Theresa Casanova

Your experienced mortgage broker team for Campbelltown, Camden & Narellan

Call: 02 4647 7220

Looking for home loans, refinancing, investment loans, car loans or financial advice?

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.

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

Address

Suite 1, 8-10 Somerset Avenue NARELLAN, NSW 2567

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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, investment and financial planning 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...

Pre-approvals
Home loans
Refinancing & debt consolidation
Advice & finance for first home buyers
Guarantor loans
Fixed, variable or interest-only loans
Financing construction & renovations
Property investment loans
Car & other vehicle loans
Personal loans
Home, car & other insurances
And more...

Where you can find us

We are conveniently located at:

Suite 1, 8-10 Somerset Ave Narellan NSW 2567

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. ~

Theresa and the team provide professional service and options that align with our goals. This gives us the confidence to what is best for our family.
Mark Tutt, Thirlmere, NSW
- Property Investor

Over the 10+ years that Theresa has been our broker, we have always had positive experiences obtaining loans for residential and investment properties. We would have no hesitation in recommending her, or Mortgage Choice.
Suzanne Whitmee, Port Kembla, NSW
- Property Investor

Excellent service. Expertise advise and extremely friendly service. Treated us like his family.
Shirley Prasad, Macquarie Fields, NSW
- Refinancer

It was a pleasure to work with Theresa at Mortgage Choice Campbelltown. Theresa was extremely helpful in finding the loan that would best suit my needs. I just wanted to take an opportunity to thank you for the great, excellent work Theresa has done in helping me pursue my dream home. I would highly recommend Theresa to all my friends and family.
Ai Tran, Campbelltown area, NSW
- Upgrader

Theresa was fantastic! Timely, informative and very helpful. Would definitely recommend.
Brendon Beness, Narellan area, NSW
- Upgrader

We had absolutely no idea what we were in for when we started looking for our first home, the process was really stressful and uncertain. The only aspect we could rely on was Franco, we had and still have complete trust in him, we could always tell he had our best interests at heart and was always working to do the best for us, we appreciate everything Franco has done for us and continues to do to help us save money and enjoy our first home!
Sara & Mathieu, Bankstown, NSW
- First Home Buyer

My experience in dealing with her team from Mortgage Choice was excellent. Theresa was very helpful and gave me good advice when I had to make financial decisions.
Dave Prasad, Mount Annan, NSW
- Financial Planning

Great company to deal with, our broker Flavio worked tirelessly and made the whole process easy. Would definitely recommend his services to family and friends
Mark Kiosoff, Campbelltown area, NSW
- Upgrader

Theresa went above and beyond, was really professional and very efficient. I highly recommend her to anyone looking for quality service.
Mobinah Ahmad, Campbelltown area, NSW
- Upgrader

Purchasing my first property in Australia was made easy by Mortgage Choice. Theresa was very accommodating with her time, explained all available options and provided a high standard of advise. I was kept in the loop and constantly updated with progress.
Ronan Giblin, Campbelltown area, NSW
- First Home Buyer

Mortgage Choice were highly professional and committed to helping me achieve personal goals.

They provided me with comprehensive information to support decision making as well as the most competitive rates that could not have been achieved without their assistance.

I would highly recommend the services of Mortgage Choice Campbelltown.
Sarah Olender, Fairy Meadow, NSW
- Refinancer

We have been clients of Theresa for over 5 years now. As always the process is always smooth sailing. We can always sit back with peace of mind knowing that the process will be followed efficiently right to the end! Thanks Theresa and Susan for all your great work so far. We look forward to many more years to come!
Victoria Sooroojbally, Campbelltown area, NSW
- Upgrader

I have used the services of Theresa Casanova from Mortgage Choice Campbelltown twice now and will continue to do so in the future.

I would highly recommend her for the following reasons, her professionalism, her knowledge and her we can do this attitude.

She stays in contact with you and keeps you up-to-date throughout the application process.

I felt she worked so hard for me, to make my dreams come true.

She is truly amazing.
Leila Ishac, Oran Park, NSW
- Property Investor

We have been clients of Theresa Casanova for many years. She is excellent at explaining the details of the mortgage to us, and of course always striving to obtain the best rates for her clients.
Theresa is also very friendly, helpful and patience and we will not hesitate to recommend her to anyone who is out seeking a home loan.
Jean Choong, North Ryde, NSW
- Property Investor

Theresa was a wonderful help. She followed up all aspects of the loan from finding the best rate and ensuring we qualified for it, to ensuring everything was in place throughout the application process and settlement.
George Petrovski, Picnic Point, NSW
- Property Investor

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.

Download now

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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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Your experienced mortgage broker team for Campbelltown, Camden & Narellan

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