Parramatta, Westmead, Greystanes, Toongabbie & surrounds - Mortgage Broker, Home Loan and Finance Experts
Looking for a home loan? Talk to Sanjay Singh Mobile 0432 859 592, your local Mortgage Choice broker from Parramatta, NSW. Let us research and compare more than 20 lenders for you.
Monday - Friday: 9:00am - 5:00pm After hours by appointment
Free Appointment
Address
Suite 13A Parramatta Business Centre, 2 O'Connell StreetPARRAMATTA, NSW2150
Hi, I'm Sanjay Singh, your Mortgage Choice Mobile Mortgage Broker.
I am here to help you explore your way through the home loan financial maze. My services include home loans, car loans, property referral, financial planning and general insurance.
I am a CPA qualified professional with over 20 years experience in the finance industry working for multinational companies in various accounting and management roles. With my solid financial and accounting background, I am happy to assist you with all your financing needs and helping you achieving the Australian dream of owning your own home.
My passion is to help my clients achieve their dreams and set them on a journey of wealth accumulation.
I strongly believe in “ Ensuring my clients have made the right choice”.
As a home owner and property investor myself, I understand the importance of correctly structuring your loan, whether it's your first home or your fifth.
I'm only a phone call away or you can email me at sanjay.singh@mortgagechoice.com.au.
Pride in Customer Service:
As an experienced Financial professional, I have the industry knowledge and the tools to assess a wide range of loans in order to find you the loan that is right for you.
As a professional with a strong service ethic, I have the patience, the courtesy and the communication skills to work with you through the process, to clearly explain your options, to cut through the jargon and to help you make an informed choice.
My experience extends across a broad range of lending products suited to:
First home buyers
Property investors
Refinancing
Personal loans
Commercial loans
Car loans / leasing / hire-purchase
Insurances: mortgage protection, home and contents etc.
Independence Gives You Confidence:
Mortgage Choice is not owned by a bank we're independent. We evaluate loans from lenders big and small, from banks and other institutions to ensure no stone is left unturned when finding you the right loan.
And my service is no cost to you. Brokers are paid by the lender, but importantly, Mortgage Choice Mortgage Brokers are paid the same commission no matter the lender*, no matter the loan. As your Mortgage Broker, I am 100% committed to you.
Your Free Property Report: I always give my clients that little bit more, it's why much of my new business is referral business and why I have such strong repeat business and right now I'd like to offer you a free Property Report (valued at $65) on a property of interest to you.
Give me a call on 0432 859 592
I can come to your home, your office or your local café in fact, wherever and whenever suits you.
We can have a confidential, obligation free chat and look at all your options. There's no better time than now to see what's out there.
I truly look forward to meeting you.
Yours sincerely, Sanjay Singh
Servicing: Western Sydney including area such as Parramatta, Westmead, Harris Park, Greystanes, Merrylands, Merrylands West, West Toongabbie, East Toongabbie, Old Toongabbie, Greystanes, Girraween, Mays Hill, Pemulwuy, Pendle Hill, Girraween, Dundas, Dundas Valley, Oatlands, Telopea, Ermington, Rosehill, Rydalmere, Constitutition Hill, South Wentworthville, Wentworthville
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
Madhuri dhodi
05 Nov 2020
0
We are so thankful to have you as our broker Thank you for being so patient with us and taking us through all the bank procedures . We very much appreciated your help in gettin...
Mortgage Choice in Parramatta - Sanjay Singh
Ramneet Mehrok
19 Sep 2020
0
Sanjay, A really professional guy...Very Genuine person with genuine advice.Responsive to enquires as much as you ask without any attitude.Thanks Sanjay bhai for providing all t...
Mortgage Choice in Parramatta - Sanjay Singh
Michelle Simon
30 Aug 2020
0
I had a terrible experience with Sanjay Singh. He didn't return my phone calls and emails sometimes for weeks at a time during the process, and several times he failed to give m...
Mortgage Choice in Parramatta - Sanjay Singh
umesh j
11 Aug 2020
0
Very lucky and glad to have found Sanjay for our Home loan mortgage. Sanjay went way beyond and took that extra mile to help us process our home loan mortgage. Sanjay is very kn...
Mortgage Choice in Parramatta - Sanjay Singh
Lyn Mortimer
04 May 2020
0
I decided to use Sanjay as he had outstanding reviews, unfortunately the service I got was not outstanding. Maybe I was just unlucky with the service I received, but from the st...
Mortgage Choice in Parramatta - Sanjay Singh
Andrew M
03 May 2020
0
I decided to use Sanjay as he had outstanding Google reviews, unfortunately the service I got was not outstanding. Maybe I was just unlucky with the service I received, but from...
Mortgage Choice in Parramatta - Sanjay Singh
Md Rakib Mahmood
23 Apr 2020
0
My experience with Sanjay was great. His approach was very professional yet very friendly. He helped me to get the right loan which suits my situation and in very short time. He...
Mortgage Choice in Parramatta - Sanjay Singh
Gen S
08 Dec 2019
0
Sanjay was just incredible. He helped us so much in understanding everything to do with buying our first home. A truly kind and lovely person to work with, always happy to help...
Mortgage Choice in Parramatta - Sanjay Singh
Tripti Saxena
25 Nov 2019
0
A thorough gentleman to work with. High quality service, contactable all the times. I have used Sanjay's services for my first home loan and he ensured process goes smooth. He...
Mortgage Choice in Parramatta - Sanjay Singh
Nithin Joshua
22 Nov 2019
0
We had used Sanjay's services in getting our first home loan. He really helped us with guidance on the loan and also went the extra mile to help us evaluate houses as well in te...
Mortgage Choice in Parramatta - Sanjay Singh
b& c
09 Sep 2019
0
We can not recommend Sanjay enough! From the moment we met Sanjay we just knew we were in great hands. Sanjay’s professionalism and expertise in this industry gave us our first...
Mortgage Choice in Parramatta - Sanjay Singh
ming ming
17 Jul 2019
0
Got the loans done but I wouldn't recommond. It takes forever to settle and the process complicated. Had issues after the loans were settled but unable to get in touch with Sanj...
Mortgage Choice in Parramatta - Sanjay Singh
Christopher Burr
06 Jun 2019
0
High quality service and a gentleman to work with. Pushed the extra yard to get things over the line. Will hope to use Sanjay in the future
Mortgage Choice in Parramatta - Sanjay Singh
Shireen
30 May 2019
0
Sanjay is very helpful and kind person. He is very knowledgeable and provided guidance to me. I would highly recommend him to everyone requiring guidance relating to mortgages a...
Mortgage Choice in Parramatta - Sanjay Singh
Nicole Nobbs
01 Apr 2019
0
Always helpful and nothing was too much trouble. Very caring and genuine person. Would highly recommend.
Mortgage Choice in Parramatta - Sanjay Singh
Clare Dengate Thrush
28 Feb 2019
0
Sanjay really went above and beyond for us. Fantastic service, expert knowledge and support. I have recommended him to friends and I will continue to do so! Thanks Sanjay
Mortgage Choice in Parramatta - Sanjay Singh
Deepak Garg
29 Jan 2019
0
Given Sanjay's immensely long and diverse background in Finance industry, he has accumulated massive expertise in the field of lending. We recently got our home loan done throug...
Mortgage Choice in Parramatta - Sanjay Singh
Harish Mistri
09 Jan 2019
0
I highly recommend Sanjay Singh of Mortgage Choice . He is very patient to understand the situation and explain the different options. He go beyond and recommend the different s...
Mortgage Choice in Parramatta - Sanjay Singh
Lijith V
04 Dec 2018
0
Highly recommended. We approached Sanjay without knowing where to start or how to get into the property market. Sanjay and Kena gave us the confidence and information to start l...
Mortgage Choice in Parramatta - Sanjay Singh
yatin ahir
27 Nov 2018
0
Sanjay Singh is a very helpful person, I was not knowing ‘abc’ about home loans and even property market in Sydney. He explained everything in depth and gave me lot of options a...
Mortgage Choice in Parramatta - Sanjay Singh
hadi ghafari
07 Nov 2018
0
Sanjay and Kena are really helpful, professional and always responsive. Highly recommonded team who would definately give you the best service.
Mortgage Choice in Parramatta - Sanjay Singh
Siby Mathew
27 May 2018
0
We highly recommend Sanjay Singh of Mortgage Choice . Our each and every step of the planning and application of the home loan was handled by them extremely well. Our first meet...
Mortgage Choice in Parramatta - Sanjay Singh
Aidan Shepherd
04 Apr 2018
0
Great experience from a professional team.
Mortgage Choice in Parramatta - Sanjay Singh
Jwalit Vaidya
27 Mar 2018
0
Very good experience with both Sanjay and Kena. Extremely helpful through out the whole process and even after that. Highly recommended.
Mortgage Choice in Parramatta - Sanjay Singh
navneet ram
21 Feb 2018
0
Highly recommended , Sanjay is always calm under pressure and delivers results.
Mortgage Choice in Parramatta - Sanjay Singh
Asif Raza
14 Nov 2017
0
Definitely the best in town service. Sanjay is very friendly and understanding broker, helped me to make an informed decision. Kena, his assistant was also marvelous in communic...
Mortgage Choice in Parramatta - Sanjay Singh
Kelly Marshall
09 Nov 2017
0
Dipping my toes into the challenging and frustrating Sydney house market for the first time, dealing with jargon I didn't understand and trying to maintain an air of self contro...
Mortgage Choice in Parramatta - Sanjay Singh
roquedelcastillo
31 Oct 2017
0
LIFECHANGING. Searching Google has led us to the best broker in the neighbourhood. Ours was a complex case, and Sanjay and Kena took us on board. We are grateful to have been gu...
Mortgage Choice in Parramatta - Sanjay Singh
kumarappan chockalingam
11 Aug 2017
0
Sanjay was really helpful to get us a good loan package and supported us through out the whole process even in difficult situation from the pre approval to the settlement. Reall...
Mortgage Choice in Parramatta - Sanjay Singh
James Smithson
07 Aug 2017
0
My partner and I were looking to buy our first home and we could'nt be happier with the service provided by Sanjay and Kena. The entire process was explained to us in detail and...
Mortgage Choice in Parramatta - Sanjay Singh
Suvradip Saha
29 Jun 2017
0
Buying your first home with no previous experience in the property and financing market is a challenge. We were lucky to have contacted Sanjay for our financing options. Both Sa...
Mortgage Choice in Parramatta - Sanjay Singh
Robert Kurzawa
05 Jun 2017
0
Could not be any happier with the service we received. Kena made the whole process simple and smooth and was patient with all of our questions being first home buyers. I would...
Mortgage Choice in Parramatta - Sanjay Singh
Any one looking to buy first home would expect Mortgage Broker to assist them and be with them through out the process. It's normal. But to find a broker like that, it's hard and that's my experience. Thanks to Sanjay as he was with us through the process, made it easy and simple doing the hard work in the background. Getting the loan approved by a broker it's not a big thing, but a broker supporting you through the process and carry the load on his shoulders working for client is commendable and I strongly recommend Sanjay for the above reason.
Mr. Ennam James, Westmead, NSW - First Home Buyer
It was a great relief to have Mr Sanjay Singh at the time of my need of a home loan. He made the process easy doing all the hard work with utmost effort. He is a very approachable person, does not mind to answer questions and explains clearly all the pitfalls. I wish him success.
Dr Rusell, Sydney, NSW - First Home Buyer
Thank you Sanjay. It was a smooth and easy transaction because of your assistance. We would highly recommend you to our friends and we look forward to future transaction with your office.
Mr. & Mrs. Montoya, Lidcombe, NSW - Refinancer
We should have refinanced earlier if we had known that one appointment would save us thousands of dollars on our home loan every year!! Our broker, Sanjay Singh was on the ball right from the start, he got us the best rate possible and kept us informed the whole way through.
Thanks Mortgage Choice in Parramatta.
Mr. & Mrs. Alevras, Telopea, NSW - Refinancer
Going through a difficult separation, Sanjay was able to assist in providing competitive market comparisons with lenders that had not only saved me thousands of dollars but was able to make this a smooth transition. Sanjay provided exceptional service and was very helpful in all aspects of my loan. Thank you Sanjay for supporting me through this period and I highly recommend Mortgage Choice Parramatta to anyone looking for a new home or to refinance.
Thank you for all your assistance it was greatly appreciated.
Ms. Singh, Sydney, NSW - Refinancer
Completely calm, utterly polite and thorough. Sanjay you were so patient with us and had excellent communication throughout- we knew we were in the best hands. Many thanks for all your help.
Mr. & Mrs. Byrne, Granville, NSW - First Home Buyer
It's been a few months since we have moved in and settled into our dream home. My partner and I would like to say thank you to Sanjay & Kena for their patience with our 1 million questions, you were both very patient with us and explained processes in an easy to understand manner at all times of the day. We will certainly be letting our friends know of your services. Thank you again.
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.
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.
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.
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.
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.
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.
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.
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.