Why Choose Us?

The HOME LOAN OFFICE ™ ( thlo ) is a local Sydney mortgage consulting business with a global service vision. Our Service is Free but Superior. But please don't just take our word for it.

Reputation

You may often hear that the best way to find a reliable and credible mortgage broker is by a recommendation from someone you know and trust; your family members and friends. You can be assured of our service quality as most of our new customers are friends and family of our existing customers. Please read our Service Commitment.

Would you like to know about Our Free First Home Buyer Seminars?

What Our Customers Say About Us - Testimonials

See what our current customers say about The HOME LOAN OFFICE ™ ( thlo ) and our service.

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The HOME LOAN OFFICE ( thlo ) helped my husband and I, refinancing our home loan and he then helped our children with getting their first home. He explained everything to us in detail and we knew exactly what to expect as well as understanding the process step by step. Our consultant could be reached at any time, even when he was overseas on holiday.

Sandy, Medical Practice Manager, First Home Buyer & Refinance, Glebe - Sydney, NSW

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The HOME LOAN OFFICE ( thlo ) was recommended by a friend. We found THLO staff's level of product and procedural knowledge in obtaining our home loan to be excellent, saving us time and money. Our consultant took the time to explain the process, presenting different home loan options and help to determine refinance costs and borrowing limits. Dealing with The HOME LOAN OFFICE ( thlo ) is very easy. Most things were taken care of. Their staff are accessible 7 days and nights, by phone and personal visit. The service is excellent and is more like on a personal basis, showing that they care. I would absolutely recommend THLO to family and friends and use them again. I would say to home loan shoppers out there "Try The HOME LOAN OFFICE ( thlo ), you'll be amazed and definitely be happy wih the results".

Marlon, Warehouse Manager, Refinance, Stanhope Gardens - Sydney, NSW

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My friend had recommended The HOME LOAN OFFICE ( thlo ) to me. Great Staff, Good product......we have learnt lot from them. We had Zero knowledge about whole process before we met our broker from The HOME LOAN OFFICE ( thlo ). Very easy to contact...fantastic service..

Donna, Accounts Clerk, First Home Buyer, Wenthworthville - Sydney, NSW

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I was put onto The HOME LOAN OFFICE ( thlo ) by a friend and found them to be very helpful and friendly, they were also very quick to answer any questions I had. That's why I had no hesitation in recommending them to family.

Ivan, Programmer, Property Investor, Green Valley - Sydney, NSW

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We really appreciated the service…have recommended The HOME LOAN OFFICE ( thlo ) to family and friends and will continue to do so. Through our recommendations a number of our close friends have successfully taken home loans…Very informative and helpful. We were given various options and those options were discussed to understand what best suit our needs and requirements. With this being our first home loan, there were many obstacles to overcome which we did with the help and direction of our consultant.

Eshani, Business Development Manager, First Home Buyer, House and Land Package, Kellyville - Sydney, NSW

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I had obtained an investment home loan using The HOME LOAN OFFICE's ( thlo ) services before. I went back to him for my 3rd home loan as I was happy with the result last time. I found THLO staff’s level of product and procedural knowledge to be of a higher standard than other brokers I had previously tried to deal with. They really research thoroughly. I recommend THLO to family and friends and definitely would use them again.

Matt, Security Manager, Property Investor, Blacktown - Sydney, NSW

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THLO staff had an intimate knowledge of the products they were offering. They also clearly identified the key differences for each of the products as well as detail pros and cons for each product which made it easy for us to make an informed decision. The consultant was always courteous, friendly and professional. Once we handed all the supporting documents everything was taken care of. We were constantly updated on the progress of the application.

Priyanga, I.T. Engineer, First Home Buyer, House & Land Development, Rouse Hill - Sydney, NSW

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We can honestly say that The HOME LOAN OFFICE ( thlo ) provided us with an exceptional and professional service. He assisted us by giving us unbiased, competent, honest and practical advice that made things a lot easier for us. Reliability, Integrity and a Very Commendable after sales assistance is what you can expect from The HOME LOAN OFFICE ( thlo ).

Nona & Angel, HR & Finance, First Home Buyer, Quakers Hill - Sydney, NSW

Please Click ON LINE APPLICATIONS For Big Savings!

Please Click INQUIRY or Call Us on 1800 456 284 to Request a Free Appointment with A Certified Mortgage Consultant.

First Home Buyer Advice

Our interests with our customers are long term and many of our customers are repeat customers. We think that our customers returning to us again is the ultimate reward for serving them right in the first place.

That's Our Service Commitment!

Support and advice is needed most when you are looking to buy your First Home , when suddenly you have to familiarise yourself with the Unknown. You instantly find yourself dealing with real estate agents, solicitors and start hearing terms you have never heard before, cooling off, LVRs, torrens title, exchange of contracts. We know how you feel as we have all been there; not only you have to juggle the sales pressure coming from the agent "I have several buyers who are very keen on this property, you may lose out if you don't hurry up!", list of requirements coming from the lender, and your solicitor finding issues with the property, "Did you know that your property is seriouly affected by easements?". "Now what did those mean?" you may start asking yourself. There is no reason to start worrying if you are getting The HOME LOAN OFFICE ™ ( thlo ) help you arrange your first home loan and provide you support to buy your first home.
Make The HOME LOAN OFFICE ™ your First HOME LOAN OFFICE!

At The HOME LOAN OFFICE ™ ( thlo ) we really enjoy Guiding First Home Buyers through the process and helping them at every stage of buying their first home. We encourage all first home buyers to keep the dream alive even when they have little cash to contribute. We demonstrate in easy language and without jargon that a first home buyer can afford to buy a typical home with an approved home loan and around $0 to $3,000 in savings or gift from family. We also help with information on government help for first home buyers, the savings initiative which starts on 1 October 2008, First Home Saver Accounts (FHSAs), providing tax concessions and Government contributions, coupled with higher returns than savings accounts. We have proved to countless customers how easy it is to buy their first home with the right advice at the right time. As a result of many happy and memorable experiences by our customers, they have referred many of their friends to our professional and dedicated service.

Our personal, friendly, approachable, and advice orientated service shows understanding of customers' needs and particular circumstances, followed by a planned method of home buying. This ensures that the stress element is removed and our customers are always surprised by how easy the whole process becomes. As we also help our customers with their Deposit Bond and the application and processing of the $14000 or $24000 First Home Owners Grant and finding of a professional legal representative for their Conveyancing; the whole experience becomes so enjoyable, their family and friends become slightly puzzled.

In fact, over the years we have become a specialist in helping people buy their First Home with particular knowledge of the No Deposit range of products (100% of purchase price) that our customers return just a few short years later to start purchasing Investment Properties, again with our guidance and advice.

If you are a new migrant arrived in Australia in the last 6 to 12 months on a permanent residency visa, temporary spouse visa, or a Section 457 visa like many of our customers, we show you the way by qualifying you for a home loan with the banks that accept you without pre-judice on standard lending policy (and interest rates) and by providing information on Foreign Investment Review Board permits. We act as your professional local mortgage broker, providing a free service to you.

Please Click INQUIRY or Call Us on 1800 456 284 to Request a Free Appointment with A Certified Mortgage Consultant.

First Home Buyer Seminars

Are you looking for some expert home loan advice on how to go about buying your first home, improving or refinancing your current home loan or investing in property for the first time? Our Free Home Loan and First Home Advice Seminars provide a relaxed environment where you can ask as many questions as you like and get the expert home loan advice you have been looking for in just 1 hour. Please Register for our First Home Advice Seminars here.

What do you look for in a home loan, what are the costs involved, which type of home loans are suitable and how does the whole process work? These are just some of the topics we cover, all obligation free! That's Our Service Commitment!

Sydney Suburbs under $500,000 - Increased Government Grants

Whether buying an existing home or building for your first home in Sydney is a matter of personal choice. The areas where recently built homes are abundant under the $500,000 first home buyer threshold include the desirable South Western Sydney suburbs of West Hoxton, Carnes Hill, Hoxton Park, Cecil Hills, Prestons, Heckenberg, Hinchinbrook and Green Valley; the affordable Western Sydney suburbs of Woodcroft, Rooty Hill, Plumpton, Oakhurst, Hassall Grove, Dean Park, Glendenning, Mt Druitt, Erskine Park, St Clair, Werrington County, Penrith, Doonside, Marayong, Blacktown and St Marys; and the desirable North Western Sydney suburbs of Quakers Hill, Acacia Gardens, Schofields, Parklea, Glenwood, Stanhope Gardens, Kellyville Ridge, Rouse Hill, Castle Hill, Kellyville and Baulkham Hills. The $500,000 is a first home buyer threshold for stamp duty exemption in New South Wales as well as for most banks for low deposit or no deposit home loans. Some banks allow the use of $14,000 grant as your contribution towards the purchase.

The areas where you can find new land for sale under $300,000 include Rouse Hill, Kellyville Ridge, Stonecutters Ridge, Ropes Crossing, Woodcroft, Stanhope Gardens (Newbury) and The Ponds. If you already have land in Sydney, you may wish to get into a building contract now to benefit from the $24,000 first home buyers grant that is available until the end of June 2009. Some banks will consider low deposit construction loans.

Please Click INQUIRY or Call Us on 1800 456 284 to Request a Free Appointment with A Certified Mortgage Consultant.

Popular Sydney Suburbs for First Home Buyers - Last 8 years

Sydney's South Western and Western Suburbs have remained top locations for first home purchases in New South Wales.

New South Wales Office of State Revenue reports that in the 8 year period from July 2000 to June 2008, the top 20 suburbs for claiming First Home Owners Grant were Liverpool (6410 approved applications), Campbelltown (4905), Wentworthville (4281), Blacktown (4183), Cabramatta (4075), Gosford (3587), Mt Druitt (3733), Bankstown (3012), Wagga Wagga (3505), Quakers Hill (2819), Baulkham Hills (2486), Kellyville (2605), Hornsby (2555), Penrith (2670), Wyong (2616), Parramatta (2366), Dee Why (2507), Fairfield (2456), Hinchinbrook (2579), and Glendenning (2586).

For more information, please visit Fact Sheets section of our web site.

Your Sydney Local Certified Mortgage Consultant Brokers with Local Support & Knowledge

We service All Sydney Suburbs and we visit the following suburbs regularly: Ashfield, Auburn, Bankstown, Baulkham Hills, Blacktown, Stonecutters Ridge, Blue Mountains, Botany Bay, Burwood, Campbelltown, Cabramatta, Canada Bay, Canterbury, Dee Why, Fairfield, Glendenning, Gosford, Hawkesbury, Hornsby, Hinchinbrook, Hunters Hill, Hurstville, Kellyville, Lane Cove, Leichhardt, Lithgow, Liverpool, Manly, Marrickville, Mosman, Mt Druitt, Newcastle, North Sydney, Parramatta, Penrith, Pittwater, Quakers Hill, Randwick, Richmond Valley, Rockdale, Rouse Hill, Ryde, Strathfield, Sutherland, Sydney, Waverley, Wentworthville, Wollongong, Woollahra, Wyong, Oakhurst, Hassall Grove, Dean Park, Plumpton, Woodcroft, Parklea, Acacia Gardens, Stanhope Gardens, Hills District, Glenwood, Lalor Park, Kings Langley, Kings Park, Norwest, Beaumont Hills, Castle Hill, Bella Vista, Winston Hills, Marayong, Eastern Creek, Kellyville Ridge, Seven Hills, Melbourne, Prospect, Girraween, Doonside, Rooty Hill, Minchinbury, Erskine Park, St Clair, Colyton, Oxley Park, Claremont Meadows, St Marys, Orchard Hills, Kingswood, Heckenberg, Five Dock, Epping, Moorebank, Prestons, Casula, Cambridge Park, Cranebrook, Werrington, Hoxton Park, Mc Graths Hill, Westmead, Schofields, Kenthurst, Riverstone, Box Hill, Oakville, Vineyard, Bligh Park, Green Valley, Windsor, Marsden Park, Ingleburn.

We are your Sydney Local Certified Broker with the Local Service & Local Advice.

We provide local service in Sydney where Professional Service, Honest, Competent and Practical Advice is Appreciated. We visit all Sydney suburbs where Reliability, Integrity, Confidentiality and After Sales Service are sought after qualities.

Whether you would like to inquire about a loan that you have already decided on; wish to browse; use our Free Mortgage Calculator to estimate your home loan repayments for terms of up to 40 years, do more calculations or check out the current finance news in Our Mortgage Calculators & Finance News Section, or would like our qualified staff contact you, think The HOME LOAN OFFICE ™, where we believe Service is Everything !