Mortgage Broker for Parramatta, NSW.
Parramatta is Sydney's second CBD — high-rise apartments, major transport, universities and hospitals, and a deep pool of first-home buyers and investors.
Parramatta at a glance
City of Parramatta · Sydney's Central City. Want current median prices for a specific Parramatta address? Ask us for a free CoreLogic / APM report.
What it actually costs here.
Parramatta is Sydney’s second CBD, with a large supply of apartments, many bought off the plan, plus houses in the surrounding streets. The Parramatta Light Rail opened in late 2024 and Sydney Metro West is under construction, so demand for units near transport is strong.
| Example purchase | Duty (standard) | Eligible first home buyer | First home grant | 5% Deposit Scheme |
|---|---|---|---|---|
| Established 2-bed apartment, $620,000 | $22,087 | $0 | No (established) | Yes (cap $1,500,000) |
| New 2-bed apartment, off the plan, $780,000 | $29,287 | $0 | Over the cap | Yes (cap $1,500,000) |
| Established house, $1,450,000 | $61,037 | $61,037 | No (established) | Yes (cap $1,500,000) |
Local lending notes
- High-density apartments: some lenders limit the loan for small units or apartments in high-supply postcodes, and off-the-plan valuations can land under the contract price at settlement. We check the lender and order valuations early.
- Off the plan: in NSW, owner-occupiers can generally defer duty until the earlier of completion or 12 months after the contract date. An eligible first home buyer pays $0 duty up to $800,000.
- Investors: investors pay standard NSW duty (about $22,087 on a $620,000 apartment) and should factor in strata levies and vacancy when sizing the loan.
How duty is worked out: NSW stamp duty guide. Grant rules: NSW First Home Owner Grant. Want real sales data for a specific Parramatta street? Ask us for a free CoreLogic report.
The right loan, in your language.
In Parramatta we help first-home buyers into apartments, investors chasing yield near transport, and professionals upgrading. High-density valuations and lender postcode rules matter here — we know which lenders treat which towers well. English & Nepali.
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 Parramatta 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.
You don’t need to take time off work to get a home loan sorted in Parramatta. We work with Parramatta clients by phone, video and secure online upload — and our Castle Hill office is available if you’d ever like to meet in person.
- Fully online: apply by phone, video and secure document upload
- In person if you want: Castle Hill office, evenings & weekends by appointment
- In your language: English, Nepali or Hindi
- Open 7 days: 6am–8pm Sydney time
What we help with most.
First home in Parramatta
We map your real deposit, the First Home Owner Grant, stamp-duty concessions and low-deposit (5%) and no-LMI pathways for Parramatta buyers.
Investing around Parramatta
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.
Self-employed in Parramatta
Run your own business? We have alt-doc / low-doc lenders who assess self-employed Parramatta buyers fairly — often with just BAS or an accountant’s letter.
More ways we help Parramatta 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 Parramatta?
Yes. 365 Home Loans helps buyers in Parramatta 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.
Do first home buyers pay stamp duty on an apartment in Parramatta?
Not up to $800,000, if they qualify for the NSW First Home Buyers Assistance Scheme. On a $620,000 apartment that saves about $22,087; on a $780,000 new apartment, about $29,287.
Do you have a Nepali-speaking mortgage broker for Parramatta?
Yes — Jwala Aryal speaks Nepali and Hindi, and works with many members of the Nepali community in Parramatta. 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 Parramatta?
Absolutely. We guide Parramatta 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 Parramatta?
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 Parramatta?
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.