Nicole Nation - local Mortgage Broker for St Marys, Penrith and surrounding suburbs

Call: 0412 709 700

We are a family run business in the Western Sydney suburb of St Marys. We give professional caring advice to all of our clients and have been doing so for over 27 years! Call our office today (02) 9833 8177 or book an appointment using the link below to see how we can help you too

Call Us Mortgage Choice St Marys
Mobile - 0412 709 700
Office - 02 9833 8177

Open Hours Mortgage Choice St Marys
M-F 9am - 5pm
Sat by Appointment
Free Appointment

Address

1/211 Queen Street ST MARYS, NSW 2760

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BOOK AN APPOINTMENT OR GET STARTED TODAY

Our office is located in Queen Street, St Marys, we opened our doors 27+ years ago. During that time we have been able to assist thousands of clients.

WINNER OF MT DRUITT / ST MARYS LOCAL BUSINESS AWARDS!

We do all the research for you

Our mortgage brokers in St Marys will make your life easy and provide you with the information and advice you need to make the right decisions with your finances. We work hard to ensure the home loan application is a straight forward process for you, so you can concentrate on finding your dream property!

We do this by researching different loan options on your behalf, completing the paperwork for you and of course following up with the lender.

Mortgage Choice St Marys offer a full range of financial services including:

Start your home loan journey today

Our team are dedicated to providing service beyond expectation and will leave no stone unturned to ensure you buy your dream home, buy that important investment property or simply ensuring you have the best mortgage product to suit your needs at the best rate available.

BOOK AN APPOINTMENT

Our services don't end with Home Loans; we are able to offer you more choice for:

Car Finance
Car Buying Service
Personal Loans
Vehicle Leasing
Equipment Finance

What makes us different? In a nutshell, we act for our clients, not the lenders!

At Mortgage Choice St Marys, 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.

Don't take our word for it, take a look at what some of our loyal clients had to say about our services.

"Nicole has been extremely helpful throughout the whole process and was always only a phone call away whenever my partner or I had any questions. Would definitely recommend to first home buyers or anyone who doesn’t know much about buying a house!"

- Leah

For further information, please direct any enquiry to our office on 02 9833 8177 or call Nicole direct on 0412709700. We would love to help you!

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

Nicole and her team are very professional. They help us to have a good understanding about refinancing and get the best product that suit our budget. Nicole gave us the good news from the start and the great news at the end. 100 recommend Nicole and her team to anyone looking to refinance or need help with their home loan...
Thanks again Nicole.

Heremani
03 June 2025

It's been 16years since we've been well looked after by Mortgage Choice St Marys- Nicole Nation provided an amazing fast service as a broker for all our needs. She made everything run smoothly for us. We highly recommend Nicole amd her hard working team at Mortgage Choice St Marys

Pepe
03 June 2025

Thanks Nicole and team for your help with our recent refinance . Really appreciate all the support and guidance from
Nicole and her team. Everyone was fantastic to deal with and kept us informed throughout the process. Highly recommend Nicole to anyone else seeking assistance with their home loan finance.

Cheryl
28 May 2025

Nicole and her team at Mortgage Choice kept us updated with the entire process, making the entire experience easy and reassuring.

We would recommend Mortgage Choice St Marys to anyone.

Thank you for your support and focus for fantastic finance options.

Renee
24 May 2025

Thankyou to Nicole and her amazing team, for making the process of applying for a mortgage, straightforward, and easy to understand. Nicole is professional and friendly, and made the process easy, by offering support and guidance with every step. Nicole and her team exceeded my expectations. I highly recommend Mortgage Choice St Marys.

Maryanne
11 May 2025

Nicole and the team at Mortgage Choice St Marys were very professional and wonderful to deal with. Always keen to help with enquiries and spend the time to explain the complex processes for getting set up with buying a house. We would most definitely use them again and cannot recommend them enough for others seeking help navigating through the process of buying a home.

Guppy
09 May 2025

Nicole Nation and her team at Mortgage Choice St Marys are fantastic Working within short time frames Nicole went above and beyond to keep us updated during our loan process, not missing a thing she listened to what we wanted and made the whole experience super easy and stress free. Thank you Nicole Nation and team We would recommend you to anyone -

Leah
07 May 2025

Having recently used Nicole and her team to secure a home loan i cannot speak more highly of their dedication and willingness to get the job done.Nicole and her team spent many phone calls some as late as 9pm at night to makesure we got the best result possible.

The level of proffesionalism and dedication to us as customers was amazing.

I cant speak highly enough of the Nicole and the team that she has built.Will be ever thankful for helping us achieve what we thought was out of reach.

Mick
07 May 2025

Nicole and her team listened to what we wanted and was able to provide us with options suitable to our needs. Very responsive and helpful they guided us through the process keeping us updated through each step. We would have no hesitation in recommending Nicole for anyone looking for a better deal on a home loan.

Sandie
20 March 2025

Nicole was fantastic from start to finish. I needed to remortgage. Nicole and her team made it easy and supported me through the process. I have been with Mortgage Choice for all my home loans for 25 years. I highly recommend Nicole when it comes to finding the right home loan.

Jenny
24 February 2025

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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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.