Mortgage Choice broker & loan expert | Blacktown, Glenwood, Mt Druitt, Marsden Park & surrounds

Call: 0426 669 751

With access to hundreds of home loans from a panel of over 20 lenders, Gurminder Kaur from Mortgage Choice could help you save money on your home loan, at no cost to you. Book your free no-obligation appointment today!

Call Us Mortgage Choice Marsden Park
Office - 0426 669 751

Open Hours Mortgage Choice Marsden Park
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
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Servicing Blacktown, Glenwood, Rooty Hill, Plumpton and Mt Druitt

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Start your home loan journey today

Here to help you reach your financial goals.

Your home loan will have a long lasting affect on your finances and goals, which is why it's important to get it right. I am passionate about helping my customers find the right home loan with a great low rate and features.

Myself and my team take great pride in going the extra mile for customers, and are available to help you every step of the way. Whether you’re a seasoned property owner, an investor, or a first home buyer, our team are committed to helping you realise your financial goals.

Home loan advice for all Australians

Simple & transparent financial advice should be available to every Australian, so everyone has the chance to own their home and reach their financial goals. I am committed to ensuring that we find the right home loan for people from any background.

If you are new to Australia or if you have no knowledge on how the home loan process works, my Mortgage Choice team in Blacktown & Glenwood are here to talk you through it every step of the way.

My team can help with a range of services including home loans, first home loans, commercial loans, business equipment finance, car loans, car sourcing, refinancing & more!

We have more than 20 lenders on our panel

With a panel of more than 20 lenders, I have access to hundreds of loans and can help find the option that’s right for you. Our panel of lenders includes both Australia’s big banks and a curated selection of specialist lenders, giving you the opportunity to select from a diverse range of competitive loans.

But don't worry. You won't have to do any of the research! As a mortgage specialist, I will compare hundreds of home loans against your mortgage wish-list to find you a selection of loans to suit. Together, we'll chat through your budget, repayments, stamp duty and more, while strategising on how to get your money stretching further.

We can do the leg work for you

Our Mortgage Choice team in Blacktown & Glenwood can take the stress out of buying a new property. We will help you to complete the required loan application paperwork, and manage the process with your lender right through to settlement.

We will let you know how your application is progressing, right through to settlement. As your mortgage specialist, I will also let you know when it's time to review your home loan and refinance to a lower rate.

I'm here to help with your home loan

If you would like to get started on your home loan journey, I am here to help! I am committed to finding you the best home loan deal and making it as easy as possible for you.

Contact me today on 0426 669 751 for a confidential discussion about your next property steps.

_{I service the areas of: Seven Hills, Blacktown, Plumpton, Schofields, Quakers Hill, Riverstone, Rooty Hill, Doonside, Glenwood, Mount Druitt, Marsden Park and surrounds.}

We have your best interests at heart

The good news is there is no charge to you for my home loan service. No hidden fees, no hidden agendas. Our service is paid for as a commission payment from your chosen lender after your home loan settles.

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

When searching for a home loan you need to be able to rely on someone you can trust to be able to present all the options available and give you the right information to make the right decisions. Gurminder kaur from Mortgage choice is able to do all of this and more. She was able to answer the myriad of questions and provide guidance to best products and solutions to help us save money and pay off... read more

Jasbir
05 September 2023

Gurminder from mortgage choice is very professional and helps me lot during my finance process.
Thanks

ankush
03 September 2023

Thank you for getting us the best mortgage rate and various options . We have recommended you to friends.

Malwinder
24 August 2023

Gurminder ji was really helpful and quick. Very professional, prompt response on getting our loan approval within 2 days. Highly recommend such hard working Mortgage broker.

amit
23 August 2023

I recommend Gurminder at Mortgage choice as an exceptional mortgage broker in our surroundings. I appreciate her expertise and willingness to help us reach our goals. The dedication and commitment towards the client's requirement make her unique in the industry and invaluable.

ramya
23 August 2023

you are the best and we will have no hesitation in recommending you to anyone thats looking for a mortgage broker. Thank you .

raj
23 August 2023

Excellent Professional services. Highly Recommended. she made loan process very easy for us to understand and approved within 2 weeks.
Thanks Regards
Roshan S

Roshan
23 August 2023

Gurminder Kaur is highly professional and skilled mortgage broker which I'd recomend to everyone. I would like to thanks Gurminder for her service, she provided and made possible for me to buy my first home. Gurminder has been very helpful throughout the whole process and get my loan approved in just two days without any issues. She was always open to answer my questions.

syed
19 May 2022

Gurminder is professional and works through the application step by step with the client. She explains the home loan process in detail and always proactively provides updates. Highly recommend her financial services.

Sowbarnika
17 November 2021

Very professional and friendly. Keeps u updated throughout the process and can be reached anytime.

Navjeet
18 July 2021

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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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.