Sanjay Singh

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 Mortgage Choice Parramatta
Office - 0432 859 592

Open Hours Mortgage Choice Parramatta
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.

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. ~

Client reviews

Exceptional Service and Expertise
As a first-time home buyer, navigating the complex world of mortgages was a daunting task. Thankfully, I had the pleasure of working with Sanjay Singh. From the moment I reached out to him, I knew I was in capable hands.

Dhruv
06 February 2024

I would like to extend a big thank you for Sanjay for his assistance. He was very empathic and pleasant to deal with and I am happy with the outcome.

Chris
01 October 2023

Sanjay was amazing We just came across him through google and the reviews and it did not fail us. Our case was abit complex but yet he made it so easy and helped us secure our first property

Sara
04 April 2023

Recommended mortgage broker. Always comes up with a great solution to every situation. Professional broker and gives the best advice.

Camille
20 December 2022

Great broker. Always comes up with a great solutions.

Roel
20 December 2022

Sanjay is a fantastic mortgage broker He made the stressful process of buying a house so much easier and reassuring We met with him and he spoke to us clearly and simply about our options. He was always available for a chat and made the processes as transparent as possible. Would highly recommend Sanjay Highly professional

Keegan
19 May 2022

Great experience buying our first home with Sanjay.
Cannot thank him enough for taking the time to make sure we understood and were comfortable with everything we were doing. Sanjay went above and beyond for us and looked after us like we were family.
Sanjay turned the daunting experience of applying for mortgages and grants into a seamless and easy experience.
Would highly recommend to anyone looking to buy a home

Chelsea
17 September 2021

Sanjay Singh is the best broker and adviser I ever met.Whenever you have any kind of doubts, simply call him,he will be there for your help.We are very grateful to have him and recommend everyone.

Jossy
18 August 2021

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 the support in Sydney as well as in Melbourne....

Ramneet
18 July 2021

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 getting the mortgage in place and rest assured we will recommend you to anyone we know that is looking for a mortgage broker. We found your services to be very professional, which was a relief giving the many less than professional brokers in the business.

Madhuri
18 July 2021

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

PAYG Self Employed

My monthly income before tax

Rental income

My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

Calculate

You could borrow up to

Repayments
/ month
Expenses
Remaining

Based on standard variable rate over years.

Start the pre-approval process

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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

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.

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

Need help with your next home purchase?

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.

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

State / Territorial Revenue Web Sites

View