Mortgage broker in Colebee, Marsden Park & Schofields

Call: 0413 184 184

As your local Mortgage Choice Broker in Colebee, Terence Hammond promises to give you honest, helpful advice that you can rely on. We help clients find the right home loan to buy or refinance property. Let us do the hard work for you!

Book your free no-obligation appointment with us today.

Call Us Mortgage Choice Colebee
Office - 0413 184 184

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Monday - Friday: 9:00am - 5:00pm
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Mortgage brokers in Colebee, Marsden Park & Schofields

With a family background in construction, Terence Hammond lives and breathes property, a passion that has led him to help others fulfil their home-owning dreams. Having been on the other end of the buying process many times, Terence understands how confusing it can be and is an expert at breaking down complicated issues, so they are easy to understand.

Whether you’re a property beginner or an investment expert, Terence Hammond has got the expertise to support you through your journey as you plan for your future. As your local Mortgage Choice Broker in Colebee, Terence promises to give you honest, helpful advice that you can rely on.

Contact Terence today!

How Our Team Can Help You

We Find You the Best Deal

Every dollar counts when it comes to your home loan. As Mortgage Choice
Brokers, we have access to over 35 lenders, including major banks and
specialist lenders. We take the time to understand your financial goals and
match you with a loan that maximizes your potential.

Your Needs Come First

Your goals are our priority. We start by discussing your requirements in detail and crafting a personalised strategy to help you secure your next property. From negotiating with lenders to finding a competitive deal, we’re focused on achieving the outcome that works best for you.

We Handle the Hard Work

No need to stress over paperwork or long waits on hold with the bank. Our
team manages the entire loan process from start to finish, ensuring the experience is simple and stress-free - because that’s what truly makes a
difference for our clients.

Unbiased, Expert Advice

We don’t play favourites with lenders. Instead, we provide independent,
professional advice tailored to your needs. With our experience and insight,
you’ll have confidence in every decision.

Expert Support, On Your Schedule

We know life is busy, so we’ll meet you at a time and place that works for you. Whether you’re buying your first home, upgrading, or investing, we’re here to help you find the right home loan option.

Get in touch today to get started!

Services We Offer

Our team provides a wide range of financial services to suit your needs, including:

Home Loans
Property Investment Loans
Refinancing Your Existing Property
First Home Buyer Support
Construction Loans
Commercial Finance
Debt Consolidation
Car Loans and Personal Loans
Business Equipment and Asset Finance
Life and Income Protection Insurance
Estate Planning and Wills

Servicing Blacktown and The Hills Shire

We proudly support clients across Blacktown and The Hills Shire, including areas such as:
Baulkham Hills, Bella Vista, Box Hill, Blacktown, Castle Hill, Colebee, Gables, Glendenning, Kellyville, Kings Park, Marsden Park, Oakhurst, Plumpton, Quakers Hill, Riverstone, Rooty Hill, Rouse Hill, Schofields, Seven Hills, Stanhope Gardens,
Tallawong, The Ponds and Woodcroft.

Why Choose Us?

With access to a panel of over 35 lenders and hundreds of products, we specialize in finding the right financial solution tailored to your needs.

Whether it’s securing a competitive home loan, planning your estate, or financing your next big purchase, we’re here to guide you every step of the way.

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

We recently had the pleasure of working with Terence as our mortgage broker, and we cannot recommend him highly enough. He was instrumental in guiding us through a complex period of simultaneously purchasing a new property, selling our existing one, and refinancing our investment property.

Terence truly went above and beyond to secure the best loan options tailored to our unique circumstances. His... read more

Melissa
25 June 2025

Im really appreciate Mortgage choice and what Terence helping me to get my home loan approval in less than 3 days i m really appreciate
Terence is a very good person honest get you to the right track
I recommend mortgage choice to every one who is looking to buy a house
All the best .

Triza
24 June 2025

We recently bought and IP with Terence as our mortgage broker. He was clear in his communications and easily reachable for any questions we had through out the process.
We got our finance approved through him quickly and efficiently and he managed to get us the best rate possible when comparing what we directly got by going straight to the big 4 banks. We highly recommend his services for anyone out there looking to purchase property.

Devin
24 June 2025

We had the pleasure of working with Terence Hammond and his team and I can't recommend them enough From start to finish, they were consistently available to answer any and all of my questions, making the entire mortgage process feel seamless. Their professionalism and efficiency were evident every step of the way they explained everything in a clear, easy-to-understand manner and ensured I felt co... read more

Ferdy
24 June 2025

I was recommended to Terence through a family friend and I'm so glad I was, his experience and expertise has helped me all the way through my journey to buying an apartment. Terence is very attentive and patient, and answered all my questions. I felt comfortable the whole time, unlike what other brokers have made me feel.

Apple
24 June 2025

Terence was an absolute god send. My wife and I weren't sure we would be able to purchase a home at all and were confused by the process, but Terence took great care to explain all of the options open to us and to find the best solution so the next day we were able to put an offer in on our dream apartment. He was helpful throughout the whole process and quickly answered any questions. Would highly, highly recommend to anyone looking for mortgage advice.

Tom
24 June 2025

I had the pleasure of working with Terence and his team on a recent property purchase. Terence was extremely thorough and professional, allowing a very quick turnaround time from enquiry to unconditional. Terence was able to say yes to our deal where other brokers could not. I would happily and highly recommend Terence.

Grant
19 June 2025

I worked with Terence to refinance my home and secure financing for an investment property. He made the entire process smooth and stress-free, offering great advice and competitive loan options. Communication was clear and timely throughout. Highly recommend for anyone looking to refinance or invest Terence really knows the market and delivers results.

Fran
19 June 2025

Working with Terence has been an amazing experience. He goes above and beyond to get the best deal for his customers. He is extremely knowledgeable, ensures that he explains the process in detail and ensures that you are kept abreast during the process. I would strongly recommend anyone who is looking to financerefinance to give Terence a call.

Ruan
19 June 2025

Recommend Terence 100 he was very helpful and guided me into choosing the best option for me. English is not my first language but Terence made everything really easy to understand. Will definitely go to him again for any future purchases

Dimitris
18 June 2025

Moving home checklist

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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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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.

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