Local Mortgage Broker Jason Cho servicing Strathfield, Burwood, Lidcombe & wider Sydney

Call: 0436 606 834

Having an expert in your corner can make all the difference when navigating one of the most important financial milestones - your home loan. With over a decade in banking & finance, I can take the complexity out of the process and provide clear loan recommendations that are tailored to fit you. Let's work towards your next purchase - together!

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Call Us Mortgage Choice Lidcombe
Office - 0436 606 834

Open Hours Mortgage Choice Lidcombe
8AM - 8PM Monday to Saturday; Otherwise by appointment
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Lidcombe, Burwood, Strathfield, Croydon, Five Dock, Concord, Inner West, Rhodes and surrounds

Latest home loan interest rates

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The right advice makes all the difference

As a Mortgage Broker and passionate property investor, I understand firsthand how complex the loan process can be. That's why I'm committed to using my years of banking experience to help my clients make informed decisions and get a competitive loan.

My service includes:

Plenty of options: As a Mortgage Choice Broker, I have over 35 lender partners on our panel, from the big banks to smaller specialist lenders. I'll review the market and offer reliable, transparent advice to help you make sense of your options.

A trusted representative: I'm your advocate with the banks, ensuring we get a loan that's truly in your best interests. I'll research your options and negotiate with the lenders, so you don’t have to.

Loan management: From the initial paperwork to finalising your loan, I handle all the heavy lifting to ensure the process is as easy and efficient as possible.

I don't charge to find the right loan

As a Mortgage Choice Broker, I’m paid by the lender you choose once your loan is settled, so you get expert help without any hidden fees. In some limited circumstances, your broker may charge a fee, which would be discussed with you before proceeding.

Get an expert in your corner

My priority is that you can access expert advice, easily. I can meet in Strathfield, Burwood, Lidcombe or wider Sydney, or I'm happy to chat by phone or video. I proudly offer my services in either English or Korean.

Call 0436 606 834 Book an appointment

I can help with your:

Home loan
First home loan
Investment loan
Refinancing
Debt consolidation
Personal loan
Business loan
Car loan
and much more!

With you through the process

What does a Mortgage Broker do?

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

It was pleasure working with Jason. Very patient and understanding nature throughout the process while working together.

Priyank
16 April 2025

Jason took the time to explain the whole process from start to finish. We had lots of questions and he took the time to answer via text and calls.
He made the process effortless and stress free of buying our first home
I highly recommend Jason

john
13 April 2025

Jason is a consummate professional who can take care of you through what is likely to be the biggest financial decision of your life. He is knowledgeable, asks the right questions and has your best interest at heart. Would recommend him to anyone looking for great home loan options with the best rates

Simon
10 April 2025

I could not recommend Jason enough. He brings a highly professional approach to all that he does and you can tell he genuinely cares for his clients. You will not regret it

Justin
08 April 2025

Very reliable and easy to deal with. Highly recommended.

Ace
08 April 2025

trustworthy

Francis
08 April 2025

Great guy, very knowledgeable and patient. Can't go wrong.

K
30 March 2025

Jason is approachable and is an expert in his field. When it comes to big decisions, it's important to find someone who is trustworthy and is able to explain things simply. Give him a call and see for yourself

Young
20 March 2025

Jason is very professional and knowledgeable. I highly recommend him as he was quick across to meet my needs.

Samuel
20 March 2025

The best Thanks Jason

Regina
20 March 2025

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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You could borrow up to

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/ month
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Remaining

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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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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Total fees:

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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.

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