Your experienced mortgage broker team for Campbelltown, Camden & Narellan and surrounds
Talk or visit our mortgage broker team in Narellan. Let us compare over 20 different lenders to find you the right home loan. We do the leg work - at NO COST to you.
(207+ total reviews)
- Call Us Mortgage Choice Narellan
- Office - 02 4647 7220
- Open Hours Mortgage Choice Narellan
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
- Free Appointment
Suite 1, 8-10 Somerset Avenue NARELLAN, NSW 2567
Start your home loan journey today
Home loan experts for Campbelltown & Narellan areas
The team at Mortgage Choice Narellan have been helping home buyers in the Campbelltown, Camden, Narellan and surrounding areas for over 20 years.
The team have over 95 years of combined experience across financial services and particularly in lending. So, you'll know that you're getting one of the most experienced teams to help achieve your financial goals.
The Macarthur area is growing rapidly and is the perfect location to settle and raise a family or invest for the long-term. Our mortgage brokers in Narellan are experts on the Sydney market and will help you achieve your financial goals now and into the future.
Our finance brokers are also proud to be MFAA members and operate within a professional Code of Practice that supports the alignment of the retail mortgage market with investor and consumer trust and confidence.
Narellan mortgage brokers - a business built on referrals
Helping thousands of Campbelltown, Camden, Narellan locals and many others purchase their first property is what the team love to do. Then assisting clients in the future with refinancing, and investment are what we are passionate about.
We ensure that our clients receive the best service. Our superior service has resulted in some wonderful referrals to the friends and family of customers, and our customers coming back to us time and time again.
No matter what stage you are at with your finances, we know we can help. Call our team today on 02 4647 7220 to speak with us and book a free appointment.
Why choose Mortgage Choice Narellan?
Convenience - Let us do all the legwork for you, saving you the time and hassle involved in applying for a home loan - from application through to settlement.
Wide choice - With our panel of over 20 of Australia's leading lenders, you'll have the choice of hundreds of loan possibilities and products.
Professional advice - Our team gives you over 90 years of finance experience. We commit to give you honest and professional advice. Our clients always come first.
No cost service - Our home loan service comes at no cost to you.
We're locals too - Living and working in the Macarthur area, we know the local Campbelltown, Narellan and Wollondilly area property markets and can advise you accurately on local issues. Also, many of our clients are from across Australia and internationally - so we can help no matter where you live!
Services we can help you with...
Refinancing & debt consolidation
Advice & finance for first home buyers
Fixed, variable or interest-only loans
Financing construction & renovations
Property investment loans
Car & other vehicle loans
Home, car & other insurances
Where you can find us
We are conveniently located at:
Meet at our office or we can arrange a time and a place that's convenient for you. Alternatively, we can meet via an electronic medium eg Google Meet.
We also have a second business servicing the Bankstown, Yagoona and Padstow areas that's available to assist you!
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. ~
First home buyer's guide
Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process.
Help me calculate
Based on standard variable rate over years.
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Your borrowing estimate
You may borrow up to
Your monthly repayments
Total loan repayments:
Total interest charged:
|Stamp duty on property|
|Mortgage registration fee|
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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.
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.
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.
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.
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.
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.
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.
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.
State / Territorial Revenue Web Sites
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