Your mortgage broker & home loan specialist team for Blacktown, Quakers Hill & the surrounding areas

Call: 0413 041 457

Mortgage Choice in Blacktown offers an experienced & professional mortgage broking service across the Greater & Western Sydney area.

For expert help with your finances, book your free, no-obligation appointment today.

Call Us Mortgage Choice Blacktown
Office - 0413 041 457
Fax - 02 8814 8277

Open Hours Mortgage Choice Blacktown
Monday - Friday 9.00am - 5.00pm
Saturday by appointment only
Free Appointment

Address

1/76 Sunnyholt Road BLACKTOWN, NSW 2148

Latest home loan interest rates

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Your local mortgage broker team, providing finance expertise to Blacktown & across Sydney

Our Blacktown mortgage broker experts have extensive knowledge of the credit policies and lending products of all the major lenders and many smaller lenders as well.

Owner and mortgage broker, Guy Lawrence has built his finance knowledge over 30 years in the Banking and Financial Services sector, specifically in mortgage lending.

If you're looking at buying your first home, planning to renovate your current home, relocating, looking to purchase an investment property or simply wanting to refinance to save some money... Guy and his team are here to help you!

Convenience with the benefit of choice

It's simple to get started - book an obligation-free chat to discuss your goals. Our team is always willing to meet at a time and place that suits you.

Our experts will review all of the lending products from our wide panel, including the big banks, to present you with a choice of loans and lending strategies that will be suited to your needs.

We have access to over 35 lenders, including all of the major banks and many smaller lenders who offer tailored products to fit your needs, no matter the challenges you may have faced with approvals in the past.

This video further explains what makes Mortgage Choice in Blacktown different to other mortgage brokers, and why you should come to us first for your lending needs.

Our services

No matter what your financial position is or what type of finance you need, our team can help. We have extensive experience across a broad range of finance products that include:

Home loans
Investment loans
Commercial loans
Personal loans
Deposit bonds
Insurance
Car loans
Leasing & chattel mortgages

Give us a call today to find out how we can assist you. We're certain that you will be pleasantly surprised at how many options are available.

Talk to Mortgage Choice in Blacktown before relocating

If you're considering moving home then you'll need to review your finances. The home loan that you first took out when you purchased your current home loan may have been right for your situation at the time however with so many new products entering the the market all the time, you'll want to make sure your home loan is still working hard for you in the future.

Reassessing your situation will give you peace of mind that you are either doing the right thing by your finances or that you need to make changes.

What's next?

Let us help you with a range of assistance to get you on the path to owning your first or next home sooner. 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.

Why don't you...

Book a "Home Loan Health Check" to make sure your rate is the right one for you
Find out if you're eligible for the First Home Owner's Grant
Find out how much you can borrow right now!

Contact us today!

Contact Blacktown mortgage broker, Guy Lawrence today on 0413 041 457 or book online at a time that suits your schedule.

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

Guy and Betty did a great job of finding me a mortgage on my unit. Their communication and knowledge was fantastic throughout and they are both lovely people to engage with. I highly recommend Mortgage Choice.

Jennifer
05 November 2024

Very professional and knowledgeable regarding the details, complexity, and client stress experienced within processing a mortgage. Not only was Guy Lawrence fantastic in guiding and processing our mortgage but he was also personable and had the ability to relate to us and our specific needs. Patient and understanding of our many questions and queries........We recommend Mortgage Choice Blacktown ownermanager Guy Lawrence to you

chris
19 October 2024

Thanks to Guys knowledgeable advice we are now in a better financial position. Betty also helped to make us feel supported as she worked to keep the loan application moving forward as quickly as possible and provided information in completing the required documentation. We truly felt we were in safe hands with this great team.

Alexandra
02 October 2024

I have used Guy and Betty from Mortgage Choice for the third time, and once again, they have provided an exceptional service. Their expertise and knowledge in the mortgage industry are impressive. They are responsive, reliable, and consistently find the best mortgage options for me. I highly recommend Guy and Betty from Mortgage Choice for their outstanding service and professionalism.

Zoe
24 September 2024

Guy Betty at Blacktown Mortgage Choice are absolutely amazing.
Can't Thank them both enough for all there help.
I highly recommend these guys.

Ricky
19 September 2024

Went through Guy at mortgage choice in Blacktown for our home loan, from the moment we made an appointment, he made us feel so comfortable. Guy is so easy going, down to earth talks to you that you understand what everything means. Then once your applications get started Betty gets in contact with you. Bettys communication is out standing, not matter if there isn't any updates Betty will let you know... read more

Julie
18 September 2024

Our experience with Mortgage Choice Blacktown was outstanding. Guy and Betty are not only friendly and approachable but also incredibly knowledgeable. They consistently go above and beyond to ensure satisfaction, making every interaction a positive one. Their dedication and expertise are evident in the quality of service they provide. I highly recommend their services to anyone interested, as they truly stand out in their commitment to excellence.

Michael
17 September 2024

I had an outstanding experience with Guy's team as my home loan broker. They provided exceptional service, guiding me through the complex process with ease and professionalism. Both Guy and Betty have an incredible depth of knowledge in this domain, always available to answer my questions.

They took us through all the necessary steps, ensuring we understood the process.
I highly recommend them to a... read more

Vinay
16 September 2024

Guy and Betty were fantastic to work with This was our first home purchase so it all felt a bit daunting and overwhelming, but everything was explained clearly and all of our questions and concerns were thoroughly answered in quick replies to emails and phone calls. We felt fully supported all the way and trusted that Guy and Betty had our best interests in mind. We recommend them whole-heartedly

Aaron
11 September 2024

I have been a client of Mortgage choice Blacktown for a number of years now. They have assisted me with a couple properties in NSW and interstate. Both Guy and Betty are easy to work with, knowledgeable, and above all else very patient I have always found it easy to get in touch with them and they advise you in an open, honest, and human way. I recommend you speak with Mortgage Choice Blacktown to help you with your property.

Jo
08 September 2024

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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.