Steven Csikos

Your experienced Mortgage Choice Brokers for Baulkham Hills and the surrounding Hills District

Call: 0417 704 772

Looking for a home loan?

Talk to Steven Csikos and Robbie Basha, your local Mortgage Choice brokers from Baulkham Hills and the surrounding Hills District.

Let us research and compare over 20 lenders for you.

Call Us Mortgage Choice Baulkham Hills
Mobile - 0417 704 772
Office - 02 9680 2300

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

Address

Suite 209, 12 Century Circuit BAULKHAM HILLS, NSW 2153

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Welcome to Mortgage Choice Baulkham Hills

My name is Steven Csikos. I am your local Mortgage Choice Broker for the Hills District.

Together with my accomplished team we can provide you with a professional service comparing hundreds of home loans from a wide choice of lenders.

No Cost To You!

Tired of wondering when to buy Or where to buy OR what to buy OR who to talk to AND how to invest?

Here is Why I Can Help You?

I am a high-level expert in my field with a sound understanding of financial markets.
I care about people.
I know how to help you take the first step or make the milestone decision to share in or expand your capacity for financial security.
It costs you nothing!

Seize the Opportunity

Whether you are interested in a first mortgage, upsizing, renovating, refinancing, a commercial loan or in self-managed super-funds, I can connect you to the best opportunities available and walk with you from start to finish in helping you make sound choices for your financial future. My services cover [but are not limited to] Mortgages, Self-Managed Super Fund lending, Car Loans, Commercial Loans for Investment and Business Use and Constructions Loans.

Say ‘YES’ to Wealth Creation

My personal vision is to help people understand that wealth creation begins with mobilising yourself to choose wisely and act decisively. Whether you are a fresh beginner entering the mortgage space or a veteran with dreams of expanding your personal investment capacity, I can help you identify opportunities, choose wisely and act decisively!

Ask my clients about Steven Csikos and they will verify that the bulk of my business is by referral. I have often served two generations of clients as well as their friends and networks.

Gain the Competitive Edge

I have built significant strategic skills and accumulated in-depth research experience of local and national markets that have given me a competitive edge in the industry. With me, you will learn to identify risks, make WISE CHOICES AND take DECISIVE ACTION.

Get down to business:

Let me help you to -

1. Understand your Capacity

2. Map the best strategy to your capacity

3. Prioritize your finances

4. Identify your short-term and long-term goals

5. Tailor the best product to achieve your goals

6. Choose the Right Moment

7. Act Decisively

8. Invest Productively

Wealth Creation is our Priority!

Become part of the expanding wealth-creating family at Mortgage Choice.

Your future awaits you!
Thank you to all my clients!

To Book an appointment:

For an informed, professional and caring service call me today on 0417 704 772.

Or click on the green 'contact us' link at the top of this page.

Sincerely

Steven Csikos

What services does Mortgage Choice Baulkham Hills Offer?

First Home Buyers
Investment Loans
Refinancing
Construction Loans
Self Managed Super Funds
Life,risk & income protection insurance
Personal and car loans
Commercial and equipment finance

Servicing Sydney Hills District and beyond:

Baulkham Hills, Beaumont Hills, Bella Vista, Carlingford, Carlingford North,Castle Hill, Kellyville, Kellyville Ridge, Kingsdene, Northmead, North Parramatta, North Rocks, Rouse Hill, West Pennant Hills, Winston Hills and Beyond.

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

Been using Robbie as my broker for years He is always very helpful, answers all my questions and finds the most suitable loan accordingly. Will definitely use him again
Melanie Ektoros
07 August 2022

Robbie is a people person, great to deal with and nothing is a problem for him . Robbie is my go to for all my mortgage needs. I highly recommend Robbie if you are looking for a high quality mortgage broker.
Kent Small
21 July 2022

I recently bought my first investment property through Robbie. Robbie helped me through the whole process with the Morgage side of things. He knew exactly what I wanted and what was going to benefit me in the long run where I felt like I could trust him. My Morgage was successful and I believed I made the right choice to go with him. Would highly recommend him if you want a good homeloan.
Alex Boughton
21 July 2022

Robbie is a very optimistic, empathetic and dedicated person to help his client's circumstances. Thank you very much and Kylie for being responsive to all our queries All the best
Dennis and Karen
Kaz
23 April 2022

Robbie is very proactive. He keeps you up-to-date around what's happening with rates and will send better deals regularly.
Emma Jackson
22 February 2022

We have been dealing with Steven Kylie for a few years. Everytime we contact them they cannot do enough to help with any matters we have. They always find us great products. We wouldn't look elsewhere. Thank you.
simon rowe
22 February 2022

Always enjoy working with MC. Very helpful, communicative and willing to deal with our especially complex financial situation.
Jude Osborn
22 November 2021

Highly recommend the services of Robbie and Kylie. Both have been very helpful and responsive in helping us step through the chaotic process of getting an approved mortgage with lenders at a great rate
Jason Chan
23 September 2021

Fantastic service with quick response. Very professional with well explained options. Will use again.
Andrew Wall
23 September 2021

Both Robbie and Kylie were great to deal with. All of our requests were met with a very quick response. There was a vast range of products and all were thoroughly researched by Robbie to give us the best possible product. A pleasure to work with
Phil Perkins
23 August 2021

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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 $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 $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 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 $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.

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