Mortgage Broker Springwood, Blaxland, Hazelbrook, Winmalee, Glenmore Park, Cranebrook, Jordan Springs, including all Western Sydney suburbs and all Greater Blue Mountains suburbs.

Call: 0493 141 776

Need help with your finances? Talk to Mortgage Choice broker Andy Manuel in Springwood for help with home loans, car loans, business lending, and more.

Call Us Mortgage Choice Springwood
Office - 0493 141 776

Open Hours Mortgage Choice Springwood
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Mortgage Choice Andy Manuel, Springwood NSW 2777

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Start your home loan journey today

How can a Mortgage Choice Broker help you?

Unlike a broker, your current lender only has access to their own products and as such, they bring a limited amount of choice to the table. With us, that's not the case.

We will compare your loan against hundreds of others to not only find you the most competitive option but the home loan with the features you need. Many think a Mortgage Broker is just there to get you the right home loan, but we are so much more than that. Our team can help you with:

Explain your borrowing power
Let you know how much deposit you need
Explain your purchase costs
Calculate your loan repayments
Arrange pre-approval

If you would like to chat with a Mortgage Broker in Springwood and Greater Blue Mountains region then get in touch with Andy Manuel on 0493 141 776.

Find out how much you can borrow!

Before you start shopping around for a home or investment property, it’s a good idea to learn what your borrowing power is. In other words, how much you can afford to borrow. Factors such as your assets, income, debts and liabilities will all be considered by a lender to determine your borrowing power.

To find out your borrowing power, you can use our online calculator.

Find out how much you can borrow

Book a home loan appointment by calling Mortgage Broker Andy Manuel on 0493 141 776.

We can also help you with:

Entering the Springwood or Greater Blue Mountains region property market!

If you're looking at getting into the property market, it's important to check that you're ready. Once you’ve worked out how much you can afford to borrow and repay, saved your deposit, factored in all the costs involved, and investigated the home loan that’s right for you, now comes the fun part – buying your home!

But before you jump into it, check out our short video about what you need to prepare for your home loan application.

Step by step guide to purchasing a property

Are you chasing more information about the home loan process? Make sure you check out our property guides. Our property guides provide information that may assist you with your home loan, no matter if it's for your first home or for an investment property.

Download our free resources

To arrange a home loan appointment call Andy Manuel on 0493 141 776.

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

Highly recommend working with Andy, he is excellent

Lachlan
07 July 2024

Wonderful service and communication. Andys advice and expertise was invaluable.

Kylie
07 July 2024

Andy is absolutely incredible. Cant
recommend highly enough. Considerate, thoughtful and committed to getting you the best outcome.

Nitin
06 July 2024

Andy was helpful, knowledgeable and responsive throughout the loan process. Thanks Andy.

Mitchell
05 July 2024

Andy was great to deal with. Highly recommended

Kishore
25 June 2024

Andy was an excellent broker to work with to buy our first home. He is incredibly attentive, explains things in simple terms and is always happy to answer our questions even when we asked them more than once. I highly recommend using Andy for your mortgage.

Bethanie
10 June 2024

Getting our mortgage completed from beginning to end was an absolute pleasure with Andy. Sociable, professional and hard-working he took care of everything and kept us in the loop. Will definitely use Andy for any future lending needs

Deeptesh
07 June 2024

Andy was incredibly helpful and professional in assisting us to upsize our home. He guided us through the mortgage process with clear communication and expert advice, making everything smooth and manageable. Thanks to his efforts, we secured a great mortgage and moved into a larger family home that suits our needs perfectly.

Joel
19 May 2024

I highly recommend Andy to anyone looking for a trustworthy broker who goes the extra mile. My partner and I had unique and changing circumstances throughout our journey to get a home loan and Andy was with us every step of the way. He was able to recommend different banksloans for us based on our needs and we ended up with a great deal. Thank you Andy for helping us to relocate to our dream location and get into the property market. From two very happy first home buyers, Dean and Maddy

Maddy
13 May 2024

Andy was extremely professional and approachable at all times. His product knowledge is exemplary and his advice always considers the best needs of the client. Andy went above and beyond to make himself available to answer our phone calls, texts and emails. We cant recommend Andy highly enough and will definitely do business with him again in the future.

Roslyn
12 May 2024

Refinancing guide

If you’re thinking about refinancing, this guide can help you learn more about the refinancing process, benefits and options available.

Download now

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You could borrow up to

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/ month
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Based on standard variable rate over years.

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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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Your monthly repayments
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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.