Mortgage Choice Campbelltown. Local Brokers, Expert Service.

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Call: 02 4628 8766

Are you Looking for help with your Home Loan or need a reliable Mortgage Broker to help you achieve your property dreams? Mortgage Choice in Campbelltown are your local Mortgage Brokers and Home Loans specialists.

Call Us Mortgage Choice Campbelltown
Office - 02 4628 8766

Open Hours Mortgage Choice Campbelltown
Mon - Friday 9am - 5pm
Free Appointment

Address

1/3 Allman St, Campbelltown NSW 2560, Australia

Latest home loan interest rates

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A message from Janelle Myhill at Mortgage Choice Campbelltown

My team and I are dedicated in being your local home loan experts and we’re here to help you navigate through the home loan process, we’ll take care of the legwork involved in finding the right home loan, from the preparation of your home loan application right through to the settlement, so you can spend your time doing the things you enjoy.

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.

Convenience

Our office is located in Campbelltown and we are more than happy to meet with you after hours or on Saturdays at our place or yours.

If you're ready to start your home buying journey, call Mortgage Choice Campbelltown on 4628 5622.

We do all the legwork

We professionally handle every step of securing your Home Loan. We have a thorough process in place to qualify you with our lender panel to find the most suitable options for you.

Once a lender is chosen we organise the required paperwork, order lender valuations, liaise with your real estate agent and conveyancer for a smooth transition to settlement.

"Thank you for all your hard work in getting us ready to purchase our first home and seeing us through to settlement. We love our new home, and would not have been able to buy it without you!"

- Rohan & Simone (First Home Buyer) Wentwoth Point

We love helping our clients, no matter where they are! Whether you are buying your first home, refinancing or investing, as your local Sydney Mortgage Choice broker, we can help you throughout the whole journey.

Figure out how much you could borrow for your next property with our home loan borrowing calculator.

Our services.

Contact Mortgage Choice Campbelltown this week to discuss your home loan requirements. We are ready to help you throughout this whole journey. Call us on 4628 5622.

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

Incredibly happy with the re-financing service provided by Janelle at Mortgage Choice Campbelltown. She went out of her way to secure the best deal for us. I would not hesitate to recommend her for any mortgage needs you might have. You will not find anyone who works harder for you. Can not rate highly enough.

Ginny
25 September 2023

Not sure where I would be without this guy in my corner. You can clearly see when you meet Garry that he has extensive knowledge in his area of work. Anytime I needed to ask an annoying question Garry was always there and answered the call, always putting my mind at ease. I have no hesitation in recommending Garry to anyone looking to buy a home. He makes the process so easy and simple. Truly grateful for all you have done for me and my family Garry. Thank YOU x

Amanda
17 August 2021

We have used Garry Parsons at Mortgage Choice on 2 occasions now, and went back to him because of his professionalism, excellent communication and promptness.
He is transparent, and thorough, and investigated our best interests each time and treated us like family.
Well done again Garry and team for your excellent service
We want the community to know that genuine people are working hard out there, and The team at Mortgage Choice Campbelltown have been wonderful.

Rickey
17 August 2021

Garry and team went above and beyond to help secure our first home loan, made everything so simple for us. Highly recommended. Thank you

Danielle
17 July 2021

Never going back to the banks. Having our own broker made getting finance such an easy process for us After getting the run around from one of the big 4 banks, we were referred to Garry who took all the stress away. He went above and beyond for us and we are so grateful Thank you for helping us own our dream home. Will be back for the next purchase

Kristy
17 July 2021

Thank you to Garry his team for their professionalism. Garry staff go above and beyond to take away the stress and get the best results when applying for loans. I have had several business and personal loans approved over the last few years and would highly recommend Garry his team.

17 July 2021

Garry is the very best - Helped myself my wife with our first home and now he has been able to help us with our second home - best experience I have had with finance - smooth, easy very knowledgeable. If you need finance come to Garry.
Thank you Garry from the Rutherford's you are the best in the business.

MAT
17 July 2021

Thanks for the hard work getting my loan approved

Jim
17 July 2020

Garry and the team went above and beyond to get our loan approved The whole team are so knowledgeable and dedicated to helping their clients. Thank you

Tara
17 July 2020

Excellent personalised professional and confidential service. We felt safe in sharing our financial information with Garry and Gina who made sure to find the best mortgage that suited our needs with the best available rate.

Heather
17 July 2020

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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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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Need help with your next home purchase?

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.