Your Local Mortgage Broker for the Kings Langley area and its surrounding region with 21 Years of Home Loan Experience

Call: 0411 871 917

Looking for a home loan? Talk to Irene Cujko, your local Mortgage Choice broker from Kings Langley, NSW. Let us research and compare more than 20 lenders for you

Call Us Mortgage Choice North Richmond
Mobile - 0411 871 917
Office - 02 9674 8014

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

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Servicing Kings Langley, Blacktown, Box Hill, Prospect, Quakers Hill, Hawkesbury and surrounds

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Start your home loan journey today

Hi, I'm Irene Cujko, your Mortgage Choice Mortgage Broker for the Kings Langley area as well as Blacktown and its surrounding region.

As your Mortgage Broker in the Kings Landgley area, Irene and her team will let you know just how you stand in terms of borrowing options, leaving you free to focus on selling your current home and choosing your next property.

Irene can offer appointments to you at the time and place that’s convenient for you, including after work hours or on weekends, just get in touch with her to organise a suitable time.

Contact Irene today!

It pays to talk to a home loan expert

Using a mortgage broker can help you take the time and hassle out of shopping around for the right home loan. There's no hiding the fact that finding finance is a complex and time consuming process - that's why it pays to talk to home loan experts - such as our team.

As your mortgage brokers in Kings Langley, we are able to help you in your home loan journey by guiding you through the entire process with expert advice. Together with my team of Mortgage Angels, we have helped thousands of families across the Western Suburbs with their financial needs, and we'd like to help you too - you'll be surprised just how easy we make it.

If you're ready to purchase a property or refinance your existing loan, give our team a call, and we'll discuss your options.

Contact our Mortgage Angels today!

House deposits, how much do you need?

Well, having a 20% deposit is great, but let’s be real, saving a 20% deposit can be hard, especially in today's environment where property prices are high, the cost of living is high and wages in comparison are significantly low.

It's important to know there are plenty of options available to you, and when you visit us, we search hundreds of loan options from a variety of lenders - not just one! This means it gives you a higher chance of securing the finance solution that is right for you! To understand more about this, watch our short video below.

Free Property Resources

If you're wanting to continue your research before getting in touch with our Mortgage Broker in Kings Langley, then feel free to check out some of our free resources.

Our team of Mortgage Angels can help you:

Refinance your home loan
Secure an investment loan
Find a loan for your first property
Secure a loan for a property in Strathfield
Find a loan for a property in Croydon
Secure a loan for a property in Burwood and
Find a loan for a property in the Hawkesbury region

Why should you choose our team? | Mortgage Brokers for the Kings Langley

Irene and The Mortgage Angels
Winner: Broker of the Year Insurance Award (Mortgage Protection & Life) " Australian Mortgage Awards (AMA)

The team and I are passionate about what we do. Assisting people to find a lending solution that helps them secure their dream home or a positive financial future is a role that we cherish and one we take very seriously. We're Mortgage Broking professionals, and we're here for you.

We also have the best 'Office Manager' in Australia (always available for a BIG cuddle)

Our Process

Following an initial chat about your property goals, we'll analyse loans from a range of lenders and present you with clear information about your options. We'll take you through each option, answer your questions and provide the expert guidance and all the personalised support you need to make the decision.

Our team of mortgage brokers will take care of all the details and keep you informed every step of the way. From submission of the loan application to managing the approval process right through to settlement, you don't need to lift a finger "we dot the i's and cross the t's to ensure the smoothest and simplest experience for you".

It's no wonder many of our clients call the team their Mortgage Angels.

We look forward to helping you with your home loan journey. For any questions, call our team on 02 9674 8014.

Our office services: Kings Langley, Seven Hills, Kings Park, Blacktown, Prospect, Arndell Park, Marayong, Dean Park, Quakers Hill, Glendenning, Vineyard, Oakville, Riverstone, Hassall Grove, Plumpton, Oakhurst, Schofields, Box Hill, Maraylya, Berkshire Park, Rooty Hill, Doonside, Woodcroft, Glenwood, Parklea, Stanhope Gardens, Glenwood, Shalvey, Whalan, Dharruk, Minchinbury, Lethbridge Park, Mount Druitt and Hebersham to name just a few!

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

We have just purchased our first investment property with fantastic support from Irene and her team. Even with a short settlement over the Christmas break, Irene was able to achieve full approval and settlement in a very short timeframe with no issues at all. Irene is also very personable, making the process as pleasant as possible. I highly recommend her and her team

Mitchell
01 February 2024

Irene and her team of Mortgage Angels are amazing. I couldn't have made it through purchasing my first investment property without them. Highly recommend.

TANYA
10 January 2024

If you're looking for complete trust, support, and a team going above and beyond, who have your best interests at heart, then look no further than Irene, Serge, Shubha and Karen. We'll be lifelong clients for sure.

Mark
18 December 2023

Outstanding levels of knowledge, commitment, and care. I have so much trust in Irene and her team to help guide us through such large life decisions.

Drew
05 December 2023

It was a journey for my partner and I, after being lied to and ghosted by mortgage brokers, we stumbled across Irene and her amazing team They have been very polite and welcoming from the start. Helped us realise things we didnt even know we could do It was a learning experience throughout. They were very detail oriented from the beginning and ensured they explained everything to us throughout the whol... read more

Azra
23 October 2023

Irene Cujko and her exceptional team at Mortgage Choice have been an integral part of our financial journey for the past 20 years. Their unwavering dedication, expert guidance, and personalised service have consistently exceeded our expectations, making them our go-to choice for all our mortgage needs.

Irene's deep knowledge of the mortgage industry, combined with her genuine care for her clients, se... read more

Murray
11 August 2023

Irene and Shubha are amazing and such a pleasure to work with. They are incredibly professional, trustworthy, knowledgeable, supportive and caring. Very thorough and efficient, they made the process of getting our first home loan seamless and easy.

We started as complete newbies and they held our hands, answered our panic calls and went above and beyond to support us patiently through the process. I c... read more

Diana
03 July 2023

We have used Irene and her team three times now and blown away from their efficiency and enthusiasm in working with us and our needs. We even got this quirky card in the mail to congratulate us. Was a great surprise with that personal touch... it also gave us a good laugh

heather
28 June 2023

Irene and her Team ensured my mortgage application process and approval was handled smoothly and without issue, allowing me more time to focus on finding my 'forever' home. Highly recommended, they addressed my concerns and didn't push for business.

Bruce
28 June 2023

Serge was incredibly accommodating and helpful throughout the entire process. Made it as clear and painless as possible, while ensuring he got us the best mortgage to suit our circumstances. Cannot recommend him and Mortgage Choice enough

Kendrea
21 June 2023

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.

Click here for more information on the WA First home Owner Grant.

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