Your Local Mortgage Broker for the Cabramatta, Wetherill Park, Fairfield area and its surrounding region with over 17 Years of Lending Experience

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Call: 0415 654 321

Mortgage Choice is your local trusted mortgage broker in Cabramatta, Wetherill Park and Fairfield, we are able to help you in different type of loan requirements by guiding you through the entire process with expert advice. We know how important it is for you to be able to trust the advice you are receiving from our experts.

With so many options to choose from, finding the right product can seem overwhelming. Your Mortgage Choice broker will handle the loan for you from start to finish, giving you the reassurance of getting the right loan for your individual needs with ongoing support.

We can assist you with your personal finances including your home loan, car loan, self-managed super fund loan insurances. We can also help you organise finance to start or grow your business and fund your assets.

Call Us Mortgage Choice Cabramatta
Office - 0415 654 321

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

Address

Suite 7, 119A John Street CABRAMATTA, NSW 2166

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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

I am satisfied and quite happy dealing with Zoe Thai and Phillip. They are truly professional with their works in helping their client achieve the best possible outcomes. Highly recommended

Dzung
15 April 2024

Philip assisted us with getting our home loan. He was a fantastic broker from the start where he was willing to spend to time to get to know our situation, during the process of selecting the best loan and even assisting us signing the e-documents at the end when we were having issues.
He helped us every step of the way and was always there to answer any questions or advice about what are options were av... read more

Nathan
15 April 2024

We were extremely happy with the services provided by Philip Le @ mortgage choice Cabramatta.
From the very start when i was trying to work out how much money we could borrow to signing the mortgage documents Philip has been there to support us and offer advice.
He was always there to answer your questions after work on weekends and is very knowledgeable with his advice.
Very helpful and good listener.... read more

Michelle
15 April 2024

Good services.

Anh
26 March 2024

Get job done fast ,Helpful advice and learn new experiences for your loans.

Vanda
26 March 2024

Phillip and Zoe assisted in finding the best deal. Phillip helped me with finding the lowest interest rate and constantly keeps his clients at mind when finding the best deal for them. He kept me through the loop during our many obstacles that occurred through out my property journey. If youre wanting to get exceptional, professional and seamless service, then please visit Phillip and Zoe. They supported me during the whole process and continue to keep me posted.

Alexandra
12 March 2024

Philip has been fantastic in guiding me through the purchase of my first home right from the beginning. Throughout the whole process, he works hard to get me the best deal that will benefit me with great consideration to various situations.

Lynh
11 March 2024

Great service, got me lower rate than my bank would offer. Plus the 2k bonus from new bank. Happy days

Au
05 March 2024

Philip's service is first class. He's able to provide us with the best value home loans and ensures that these are aligned with our personal and investment strategy. He's very efficient, organised and accessible which made the process easy for us.

Jheannie
20 February 2024

Weve got our first apartment in Merrylands. Unfortunately, the first broker we had was not very helpful, but with the help of our friends, we met Philip. He was on holiday when I first tried to contact him. I was surprised he entertained my call from then he gave us the best deal. We are delighted with his performance as he is a very experienced and intelligent broker, and 100 will recommend him to anyone looking for an A1 broker.

Glenford
20 February 2024

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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.

Your Local Mortgage Broker for the Cabramatta, Wetherill Park, Fairfield area and its surrounding region with over 17 Years of Lending Experience

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