Your Local Mortgage Brokers for the Liverpool and South West Sydney areas located in Carnes Hill.

Call: 02 9826 0333

Looking for a home loan? Talk to Mohammed Azeem and the team in Carnes Hill, your local Mortgage Choice broker servicing the Liverpool and South West Sydney areas. Let us research and compare with more than 20 lenders for you.

Call Us Mortgage Choice Carnes Hill
Office - 02 9826 0333
Fax - 02 9826 0533

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

Address

75 Sarah Hollands Drive CARNES HILL, NSW 2171

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Your one stop shop for all your finance needs. Home and Construction Loans, Investment Loans, Refinancing, Car & Equipment Finance and Business Loans.

2018 Winner of Mortgage Choice's Diversified Award.
2018 New South Wales Single Operator of the Year Business Excellence Award.
2017 Winner of Mortgage Choice’s Diversified Award.
2016 MPA Top 100 Broker.
Winners of the 2015 Liverpool City Local Business Awards for Outstanding Professional Services.
2012/13 Adviser of the Year.

As Liverpool's leading mortgage broker we know the stress that buying a property, refinancing or debt consolidation can bring. That's why we pride ourselves on providing a highly thorough and personal home loan service. For you, this means dedicated support and personal attention throughout the home loan process, from our purpose built office in Carnes Hill. What's more, we don’t charge to find the right loan for you. We are paid by the lender once your loan settles. In some limited circumstances we may charge a fee, which would be discussed with you before proceeding.

Since 1999 we have helped many clients from across Liverpool and interstate become proud Australian home owners and become financially secure. With over 20 years of lending and financial advising experience between us, we can provide you with professional home loan advice to help you with your home loan needs, no matter what your circumstances.

We cover all the bases

We not only work with you, we work together with your Solicitor, Real Estate Agent and Accountant and the government for any eligible grants to make the whole home loan experience a pleasant and enjoyable one.

In one meeting we can compare your requirements across a wide panel of over 20 of Australia's leading banks and lenders. So why take the risk by going to one bank or wasting your time by doing the comparing yourself. We'll take the time to listen to your needs and then find a home loan that suits you.

Why not ask about our free home loan health check. Call your mortgage broker experts in Carnes Hill and Liverpool today if you want to reach your goals of property ownership or financial control.

We look out for your best interests

We always have your financial interests at heart by helping you choose the most suitable product for your circumstances.

We specialise in:

First Home Buyer Loans
New Purchase home loans
Debt Consolidation
Refinance home loans
Construction Loans
Investment Loans
Bridging Loans
Ex-pat Loans
Foreign Investors
Reverse Mortgages
Low Doc Loans

The team at Mortgage Choice in Carnes Hill and Liverpool can also provide assistance with:

Personal Loans
Car Loans
Equipment Finance
Deposit Bonds
Insurance

We're ready to help with your home loan journey

Call us, your local Mortgage Broker, on 02 9826 0333 to speak to one of our home loan specialists or to arrange an appointment in either our office or at your home.

Our office is conveniently located in the 75 Sarah Hollands Drive, Carnes Hill (just behind Carnes Hill Marketplace) with ample parking available.

Suburbs we service include Liverpool, Mt Pritchard, Casula, Chipping Norton, Hammondville, Moorebank, Warwick Farm, Lurnea, Prestons, Bonnyrigg, Bonnyrigg Heights, Cecil Hills, Hoxton Park, West Hoxton, Carnes Hill, Elizabeth Hills, Horningsea Park, Middleton Grange, Willowdale, Hinchinbrook, Ashcroft, Busby, Cartwright, Green Valley, Heckenberg, Miller, Sadleir, Holsworthy, Wattle Grove, Pleasure Point, Sandy Point, Voyager Point, Edmondson Park, Cecil Park, Kemps Creek, Austral, Leppington, Badgerys Creek, Bringelly, Catherine Field, Gledswood Hills, Gregory Hills and Rossmore.

*This information refers only to loans provided by our panel of over 20 lenders with whom Mortgage Choice has an arrangement, under which it receives commissions and other payments.

What's next?

Find out about us and have a look at our Team tab
Find out how much you can borrow by using our calculators
Call us now to find out our lowest interest rates

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

Honest and professional service. Great advice. Provided a loan package that perfectly fit my requirements. Thank you Mohammed

Joseph
15 April 2024

Mohammed has been an exceptional figure in my journey of refinancing my mortgage. From day one he has shown a great interest and genuine attempt at trying to secure the best deal for me. He is understanding, patient and always ready to answer my calls and questions. No words can fairly express the appreciation and gratefulness I have for the hard work Mohammed has put in my application. He has tirel... read more

Maria
28 May 2023

Mohammed has been amazing throughout our home buying journey.
As first home buyers we were quite anxious with the whole process, but dealing with Mohammed and the team made the process a breeze and put us at ease.
Very professional and knowledgeable, and had the patience to answer all our silly questions.
We can't thank him and the team enough for their care and efforts. We will definitely be coming... read more

Kessy
19 April 2023

Professional, friendly, very helpful.

Erly
07 March 2023

Mohammed is absolutely amazing he understands that each individuals needs are different and helps guide you through with minimum stress and fuss. Extremely professional and knows his stuff. I definitely recommend his services

lou
27 January 2023

Your staff is very polite and patient with me. He finds the lowest rate for me. Have everything completed before the settlement date. He made buying a property less stressful.

Sylvia
18 July 2021

Mohammed and his team are outstanding. They were professional and very responsive to all of my questions. Mohammed found us a great loan and helped guide us through the process. I would highly recommend Mohammed and the team when looking for a loan.

Hannah
18 July 2021

Your staff were very polite and patient with me. Mohammed found the lowest rate for me and he had everything completed before the settlement date. He made buying a property less stressful.

S.W
12 July 2021

Mohammed, I want to extend my sincere gratitude for your help and expert advice throughout our purchase. We are so happy to have achieved this milestone towards building our home.

K.S
25 November 2020

Mohammed is a fantastic person who is extremely knowledgeable and clearly knows what he is doing!
As a first home buyer and from the initial meet through to being approved, Mohammed was very supportive and gave us an end to end service beyond our expectations. He is the man to make it happen!!! I am ever so grateful for finding his services and I highly recommend him to anyone wanting to get into the housing market.

M.L
17 November 2020

Property Ownership

This guide outlines the essential steps to achieving property ownership, starting from the first appointment with a mortgage broker all the way to settlement.

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You could borrow up to

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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.

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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.

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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 $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.

From 09 May 2024, if you buy a home costing up to $450,000, no stamp duty is payable at all. If the value of your home is between $450,000 and $600,000, you’ll be entitled to a reduced rate of stamp duty.

There are no additional concessions for homes valued above $600,000 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.