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Melanie O'Connell

Melanie O'Connell, your local Mortgage Broker in Narellan, Campbelltown and Macarthur | Home Loan Expert

Call: 0435 048 118

Whether you're a first home buyer, looking to refinance, invest or are self employed, I can help. As your local home loan expert I will research and compare up to 20 lenders to help you find the loan that best suits your needs. Give me a call or book an appointment today.

Call Us
Office - 0435 048 118

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

Address

Level 1, 8-10 Somerset Avenue NARELLAN, NSW 2567

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Why choose Mortgage Choice in Narellan?

Mortgage Choice Narellan offers our home loan services at no charge to our customers as the lenders pay us a commission after your home loan settles, which means you get all of our expertise at no cost to you!

And, as Mortgage Choice brokers, we’re paid the same rate of commission regardless of which home loan you choose from our wide choice of lenders.

Whether you're a first home buyer, seeking a refinance or an experienced property investor - Melanie O'Connell from Mortgage Choice in Narellan will ensure you have the most suitable and competitive mortgage.

If you're wondering...

How much can I borrow?
What is the best home loan?
What is the best home loan interest rate, that suits my needs?

Then make sure you get in contact with Melanie. As an expert in all things finance, Melanie is confident she can help you secure the right finance for your requirements.

Our team of brokers in Narellan & Macarthur will assess and compare the hundreds of loans available in the market, calculate your borrowing capacity and determine which lenders will qualify you. From there, we then sit down and present our findings to you so you can make a fully informed decision.

Once you've agreed on your home loan, we will prepare the paperwork, lodge the loan application and take care of all the running around.

Our team from Mortgage Choice Narellan can meet with you at a time and place that is most suited to you including your home or office. Call Melanie today for an appointment on (02) 4627 7447 or 0435 048 118. If you prefer to email, simply get in contact at melanie.oconnell@mortgagechoice.com.au.

As your local mortgage broker in Narellan, we can help you with:

Hear what some of our customers have to say!

Mortgage Choice Narellan & Macarthur our mission is to find the right home loan for your individual needs and always to have your best interests at heart.

So if you're looking to save money on your home loan or need an experienced Mortgage Broker to help you achieve your property dreams - we're here to help!

Call your local mortgage broker in Narellan & Macarthur on (02) 4627 7447 or 0435 048 118. We are here to help you through the entire home loan or finance journey.

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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Thank you so much for all your help, you are wonderful. I couldn't have purchased my investment property without your assistance. I would highly recommend your services to everyone.
W.Woods, Campbelltown, NSW
- Property Investor

We found Melanie to be sincere, professional and more innovative than previous Mortgage Brokers we have seen. She was considerate of our concerns and goals when providing us with loan options that met our current financial situation and possible solutions if our financial needs changed. Her knowledge of the industry gave us confidence choosing a financial path to owning our first home.
M & J Antcliff, Bradbury Home Loan, NSW
- Refinancer

Thank you Melanie....you are fantastic to deal with.....appreciate your diligence and quick response.
M. Villalon, Mount Annan Home Loan, NSW
- Upgrader

Your help and service with the purchase of my the house and the loan has been really wonderful. Thanks again for your help, Melanie. I really do appreciate your professionalism and assistance.
B Garlick, Leumeah Home Loan, NSW
- Property Investor

We want to say thank you for all your help and advice over the past year. We couldn’t have done it without you and the process has run so smoothly because of your tireless efforts. Would definitely recommend you to anyone needing a Mortgage Broker and we loved the fact that you were so flexible and always available to assist us with our queries.
A. Higgerson (1), Harrington Park, NSW
- First Home Buyer

Thank you so much for all your help and advice. Your experience and feedback was so very appreciated. It meant a lot. I will be defiantly recommending you to all of my family and friends.
M. Lock - Refinance, Werrington Downs, NSW
- Refinancer

Really appreciate all your hard work, thank you so very very much for making it as painless as possible.

When our daughter is ready to buy again, we will recommend she uses you, as well as any friends who may be in need of an awesome Broker 😁
J & K Teua, Mt Annan, NSW
- Refinancer

We cannot thank Melanie and her team at Mortgage Choice enough for assisting us in securing our home loan. After being unsuccessful with applications through another broker we went to Melanie for a second opinion and we are so glad we did otherwise we would not be in our own home today! Professional and efficient service, highly recommended!!
J Rogers, St Clair, NSW
- First Home Buyer

First home buyer's guide

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying 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 $176,000 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.

Melanie O'Connell, your local Mortgage Broker in Narellan, Campbelltown and Macarthur | Home Loan Expert

Narellan

Latest home loan interest rates

Why choose Mortgage Choice in Narellan?

And, as Mortgage Choice brokers, we’re paid the same rate of commission regardless of which home loan you choose from our wide choice of lenders.

If you're wondering...

As your local mortgage broker in Narellan, we can help you with:

Hear what some of our customers have to say!

Call your local mortgage broker in Narellan & Macarthur on (02) 4627 7447 or 0435 048 118. We are here to help you through the entire home loan or finance journey.

The right home loan for your needs

Google Reviews

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