Mortgage Broker for Kellyville, NSW.
Kellyville is right next door to our Castle Hill base — a family favourite in the Hills with larger blocks, newer estates around the Metro and strong long-term growth.
Kellyville at a glance
The Hills Shire · Hills District. Want current median prices for a specific Kellyville address? Ask us for a free CoreLogic / APM report.
What it actually costs here.
Kellyville mixes apartments around the Kellyville and Bella Vista Metro stations, townhouses in newer pockets, and family homes on bigger blocks. Most townhouses and houses here sell above $1 million, which is where the NSW first home buyer duty concession runs out.
| Example purchase | Duty (standard) | Eligible first home buyer | First home grant | 5% Deposit Scheme |
|---|---|---|---|---|
| Established 2-bed apartment near the Metro, $780,000 | $29,287 | $0 | No (established) | Yes (cap $1,500,000) |
| New 3-bed townhouse, $1,150,000 | $45,937 | $45,937 | Over the cap | Yes (cap $1,500,000) |
| Established 4-bed house, $1,750,000 | $77,537 | $77,537 | No (established) | Over the $1,500,000 cap |
Local lending notes
- Apartments near the Metro: lenders look closely at small units in high-supply areas. Some cap the loan at 80% for apartments under about 50 square metres, so check the floor plan before you bid.
- Townhouses over $1 million: from $1,000,000 a first home buyer pays full duty (about $45,937 on a $1,150,000 townhouse). The 5% Deposit Scheme still applies up to $1.5 million, so you can buy with 5% down and no LMI.
- Upgraders: many Kellyville buyers are selling one Hills home to buy another. We map bridging or simultaneous settlement before you list, so you’re not caught between two contracts.
How duty is worked out: NSW stamp duty guide. Grant rules: NSW First Home Owner Grant. Want real sales data for a specific Kellyville street? Ask us for a free CoreLogic report.
The right loan, in your language.
Kellyville files are usually upgraders moving into bigger family homes, investors using Hills equity, and buyers building in the newer estates. Land & construction is our specialty, and our office is a short drive away for face-to-face.
40+ lenders, one conversation
Instead of one bank's products, we compare 40+ lenders to find the sharper rate and the structure that actually fits your Kellyville purchase.
Free to you
For residential home loans the lender pays our commission — so our advice is generally free. We disclose everything in writing.
English or Nepali
Jwala speaks Nepali and Hindi, and works with many in the community. Deposits, grants, borrowing power and contracts — explained clearly in your language.
Best Interests Duty
As a licensed credit representative we're legally bound to recommend what's right for you — not what pays us most.
Simple, on your schedule.
Kellyville is right on our doorstep. Our office is at 33 Oakhill Drive, Castle Hill — a short drive from most of Kellyville — so we can meet face-to-face for contract signing or sensitive conversations, or handle everything by phone and online if that’s easier.
- Face-to-face: Castle Hill office, free parking, evenings & weekends by appointment
- Or fully remote: phone, video and secure online document upload
- In your language: English, Nepali or Hindi — whichever is easier
- Open 7 days: 6am–8pm Sydney time
What we help with most.
Upgrading in Kellyville
Moving to a bigger family home in Kellyville? We line up bridging or buy-then-sell structures so you can move on your timeline, not the bank’s.
Land & construction
Buying a block in Kellyville and building? Land & construction is our flagship — we handle land settlement, builder contracts and staged drawdowns end-to-end.
Investing around Kellyville
Using equity to buy an investment? We structure the loan with a clean tax-deductible purpose from day one and target lenders that value the area well.
More ways we help Kellyville borrowers.
Whatever your situation, we likely have a lender for it — and for residential home loans, our service is free to you.
Nearby suburbs.
Good to know.
Do you have a mortgage broker for Kellyville?
Yes. 365 Home Loans helps buyers in Kellyville and across New South Wales. We compare 40+ lenders to find the right loan, and our service is free to you — the lender pays us. You can meet by phone, video or online, and we also speak Nepali and Hindi.
How much is stamp duty on a townhouse in Kellyville?
On a $1,150,000 townhouse, NSW transfer duty is about $45,937. First home buyers pay the same, because the NSW first home buyer concession ends at $1,000,000. Under $800,000 an eligible first home buyer pays $0.
Do you have a Nepali-speaking mortgage broker for Kellyville?
Yes — Jwala Aryal speaks Nepali and Hindi, and works with many members of the Nepali community in Kellyville. We can explain deposits, grants, borrowing power and the whole loan process in Nepali. See our Nepali home loans page.
Can you help first-home buyers in Kellyville?
Absolutely. We guide Kellyville first-home buyers through the First Home Owner Grant, stamp-duty concessions, the Australian Government 5% Deposit Scheme (formerly the Home Guarantee Scheme) and low-deposit (from 5%) and no-LMI options — and tell you, in dollars, what you’re actually eligible for.
Is the service really free in Kellyville?
Yes. For residential home loans the lender pays our commission, so our service is generally free to you. We disclose all commissions in writing, and under our Best Interests Duty we must recommend what’s right for you.
5.0 stars from 115+ reviews.
"Jwala dai guided me with clarity and patience, ensuring I understood every step and option available."
"Jwala made the whole process so smooth. He explained everything clearly, kept us updated, and found the right deal for our needs."
"Outstanding broker. Clear advice, prompt communication, excellent market knowledge. Made securing our loan hassle-free."
Ready to chat about Kellyville?
Book a free, obligation-free call, or send a WhatsApp. One conversation is usually all it takes to know where you stand — in English, Nepali or Hindi.