Mortgage Choice in Carnes Hill

Your Local Mortgage Brokers and Financial Advisers for the Liverpool and South West Sydney areas located in Carnes Hill.

Call: 02 9826 0333

Looking for a home loan? Talk to Mohammed Azeem and the team in Carnes Hill, your local Mortgage Choice broker servicing the Liverpool and South West Sydney areas. Let us research and compare with more than 20 lenders for you.

Call Us
Office - 02 9826 0333
Fax - 02 9826 0533

Open Hours
Mon- Fri 9am - 5pm
Free Appointment

Address

75 Sarah Hollands Drive CARNES HILL, NSW 2171

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Your one stop shop for all your finance needs. Home and Construction Loans, Investment Loans, Refinancing, Car & Equipment Finance and Business Loans. Financial Planning including Superannuation, Risk Insurance, Retirement Planning and SMSF’s.

2018 Winner of Mortgage Choice's Diversified Award.
2018 New South Wales Single Operator of the Year Business Excellence Award.
2017 Winner of Mortgage Choice’s Diversified Award.
2016 MPA Top 100 Broker.
Winners of the 2015 Liverpool City Local Business Awards for Outstanding Professional Services.
2012/13 Adviser of the Year.

As Liverpool's leading mortgage broker we know the stress that buying a property, refinancing or debt consolidation can bring. That's why we pride ourselves on providing a highly thorough and personal home loan service. For you, this means dedicated support and personal attention throughout the home loan process, from our purpose built office in Carnes Hill. What's more, there is no cost to you for our service.

Since 1999 we have helped many clients from across Liverpool and interstate become proud Australian home owners and become financially secure. With over 20 years lending and financial advising experience between us, we can provide you with professional home loan advice to help you with your home loan needs, no matter what your circumstances.

We cover all the bases

We not only work with you, we work together with your Solicitor, Real Estate Agent and Accountant and the government for any eligible grants to make the whole home loan experience a pleasant and enjoyable one. With our inhouse Financial Planning Service run out of our Carnes Hill office we ensure all your needs are identified and met.

In one meeting we can compare your requirements across a wide panel of over 20 of Australia's leading banks and lenders. So why take the risk by going to one bank or wasting your time by doing the comparing yourself. We'll take the time to listen to your needs and then find a home loan that suits you.

Why not ask about our free home loan health check. Call your mortgage broker experts in Carnes Hill and Liverpool today if you want to reach your goals of property ownership or financial control.

We look out for your best interests

Unlike many other brokers, we get paid the same commission regardless of which home loan you choose, as long as it's a residential home loan with one of the 20 plus lenders on our panel. This ensures we're focused on the right outcome for you. This also means we always have your financial interests at heart by helping you choose the most suitable product for your circumstances.

We specialise in:

First Home Buyer Loans
New Purchase home loans
Debt Consolidation
Refinance home loans
Construction Loans
Investment Loans
Bridging Loans
Ex-pat Loans
Foreign Investors
Reverse Mortgages
Low Doc Loans

The team at Mortgage Choice in Carnes Hill and Liverpool can also provide assistance with:

Personal Loans
Car Loans
Equipment Finance
Deposit Bonds
Insurance

We're ready to help with your home loan journey

Call us, your local Mortgage Broker, on 02 9826 0333 to speak to one of our home loan specialists or to arrange an appointment in either our office or at your home.

Our office is conveniently located in the 75 Sarah Hollands Drive, Carnes Hill (just behind Carnes Hill Marketplace) with ample parking available.

Suburbs we service include Liverpool, Mt Pritchard, Casula, Chipping Norton, Hammondville, Moorebank, Warwick Farm, Lurnea, Prestons, Bonnyrigg, Bonnyrigg Heights, Cecil Hills, Hoxton Park, West Hoxton, Carnes Hill, Elizabeth Hills, Horningsea Park, Middleton Grange, Willowdale, Hinchinbrook, Ashcroft, Busby, Cartwright, Green Valley, Heckenberg, Miller, Sadleir, Holsworthy, Wattle Grove, Pleasure Point, Sandy Point, Voyager Point, Edmondson Park, Cecil Park, Kemps Creek, Austral, Leppington, Badgerys Creek, Bringelly, Catherine Field, Gledswood Hills, Gregory Hills and Rossmore.

*This information refers only to loans provided by our panel of over 20 lenders with whom Mortgage Choice has an arrangement, under which it receives commissions and other payments.

What's next?

Find out about us and have a look at our Team tab
Find out how much you can borrow by using our calculators
Call us now to find out our lowest interest rates

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

Mohammed, I want to extend my sincere gratitude for your help and expert advice throughout our purchase. We are so happy to have achieved this milestone towards building our home.
K.S, Carnes Hill, NSW
- Construction

Mohammed is a fantastic person who is extremely knowledgeable and clearly knows what he is doing!
As a first home buyer and from the initial meet through to being approved, Mohammed was very supportive and gave us an end to end service beyond our expectations. He is the man to make it happen!!! I am ever so grateful for finding his services and I highly recommend him to anyone wanting to get into the housing market.
M.L, Spring Farm, NSW
- First Home Buyer

Mohammed and his team are outstanding. They were professional and very responsive to all of my questions. Mohammed found us a great loan and helped guide us through the process. I would highly recommend Mohammed and the team when looking for a loan.
H.E & L.W, Camden, NSW, NSW
- First Home Buyer

Dear Fairien,

Thank you for your professional and personalised service. You made it a pleasurable experience for us. You are so helpful and attentive, coming around to our place on several occasions making it easier with a young baby. We will definitely refer your mortgage services to our family and friends.
S & T, Horningsea Park, NSW
- First Home Buyer

It was a pleasure dealing with Mohammed and the Carnes Hill Office. They were very quick to obtain approval and helped us with our refinance.
M & S, Liverpool, NSW
- Refinancer

Great job Mohammed and your professional team! Keep up the good work!
E, Balingit, Carnes Hill, NSW
- Property Investor

Thank you for your excellent services. Everyone at your office is very helpful and friendly. I would highly recommend your services to our friends.
P & L, Horningsea Park, NSW
- Property Investor

Hi Fairien. Thank you for your excellent work in securing finance for my new toy. I am having the best time with my new Bonneville,
Cheers
Rik, Leura, NSW
- Upgrader

Mohammad my family and I thank you sooooo much for everything you are doing for us I can not express how happy I am with your help and honestly a huge thank you :)))
Martin, Blairmount, NSW
- Property Investor

I’ve been a client of Mohammed and Fairien’s for about 8 years now. Mortgage Choice at Carnes Hill have always fulfilled our needs and have always found a resolution to sustain our needs. They are very friendly, family orientated and they have always treated us like family. The team have always kept me posted throughout the loan process. I am very happy with their services and would recommend Mortgage Choice Carnes Hill to everybody.
J.S, Wattle Grove, NSW
- Property Investor

We were so happy with the service we received from Mohammed and his staff. We would highly recommend their services to family and friends.
A.A, West Hoxton, NSW
- Refinancer

Fairien Azeem, I can't say it enough - Thank you for making our journey in investing into property so seamless - love that you are so enthusiastic and passionate about what you do, makes us feel comfortable and safe in the knowledge that we are making the right decisions.
R, Grech, Ashcroft, NSW
- Property Investor

10/10 for the service provided and for each step throughout the process. We would highly recommend your services to our family and friends.
W. N, West Pennant Hills, NSW
- Refinancer

Fantastic service and communication throughout the whole process. A great team who we would highly recommend.
K. W, Lurnea, NSW
- Refinancer

Very happy with the service of Mortgage Choice. Always make time for us and answer any questions we have, no matter how trivial.
Miller, Gledswood Hills, NSW
- Refinancer

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.

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

State / Territorial Revenue Web Sites

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Your Local Mortgage Brokers and Financial Advisers for the Liverpool and South West Sydney areas located in Carnes Hill.

Carnes Hill

Latest home loan interest rates

We cover all the bases

We look out for your best interests

We specialise in:

The team at Mortgage Choice in Carnes Hill and Liverpool can also provide assistance with:

We're ready to help with your home loan journey

What's next?

The right home loan for your needs

Google Reviews

Hannah Ebeling

Phil Haq

Hannah Ebeling

Allan Kadouri

Kerri Cahalane

Gail Faux

IFTIAZ DEAN

Rod Calderon

First home buyer's guide

Help me calculate

2nd Applicant

Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

State / Territorial Revenue Web Sites

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