Mortgage Broker & Home Loan Specialist in Kogarah, Brighton-Le-Sands, Rockdale & the southern Sydney suburbs

Call: 0431 708 806

Mortgage Choice in Kogarah offers an award-winning mortgage broking service across Sydney's southern suburbs. Anthony will find you the right loan deal on your home, vehicle and more.

Book your free no-obligation appointment today - after hours appointments available.

Call Us Mortgage Choice Kogarah
Mobile - 0431 708 806
Office - 1300 707 904

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

Address

Shop 1/2 Kensington Street KOGARAH, NSW 2217

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Your local mortgage broker helping Kogarah, Rockdale, Banksia & across South Sydney

Anthony Gentile is your Mortgage Broker in Kogarah, providing southern Sydney suburbs, including Banksia, Brighton-Le-Sands, Rockdale and the southern Sydney suburbs with award-winning finance expertise.

As a St George area local for over 45 years, Anthony has a passion for helping clients buy their first home or upgrade to a new family home.

Having built a property portfolio over the years, Anthony also takes pride in helping his clients to grow their own investment property portfolio. Your success is Anthony's ultimate goal.

No cost home loan service

There's really no reason not to call Mortgage Choice in Kogarah. Anthony Gentile has experience personally purchasing and investing in the local Botany Bay area, and understands how the market can be in the local areas.

Making sure you have a home loan that will work for you is important to ensure you're prepared for any changes that are on the horizon.

We'll do all the legwork

Looking at all of your options, and doing research is time-consuming and complicated - do you have time to run around and explore all your options?

That is where Mortgage Choice in Kogarah can help! Anthony will do all the paperwork with the Bank or lender you choose. You can forget about that stress and time you would normally have to commit to get a home loan - Anthony does it all for you. You can concentrate on finding your dream home.

I will assess your individual circumstances against hundreds of loans from our extensive panel of lenders. I will then time present the loans most suited to you, explain the ins and outs and answer every question you have, helping you make the decision that's right for you.

Our panel of over 35 lenders gives you access to hundreds of home loans, and Anthony can explore all of your options so that you know the home loan you choose the exactly the right one for your needs.

Meet with mortgage broker Anthony Gentile between 16 September 2024 and 6 December 2024 and you will automatically go into the draw for a chance to win $30,000. Plus, there are five $5,000 state-based prizes to be won. The winner will be announced on 17 December 2024. See the full details and T&Cs here.

Your mortgage broker for southern Sydney can assist you with:

Home loans
First Home Owner’s Grant
Pre approvals
Construction loans
Investment property loans
Refinancing
Debt consolidation
Personal loans
Car and other vehicle finance

Watch our guide to refinancing...

Call Anthony Gentile today on 0431 708 806 to talk through your options or to book an appointment.

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

Anthony was absolutely phenomenal. My husband and I explored a couple of different mortgage options through Anthony and he was nothing but helpful, patient and willing to go above and beyond to get us the best deal. He was extremely attentive and answered the hundreds of questions that we both had being our first home loan. Thank you Anthony for everything

Lenyia
16 September 2024

Anthony is great. He helped my husband and I with our home loan approval. He guided and advised us from the very beginning. He is very efficient, hard working, reliable, honest and kind. He has great communication skills. He is very helpful, always trying very hard for his clients. I will recommend Anthony to my friends and family without a doubt. Thank you Anthony. We had an excellent experience.

Laurianne
06 September 2024

Anthony helped me refinancing my existing home loan for a much lower rate which reduced my monthly repayments. He was extremely helpful is quick to respond to any queries. Even making time on a Saturday to catch up with me.

Thank you for making my life easier Anthony.

Rahul
27 August 2024

Anthony made our mortgage process seamless and stress-free. His expertise and deep market knowledge were evident from the start, and he was always available to answer our questions. Anthony took the time to understand our financial goals and found the best mortgage solution for our needs. If you're looking for a dedicated mortgage broker who will go above and beyond, we highly recommend Anthony.

Cindy
21 August 2024

Working with Anthony as my mortgage broker was a fantastic experience. He was knowledgeable, responsive, and dedicated, making the mortgage process smooth and stress-free. Anthony took the time to explain all my options and worked tirelessly to secure the best rates for me. His friendly and approachable demeanor made me feel supported and confident throughout the journey. I highly recommend Anthony to anyone in need of a reliable and personable mortgage broker.

Piper
25 July 2024

Anthonys service was excellent. He was both professional and informative, and very responsive with timely follow ups and keeping us up to date with progress. Very friendly, patient and solutions focused. He has now supported two of my adult children gain loans for their first investments. Grateful . Kathy

Kathy
11 June 2024

Highly recommend, professional and always providing honest an opinion.

Suzana
09 May 2024

As a first home buyer without the foggiest of an idea about how to even start, Anthony was phenomenal at putting our mind at ease - answering every question we had with honesty and professionalism, diligent in his work and timeframes and thoroughly guided us through the process all the way to settlement and beyond. Cannot express how thankful we are for all the hard work in helping us during the st... read more

09 May 2024

Anthony has been an absolute pleasure to work with over the past 8 years. He is extremely hardworking and helpful at all hours of the day. He goes above and beyond to help his clients. I highly recommend Anthony at Mortgage Choice in Kogarah.

adrian
07 February 2024

After using Anthony's services over the years, we trusted him to navigate the stressful task of refinancing our home loan after coming off our fixed rate. Anthony was super helpful, knowledgeable and informative and managed to get us the best rate possible with ease. He's also a really good bloke

Thanks Anthony

Marni
06 November 2023

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.

Download now

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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.