Mortgage Broker in Parramatta | Your home loan experts!

Call: 02 9683 7525

Looking for a home loan? Talk to Mariana Bakic, your local Mortgage Choice broker from North Parramatta, NSW. Let us research and compare more than 20 lenders for you.

Call Us Mortgage Choice Strathfield
Office - 02 9683 7525
Fax - 02 9683 6878

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

Hi, I'm Mariana Bakic, your friendly Mortgage Choice Mortgage Broker servicing the Parramatta region.

Since joining Mortgage Choice as a professional Mortgage Broker, I have assisted hundreds of families and individuals secure finance that has helped them toward their property goals - from those entering the market buying their first house or unit, right through to investors with complex loan structuring needs.

I understand that each client is an individual, each with their own ambitions, motivations and personality, and each with their own unique set of circumstances. So I take this into consideration when finding a loan and in tailoring my service.

Use our home loan calculators

The Home Loan Process | Parramatta

To get started, we'll schedule a meeting. As a mobile Mortgage Broker, I'm flexible. I'll work around you and your schedule, coming to you when you want, where you want.
We'll have an obligation free chat about where you are and where you'd like to be in the property market.

I take an understanding of you and your property goals and assess your finance requirements against lending products from our panel of lenders to find the most suitable loans.

I'll provide details on your options, explain the loans and answer your questions to help you make the most informed choice.

I submit the application, work with the lender throughout the approval process and manage it right through to settlement, keeping you updated every step of the way.

After settlement, I'm still at your service, always only a call away to answer any questions that may arise.

Download our free property guides!

It's this personalised service coupled with my experience as a Broker that sees clients happily refer me to family and friends. And can I tell you, even now, there's no better feeling than helping someone with such an important decision as home finance, then to have them trust me to do the same for their loved ones.

What makes us different?

Our home loan service is at no charge to our customers because the lenders pay us a commission after your home loan settles, so you get all of our expertise at no cost to you.

Our mortgage brokers in Parramatta can help you with:

Let's talk about your finance needs - it costs you nothing and you may be surprised at the options that are out there and available to you.

Call our team from Mortgage Choice servicing Parramatta and we'll make a time for me to come and see 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. ~

Client reviews

The service was fantastic. Buying a house was a stress free process. I was given regular updates through out the process which was very valuable and made the process a lot easier. After 3 unsuccessful attempts at a loan Mariana provided a service that was friendly and supportive and I would recommend this service to all my friends and family.

Sarah Grey
16 December 2017

All my queries were responded to clearly, and very quickly. As a first buyer the process was incredibly daunting and there was a lot I was nervous about. Mariana also stayed in contact even a few hours after giving birth to her son!!

Kathy Giang
16 December 2017

Your service is exceptionally professional. You kept me up to date with the process of my loan. Your support has not stopped since the loan was approved which is greatly appreciated. I would definitely recommend your services to family/friends who are looking for loans.

Kirby Morgan
16 December 2017

Having a mobile service that comes to you is terrific and a huge convenience. We also liked having the latest details on mortgages and rates provided to us and having someone fill out the paperwork and documents for us with follow up work is a huge time saver. A great service!

Tuyet Lam
16 December 2017

Prompt, reliable and knowledgeable service. Takes the time to translate loan/bank talk into common terminology. Consistant quality of service.

Hamish & Fiona Jamieson
16 December 2017

I was thoroughly impressed by your professionalism and skill set. I would recommend your services on. I could not speak highly enough of the services provided by Mariana. Her attention to detail and responsiveness during the application process was impressive. She was very supportive, thorough and very knowledgeable. I would not hesitate to recommend her services to anyone and will have her assist me in the future when required.

Kimlani Turnball
16 December 2017

Thanks Mariana for the easy and stress free loan process your advice was much appreciated.

Brendan Allen
16 December 2017

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You could borrow up to

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/ month
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Remaining

Based on standard variable rate over years.

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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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First Home Buyer?

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Total fees:

Breakdown	Amount
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Need help with your next home purchase?

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.