Nicole Nation - local Mortgage Broker for St Marys, Penrith and surrounding suburbs

Call: 0412 709 700

We are a family run business in the Western Sydney suburb of St Marys. We give professional caring advice to all of our clients and have been doing so for over 25 years! Call our office today (02) 9833 8177 to see how we can help you too

Call Us Mortgage Choice St Marys
Mobile - 0412 709 700
Office - 02 9833 8177

Open Hours Mortgage Choice St Marys
M-F 9am - 5pm
Sat by Appointment
Free Appointment

Address

1/211 Queen Street ST MARYS, NSW 2760

Latest home loan interest rates

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BOOK AN APPOINTMENT

Our office is located in Queen Street, St Marys, we opened our doors 25+ years ago. During that time we have been able to assist in excess of over 2500 clients.

We do all the research for you

Our mortgage brokers in St Marys will make your life easy and provide you with the information and advice you need to make the right decisions with your finances. We work hard to ensure the home loan application is a straight forward process for you, so you can concentrate on finding your dream property!

We do this by researching different loan options on your behalf, completing the paperwork for you and of course following up with the lender.

Mortgage Choice St Marys offer a full range of financial services including:

Start your home loan journey today

Our team are dedicated to providing service beyond expectation and will leave no stone unturned to ensure you buy your dream home, buy that important investment property or simply ensuring you have the best mortgage product to suit your needs at the best rate available.

BOOK AN APPOINTMENT

Our services don't end with Home Loans; we are able to offer you more choice for:

Car Finance
Car Buying Service
Personal Loans
Vehicle Leasing
Equipment Finance

What makes us different? In a nutshell, we act for our clients, not the lenders!

Our home loan service doesn’t cost you anything!

At Mortgage Choice St Marys, 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.

Don't take our word for it, take a look at what some of our loyal clients had to say about our services.

"Nicole has been extremely helpful throughout the whole process and was always only a phone call away whenever my partner or I had any questions. Would definitely recommend to first home buyers or anyone who doesn’t know much about buying a house!"

- Leah

For further information, please direct any enquiry to our office on 02 9833 8177. We would love to help 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

Well looked after by all staff and know there job when I had a problem one quick phone call and we fixed it and got a great rate on my home loan yay

03 April 2024

If you are looking to buy a home, I would highly recommend engaging Nicole and her team to arrange your finance. Nicole went above and beyond throughout the entire purchasing process, and was available anytime, day or night to take my call.

Stacey
01 April 2024

Nicole was amazing She was so professional and dedicated to helping out with our home loan Most people say this can be a stressful time, but with Nicole, it was blissful

Daniel
25 March 2024

Nicole and her team have been incredible throughout the process of my partner and I purchasing our first home. They made the whole process as easy as possible and Nicole was able to share so much of her knowledge with us. We cannot thank them enough

Kristen
24 March 2024

Nicole was amazing, very helpful throughout my whole experience of buying my first home.

Brandon
23 March 2024

Nicole has been very helpful and supportive, assisting us in our first home purchase. She has gone out of her way to ensure we would get the best home loan possible and guided us through the whole purchasing process. We will be in touch when the time comes to review our loan options.

salomé
12 March 2024

Nicole and her team went above and beyond. She believed in me and appealed the banks original decision and now I am living in my own home. From this very grateful single mum to Mortgage Choice, thank you so very much

Donna
11 March 2024

We have been clients of St Marys Mortgage Choice for a while now and anytime we have needed anything, Des now retired, Nicole, Teresa and their team will do anything within their power to get the result we need. Nothing is ever a problem for them, they are so friendly, and we are kept in the loop every step of the way I would highly recommend this team for any financial needs you have. They are in my opinion the best

Heidi
03 March 2024

Nicole and the team are nothing but professional and friendly. Dealing with Nicole made the purchase of my first investment property a breeze. She supported me every step of the way and was there for me with every single silly question I had. She helped me with patience and with the understanding that I was a true layman and needed someone I could trust to guide me. I honestly could not of done it without her. I highly recommend Nicole Nation.

Kelly
13 February 2024

Nicole is AMAZING..Great help. Friendly and very knowledgeable. Would not go to anyone else. Have used her numerous times with our morgage. Highly recommend going to Nicole for all your mortgage enquiries.

Chantel
19 January 2024

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

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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.