Mortgage Broker for Riverstone, NSW.
Riverstone blends established homes with major new release estates in Sydney's North-West — well connected by rail and popular with first-home buyers, families and a growing Nepali community.
Riverstone at a glance
Blacktown City · North-West Growth Corridor. Want current median prices for a specific Riverstone address? Ask us for a free CoreLogic / APM report.
What it actually costs here.
Riverstone combines an older town centre and established houses with large new estates on its edges in the North West Growth Area. Prices sit a little below neighbouring Schofields and Rouse Hill, which brings more first home buyers into the exemption and concession range.
| Example purchase | Duty (standard) | Eligible first home buyer | First home grant | 5% Deposit Scheme |
|---|---|---|---|---|
| New 3-bed townhouse, $820,000 | $31,087 | $3,918 | Over the cap | Yes (cap $1,500,000) |
| Established house, $950,000 | $36,937 | $29,390 | No (established) | Yes (cap $1,500,000) |
| House-and-land package, $1,080,000 | $42,787 | $42,787 | Over the cap | Yes (cap $1,500,000) |
Local lending notes
- Flood planning: low-lying parts of Riverstone sit within flood planning areas near Eastern Creek and the Hawkesbury–Nepean floodplain. Lenders and insurers check, so we look at the council planning certificate and insurance quote before you commit.
- New estate valuations: new estates can produce valuations below contract price when many similar homes sell at once. We order valuations early.
- Concession band: many Riverstone homes fall between $800,000 and $1 million, where an eligible first home buyer pays reduced duty: about $29,390 instead of $36,937 at $950,000.
How duty is worked out: NSW stamp duty guide. Grant rules: NSW First Home Owner Grant. Want real sales data for a specific Riverstone street? Ask us for a free CoreLogic report.
The right loan, in your language.
Riverstone files range from first-home buyers into new house-and-land, to upgraders and investors. We compare 40+ lenders for the sharpest rate and handle construction drawdowns where you're building — in English, Nepali or Hindi.
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 Riverstone 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 Riverstone. We work with Riverstone 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.
Land & construction
Buying a block in Riverstone and building? Land & construction is our flagship — we handle land settlement, builder contracts and staged drawdowns end-to-end.
First home in Riverstone
We map your real deposit, the First Home Owner Grant, stamp-duty concessions and low-deposit (5%) and no-LMI pathways for Riverstone buyers.
Investing around Riverstone
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 Riverstone 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 Riverstone?
Yes. 365 Home Loans helps buyers in Riverstone 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 $950,000 house in Riverstone?
About $36,937 for most buyers under the 2026–27 NSW rates. An eligible first home buyer pays a reduced amount in the $800,000–$1 million band, about $29,390 at $950,000.
Do you have a Nepali-speaking mortgage broker for Riverstone?
Yes — Jwala Aryal speaks Nepali and Hindi, and works with many members of the Nepali community in Riverstone. 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 Riverstone?
Absolutely. We guide Riverstone 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 Riverstone?
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 Riverstone?
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.