Irene Cujko

Your Local Mortgage Broker for the Kings Langley area and its surrounding region with 19 Years of Home Loan Experience

Call: 02 9674 8014

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
Office - 02 9674 8014
Fax - 02 9674 5810

Open Hours Mortgage Choice North Richmond
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
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Servicing Kings Langley, Blacktown, Box Hill, Prospect, Quakers Hill and surrounds

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

There's no hiding the fact that finding finance is a complex and time consuming process - that's why it pays to talk to professionals. Together with my team of Mortgage Angels we have helped thousands of families across the Western Suburbs with their finance needs, and we'd like to help you too - you'll be surprised just how easy we make it.

Give me a call and we'll discuss your options. You might be surprised at just what's available... today's lending market is a lot bigger than what the big four banks can offer you.

Talk to me about:

Home loans for first home buyers
Investment loans
Refinance to a new home loan
Need a new home loan to up grade to a large house

Call me on 02 9674 8014 if you need help with your finances, and are concerned about the current Corona Virus emergency. We are now offering "Virtual Meetings" so you do not need to leave the comfort of your home*.

Please reach out to us by phone or use the "contact us" button at the top of the page.

* Conditions apply.

If you want to read more, here's a little more background on us:

With a background as a Bank Manager and now with more than 19 years' experience as a Mortgage Broker, you can be confident that no matter your position on the property ladder, whether first home buyer, long term investor or looking to refinance, I can help you with all your finance and insurance needs, and we can get started with a simple, obligation free chat.

The team and I are passionate about what we do. Assisting people find lending products that help them secure financial futures for themselves and their loved ones is a role we cherish, and one we take very seriously. We're Mortgage Broking professionals and we're here for you.

Following an initial chat about your property goals, we'll analyse loans from a range of lenders and present you with clear information about the available loans. We'll explain the options, answer your questions and provide the expert guidance and all the personalised support you need to help you make the decision that's right for you.

With a loan chosen, my team will take care of all the details and keep you fully informed every step of the way. From submission of the loan application, 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'. They really do!

Providing the highest level of personalised service coupled with an in-depth understanding of the lending market is what sees clients return to us, and it's what sees clients referring us to family and friends.

We look forward to welcoming you to our offices in Kings Langley.

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

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. ~

Google Reviews

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Irene and her staff make the 'Mortgage Choice' easy. They are quick and professional and get the job done without wasting my time. Throughout the process I was kept well informed and if I had any questions or queries the answers were just a phone call away. I have already recommended Irene and her staff to my friends and family and would not hesitate in recommending her to anyone.
A Bryant, Kings Langley, NSW
- Upgrader

The level of service, attention to problems, and advice is rare in this day and age. It takes us back to another era when such personal service, beyond the immediate requirements was more common. Thank you, Irene Cujko.
D Heubel, Kings Langley, NSW
- Property Investor

Irene, you and your team are fantastic. We loved that Mortgage Choice kept in regular contact and kept us updated. Customer service is A1. We are happy with the product and achieved our desired outcome. All our friends know we used you.
C Murray, Kings Langley, NSW
- Property Investor

All staff were extremely pleasant, helpful and knowledgeable about their products and roles. I have already recommended friends to your service. You all made the process less stressful. Thank you
J Wheeler and J Chow, Kings Langley, NSW
- Property Investor

It has always been our dream to get onto our own acreage. When we learnt that where we had the kids (horses) was going to be further developed into small house blocks we approached Irene for help. She calmly helped in 3 separate applications to finally secure a home where all our 4 legged kids could be at home in one location. When we unexpectedly had to change our purchase property 4 weeks into settlement and renegotiate loans and valuations on a different rural property with mortgage insurance. She took it all in her stride, contacting banking managers and pushing through a brand new application with little over a week to match up with our sale date. She went above and beyond what could be hoped in locking everything down and getting paperwork drawn up. I wouldn't hesitate in recommending Irene and will certainly contact her when we need to renegotiate loans even if it means traveling now to see her !
A Tomlinson, Kings Langley, NSW
- Upgrader

In terms of services provided 12 out of 10. Why 12? This team will go the extra mile to provide excellent services. From Irene to Serge and Shubha my angel they were all superb at what they do. This team made everything so easy. I will not hesitate to recommend the team to anyone. thank you for making our dream to own a house come true. Without your help this would have very difficult for Evelyn and I. So we wish you all more power and may you continue to make peoples dream come true. Thank you Eddie and Evelyn.
E and E Fabian., Kings Langley, NSW
- First Home Buyer

Dear Irene and Shubha,

THANK YOU!!!

All your support and help in organizing my home purchase has been wonderful.

Wishing you a fantastic 2014

Sue Wilson
S Wilson, Kings Langley, NSW
- Upgrader

Every transaction that we have with Irene and the staff at Mortgage Choice Kings Langley, is always quick, easy and convenient. My wife and I are always impressed with the service and the plain English explanations of financial processes which can be very complex.
P and M Derwent, Kings Langley, NSW
- Refinancer

Hi Shubha,

That is great news and thank you for your assistance in getting this done. Please pass on our thanks to Irene, she's been fantastic in servicing us and we really feel grateful for her efforts.

We have no qualms in recommending friends and family as well as work colleagues to your office. The dedication and professionalism shown is second to none!

Thanks again, and if I have any queries with regards to the loan I will be in contact.
Leonardo and Mandy, Kings Langley, NSW
- Refinancer

I live a busy life style and don't have a lot if time to shop around for loans. I also find the process if finding the best loan difficult to get my head around. It was great using mortgage choice as I was shown a comparison of different loans and offers and was able to choose the best loan for me. Having a mortgage angel was also great as I had regular updates and never had to call at any time to attend to any issues or concerned. I am very happy with the service and would recommend mortgage choice to anyone needing a home loan.
Aleecia and Stella, Kings Langley, NSW
- Upgrader

Irene is fabulous!! She has been our agent and adviser since we purchased our first property in 2001. Over the years she has assisted us with loans and purchases for a few properties. After our initial consult with Irene we have never even considered anyone else. She is unparalleled in her support and commitment to her clients.
N & R Pereira, Kings langley, NSW
- Upgrader

I can highly recommend the services of Mortgage Choice and the help I received from both Irene and Shubha. Extremely professional and helpful in getting me the right home loan. From day one to completion I was given updates and kept in the loop as to what was happening with my loan. They genuinely cared and were happy that they could get me the best loan and refinance me from my current mortgage and save me quite a bit of money in doing so. Thankyou Mortgage Choice
Michele, Kings Langley, NSW
- Refinancer

A huge thank you to the team at Mortgage Choice. Irene & Shubha were fantastic and I cant speak highly enough of the level of service we received. Our home build, construction loan and now new mortgage loan was a stressless exercise thanks to the professionalism and industry knowledge of the team. Thanks again for making our dream home a reality
Mark and Sarah, Kings Langley, NSW
- Upgrader

I just wanted to thank you and the team for all your help over the 6 months it took to get my loan sorted. You and the team were so professional and helpful through a really stressful time. I will recommend you to everyone I meet. Best of luck to everyone in the future - Thankyou again

Kerrie, Oakhurst, NSW
- Refinancer

We were very impressed with the service, made us feel less stressed about our situation. We felt this is the best organisation we have ever dealt with making us feel at ease through the whole process and would recommend them to everyone.
Wayne and Rhonda, Quakers Hill, NSW
- Refinancer

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.

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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 $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 $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 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 $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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Your Local Mortgage Broker for the Kings Langley area and its surrounding region with 19 Years of Home Loan Experience

Start your home loan journey today

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I'm considering refinancing

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