Your Mortgage Broker Wetherill Park, Fairfield Heights, Bossley Park & surrounds

Call: 0434 014 451

Christopher Cujko is your local mortgage broker in Wetherill Park, Fairfield Heights and Bossley Park and will give you expert home loan advice. Contact Christopher today to discuss your home loan needs.

Call Us Mortgage Choice North Richmond
Office - 0434 014 451

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

Address

Wetherill Park NSW 2164, Australia

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Hi, I'm Christopher Cujko, your Mortgage Choice Broker for Wetherill Park, Fairfield Heights and Bossley Park, plus its surrounding region.

As your local mortgage broker, Christopher will do all the legwork in finding the right home loan for your needs and support you throughout the entire application and settlement process. Compared to going directly with a bank, our team will take the time to understand your financial situation and find you the right home loan by comparing thousands of loans across multiple lenders and is not limited to the offerings of just one lender.

We are also proud to say our clients continually come back to us for future assistance as well as referring their friends and family. This is due to our highly personalised service coupled with an in-depth understanding of the lending market.

As your Mortgage Broker, Christopher can

Provide you with real choice (giving you a range of lenders to choose from)
Work with multiple lenders, not just one – keeping competition alive (giving you more options to choose from)
Negotiate a better outcome for your loan (might be able to negotiate a better interest rate for you)
Help at a time and place that suits you, doing the legwork for you
Plus Christopher will always aim to save you time and stress.

Chat with Christopher this week about your home loan situation.

Contact Christopher today!

Home Loan Resources

If you're researching the best ways to enter the property market, then you may find our guides useful. Feel free to check out some of our free resources below.

Our team of Mortgage Angels can help you:

Why should you choose our team? | Mortgage Brokers for the Wetherill Park region

Christopher Cujko and The Mortgage Angels

Our team of Mortgage Angels are passionate about what we do! We love assisting people in finding a lending solution in order to secure their dream home. As your Mortgage Broking professionals, we're here for you every step of the way.

We also have the best 'Office Manager' in Australia (always available for a BIG cuddle)

Our Process

Following an initial chat about your property goals, we'll analyse loans from a range of lenders and present you with clear information about your options. We'll take you through each option, answer your questions and provide the expert guidance and all the personalised support you need to make the decision.

Our team of mortgage angels will take care of all the details and keep you informed every step of the way. It's no wonder many of our clients call the team their Mortgage Angels.

Get in touch with mortgage broker Christopher Cujko to discuss your home loan needs - 0434 014 451.

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

Chris has been an exceptional advisor for my first property. His guidance on smart loan options and potential savings allowed me to make the best informed option. I highly recommend talking to him.

Maverick
02 July 2024

Thank you for all your hard work and helping us achieve our goal The process was a roller coaster but having Chris along side of us made the process easier. We appreciate everything youve done for us, thank you for being so patient. As first home buyers we didnt know where or how to start but knowledge is above and beyond. Well be back again when we are ready to buy our second property

Angel
19 June 2024

I got to work with Chris sometime last year and Its been a long journey since then but am very glad I got my first home settled and its all thanks to Chris
He is very professional and patient, answers all of my questions and explains the homeloan journey thoroughly. He also provides good advice around investments opportunities and market trends.
Definitely coming back in future and recommend him to all my familyfriends.
Thank you again Chris We finally made it

Mary
18 June 2024

It was a pleasure working with Chris. He and his team provided insightful advice, were patient and knowledgeable. He was always available and made my experience as positive and stress-free as possible. Highly recommend.

Trish
16 June 2024

Chris was absolutely amazing from the start. He understood our situation intimately as first home buyers and was completely transparent about the processes of obtaining a home loan. Will be returning to him for our financial matters in the future

Erin
16 June 2024

A big thank you to Chris who was incredibly helpful through out the process of refinancing

06 June 2024

Excellent mortgage broker. Highly knowledgeable, generous with his time and answering any questions that we had. Will definitely continue seeing him for any future loans we need. Highly recommended

Christopher
04 June 2024

Chris and his team were friendly and explained everything clearly and kept me in the loop every step of the way. Highly recommended

27 April 2024

Chris and his team have been an absolute delight to work with. They had great communication from start to finish and went above and beyond to make the entire process seamless. Thank you once again Chris. Youre amazing

Ilona
18 April 2024

Christopher was very helpful and accommodating in getting me a mortgage. He was able to show me a plethora of options that were tailored to my specific individual needs, from multiple different banks.
Also, with it being my first time applying for a loan, it was comforting to have Christopher guide me through the whole process. Dumbing down anything that confused me and exploring what each decisi... read more

Alex
08 April 2024

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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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.