Home loan & financial services experts in Blacktown

Your mortgage broker & home loan specialist team for Blacktown, Quakers Hill & the surrounding areas

Call: 0413 041 457

Mortgage Choice in Blacktown offers an experienced & professional mortgage broking service across the Greater & Western Sydney area.

For expert help with your finances, book your free, no-obligation appointment today.

Call Us
Mobile - 0413 041 457
Office - 02 8814 8266
Fax - 02 8814 8277

Open Hours
Monday - Friday 8.30am - 5.30pm
Saturday & Sundays by appointment
Free Appointment

Address

1/76 Sunnyholt Road BLACKTOWN, NSW 2148

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Your local mortgage broker team, providing finance expertise to Blacktown & across Sydney

Our Blacktown mortgage broker experts have extensive knowledge of the credit policies and lending products of all the major lenders and many smaller lenders as well.

Owner and mortgage broker, Guy Lawrence has built his finance knowledge over 25 years in the Banking and Financial Services sector, specifically in mortgage lending.

If you're looking at buying your first home, planning to renovate your current home, relocating, looking to purchase an investment property or simply wanting to refinance to save some money... Guy and his team are here to help you!

Convenience with the benefit of choice

It's simple to get started - book an obligation-free chat to discuss your goals. Our team is always willing to meet at a time and place that suits you.

Our experts will review all of the lending products from our wide panel, including the big banks, to present you with a choice of loans and lending strategies that will be suited to your needs.

We have access to over 20 lenders, including all of the major banks and many smaller lenders who offer tailored products to fit your needs, no matter the challenges you may have faced with approvals in the past.

This video further explains what makes Mortgage Choice in Blacktown different to other mortgage brokers, and why you should come to us first for your lending needs.

Our services

No matter what your financial position is or what type of finance you need, our team can help. We have extensive experience across a broad range of finance products that include:

Home loans
Investment loans
Commercial loans
Personal loans
Deposit bonds
Insurance
Car loans
Leasing & chattel mortgages
Financial planning

Give us a call today to find out how we can assist you. We're certain that you will be pleasantly surprised at how many options are available.

Talk to Mortgage Choice in Blacktown before relocating

If you're considering moving home then you'll need to review your finances. The home loan that you first took out when you purchased your current home loan may have been right for your situation at the time however with so many new products entering the the market all the time, you'll want to make sure your home loan is still working hard for you in the future.

Reassessing your situation will give you peace of mind that you are either doing the right thing by your finances or that you need to make changes.

What's next?

Let us help you with a range of assistance to get you on the path to owning your first or next home sooner. You have nothing to lose since our home loan service comes at no cost to you!

Why don't you...

Book a "Home Loan Health Check" to make sure your rate is the right one for you
Find out if you're eligible for the First Home Owner's Grant
Find out how much you can borrow right now!

Contact us today!

Contact Blacktown mortgage broker, Guy Lawrence today on 0413 041 457 or click 'Contact us' at the top of the screen to send through the best details for us to contact 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. ~

Google Reviews

See all Google reviews

We want to sincerely thank you for all your support, assistance and advice with buying our house. It was a huge learning curve for us and you were a great help! Thank you also for being so patient with all of our questions!
Danielle & Todd, Blacktown, NSW
- First Home Buyer

Excellent customer service. Flexible enough to make appointments late in the evening at home for discussions, which saves a lot of time.
They have the best products from a wide range of lenders on offer with recommendations to help choose the appropriate one.
Sundar Sarma, Blacktown , NSW
- Refinancer

Mortgage Choice Blacktown really helped us choose the loan that was right for us. It was great dealing with the one person throughout the whole process
Sheree & Warren Dowling, Blacktown, NSW
- First Home Buyer

Mortgage Choice Blacktown gave us professional and friendly advice throughout the time we worked with them on the purchase of our property.
They were always responsive to our needs and flexible with our busy schedules.
We would recommend them to anyone looking to purchase a property.
Michelle Chaperon, Blacktown, NSW
- Refinancer

We were so pleased with the service provided from Guy, once again. He made the application process effortless and we were kept up to date with all that was happening. Thanks again Guy!
DN, Northmead, NSW
- Upgrader

The manner you provide the advice, anyone can understand it. I wish I had met you 20 years ago, your in depth knowledge of the industry has opened my eyes. You are a fantastic person to deal with!!!!
V Singh, Kellyville Ridge, NSW
- Property Investor

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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.

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Your mortgage broker & home loan specialist team for Blacktown, Quakers Hill & the surrounding areas

Blacktown

Latest home loan interest rates

Your local mortgage broker team, providing finance expertise to Blacktown & across Sydney

Convenience with the benefit of choice

Our services

Talk to Mortgage Choice in Blacktown before relocating

What's next?

Contact us today!

The right home loan for your needs

Google Reviews

Tara Debono

Lisas CCakes

janakajj

Scott Taylor

Emmanuel Grima

Jessica Halcrow