

The right home loan for your needs

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2nd Applicant

Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

State / Territorial Revenue Web Sites

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