Sanjay Singh, Mortgage Broker Parramatta, NSW

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.

Call Us
Office - 0432 859 592

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

Address

Suite 13A Parramatta Business Centre, 2 O'Connell Street PARRAMATTA, NSW 2150

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

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.
Mr. McVean & Miss. Kuo, Mt Colah, NSW
- Upgrader

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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.

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Parramatta, Westmead, Greystanes, Toongabbie & surrounds - Mortgage Broker, Home Loan and Finance Experts

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