Mortgage Broker in the Hills District
Our office is at 33 Oakhill Drive, Castle Hill, so Hills District clients can meet us in person. We compare home loans from more than 40 lenders for buyers, upgraders and investors from Baulkham Hills to Box Hill.
365 Home Loans at a glance
Open 7 days, 6am to 8pm Sydney time. In person, by phone or on Zoom.
Hills District suburbs we cover
Each suburb has its own page with example purchase costs, stamp duty and local lending notes.
Castle Hill 2154
Our home suburb. Apartments near the Metro and Castle Towers, townhouses, and established family homes.
Castle Hill home loansBaulkham Hills 2153
An established family suburb minutes from our office, with many upgraders and investors.
Baulkham Hills home loansBella Vista 2153
Beside the Norwest business park, with executive homes and newer apartments near the Metro.
Bella Vista home loansKellyville 2155
Next door to Castle Hill, with larger blocks and newer estates around the Metro.
Kellyville home loansRouse Hill 2155
A town centre with Metro access and a mix of established and new estates.
Rouse Hill home loansBox Hill 2765
One of the newest land-release suburbs in the north-west, where many buyers are building.
Box Hill home loansNearby in the north-west: Schofields, The Ponds, Marsden Park. We also help buyers and business owners in Norwest, Glenhaven, Cherrybrook, West Pennant Hills, Dural, Beaumont Hills and Kenthurst.
What Hills District buyers ask us about
First home buyers
Most Hills houses sit above the $800,000 NSW first home duty exemption, so first home buyers here usually start with a unit or townhouse. We work out what your deposit reaches before you start inspecting.
Upgrading within the Hills
Selling and buying in the same market takes planning. We look at simultaneous settlement and bridging finance before you list your current home.
Building in the new estates
Buying land in Box Hill, Kellyville or Rouse Hill and building? We handle land settlement, builder contracts and staged construction drawdowns.
Self-employed and business owners
Many of our Hills clients are self-employed or run a business from Norwest. How a lender treats your add-backs often matters more than the advertised rate.
Refinancing
Bought in the Hills a few years ago? We check a current valuation and your loan balance to see your usable equity, then compare your rate against 40+ lenders.
Investors
Using equity in your Hills home to buy an investment property? We set up the loan so the investment debt is kept separate from your home loan. For tax treatment, speak to your accountant.
What it costs to buy here
Prices in the Hills run from apartments near the Metro stations to family homes well above $2 million, so the help available depends on what you’re buying. These examples show how NSW stamp duty changes across six suburbs.
| Suburb | Example purchase | Duty (standard) | Eligible first home buyer |
|---|---|---|---|
| Castle Hill | Established 2-bed apartment near the Metro, $880,000 | $33,787 | $15,674 |
| Baulkham Hills | Established 2-bed unit, $800,000 | $30,187 | $0 |
| Bella Vista | Established 2-bed apartment near the Metro, $760,000 | $28,387 | $0 |
| Kellyville | New 3-bed townhouse, $1,150,000 | $45,937 | $45,937 |
| Rouse Hill | Townhouse just under $1 million, $990,000 | $38,737 | $37,227 |
| Box Hill | Vacant land lot, $820,000 | $31,087 | $31,087 |
- Up to $800,000: an eligible first home buyer pays no duty on an existing or new home.
- $800,000 to $1 million: duty is reduced on a sliding scale.
- Up to $1.5 million: the 5% Deposit Scheme lets eligible first home buyers buy with a 5% deposit and no LMI.
- Above about $2 million: lender appetite and maximum LVR can change, so we compare lenders on policy as well as rate.
How duty is worked out: NSW stamp duty guide. Work out your own figure with the stamp duty calculator. Each lender makes its own assessment when you apply.
33 Oakhill Drive, Castle Hill NSW 2154
Open 7 days, 6am – 8pm Sydney time. We take walk-ins (call first so we're here) and book back-to-back appointments during auction weekends.
- Parking: Free on-site
- Transport: 5 min from Castle Hill Metro Station
- Meeting rooms: Private, quiet, laptop-friendly
- After hours: Evenings & weekends by appointment
The Metro and what it means for your loan
The Sydney Metro runs through the Hills, with stations at Castle Hill, Hills Showground, Norwest, Bella Vista, Kellyville and Rouse Hill. New apartments have been built around several of them. Lenders treat a new apartment near a station differently from an established house on a full block, including how much they will lend against it, so we check lender policy on the property type before you commit.
Upgraders in the Hills usually face a timing problem: selling and buying in the same market. We work out whether simultaneous settlement or a bridging loan suits before you list.
Hills District home loans: common questions
Which Hills District suburbs do you cover?
All of them. We have local pages for Castle Hill, Baulkham Hills, Bella Vista, Kellyville, Rouse Hill and Box Hill, and we also help buyers in Norwest, Glenhaven, Cherrybrook, West Pennant Hills, Dural, Beaumont Hills and Kenthurst. Outside the Hills, we arrange loans Australia-wide by phone and Zoom.
Can I meet you in person?
Yes. The office is at 33 Oakhill Drive, Castle Hill NSW 2154 and we see clients seven days, including evenings. You can also book a Zoom video call or a phone call, and we work in English, Nepali and Hindi.
Can first home buyers afford the Hills District?
Most houses here sit above the $800,000 NSW first home duty exemption, so first home buyers usually start with a unit or townhouse. Reduced duty applies up to $1 million, and the 5% Deposit Scheme has a $1.5 million price cap in Sydney. We work out what your deposit reaches before you start inspecting.
How much does it cost to use a mortgage broker?
For most residential home loans, nothing. The lender pays us a commission when your loan settles, and we tell you the amount in writing before you apply.
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Talk to a Hills District broker
Walk in, book a free call, or send a WhatsApp. One obligation-free conversation is usually all it takes to know where you stand.