Multi-award-winning team of Mortgage Brokers on the Gold Coast - Miami, Burleigh & Palm Beach

Call: 07 5508 2205

Looking for help with your Home Loan or need a reliable Mortgage Broker to help you achieve your property dreams? Mortgage Choice Miami, Burleigh & Palm Beach are your local Mortgage Brokers and Home Loans specialists. Recently awarded the top Broker for Mortgage Choice in Australia 2023!

Call Us Mortgage Choice Miami
Office - 07 5508 2205
Fax - 07 5508 2204

Open Hours Mortgage Choice Miami
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
Free Appointment

Address

Shop 2, 1920 Gold Coast Highway MIAMI, QLD 4220

Are you looking to buy your first home, refinance, buy an investment property or even upgrade the home you have now? Or are you on the hunt for a reliable Mortgage Broker?

Look no further! The team at Mortgage Choice in Miami, Burleigh & Palm Beach are here to assist with your financial needs and goals. We service Burleigh, Miami, Broadbeach, Mermaid, Robina, Mudgeeraba, Reedy Creek, Worongary and all surrounding Gold Coast suburbs.

As award winning Mortgage Brokers, our experienced team at Mortgage Choice in Miami, Burleigh and Palm Beach on the Gold Coast offer excellent advice, outstanding customer service and can provide the best deal across a range of services, including:

First Home Buyer Loans
Residential Home Loans
Investment Loans
Refinancing Loans
Contruction Loans
Commercial or Business Loans
Car Loans
Personal Loans
Equipment Finance
Debt Consolidation

At Mortgage Choice in Miami, Burleigh & Palm Beach we do all the hard work for you. By contacting us, your home loan specialist on the Gold Coast, and spending a few minutes explaining what it is you are looking to do, your dream and how you wish to achieve it, we begin our process.

As your Mortgage Broker we conduct all the research and find the most suitable home loans for your specific situation, at which point we then invite you to one of our three Gold Coast offices to sit with us and discuss your options in detail.

As your local Gold Coast Mortgage Broker and Home Loan Experts we will make the process easy, painless and hassle free by:

Taking the confusion out of the home loan process – providing you with professional financial and home loan advice
Completing all the paper work with you and submitting your application to your chosen lender on your behalf
Providing support and guidance throughout the entire home loan, personal loan or business loan process
Ensuring you are given ongoing support for your existing and all future home loans and personal loans
Provide you with a selection of home loan options from which you can choose and explain the features, fees, costs and other details associated with each loan option
Communicate with your chosen lender throughout the process and keeping you up to date along the way
Ensure that your home loan experience is as stress free as possible

Contact us, your local Gold Coast Mortgage Broker and Home Loan Expert today!

Mortgage Choice in Miami, Burleigh & Palm Beach

(07) 5508 2205 or email sales.burleigh@mortgagechoice.com.au

AVAILABLE FOR AFTER HOURS APPOINTMENTS!

Servicing Burleigh, Miami, Broadbeach, Mermaid, Robina, Mudgeeraba, Reedy Creek and all surrounding Gold Coast suburbs.

The right home loan for your needs

Our mission is to find the right home loan for your individual needs and to always have your best interests at heart. Plain and simple. Which is why we have such a wide range of lenders to choose from. We can search through hundreds of products to find something tailored to your situation. ~

Client reviews

Great experience for me. Elliott and team are super helpful all the through a process which is at times challenging.

Ed
17 April 2024

Elliot and the team made the stressful and confusing task of buying my first home an incredibly smooth process.
They were both extremely patient and helpful and were only a phone call away.
Highly recommend these guys if youre looking to get into the market.
They sort out all the tricky parts
Thanks guys

Todd
17 April 2024

Elliott and his team at Mortgage Choice Miami have been nothing but phenomenal through multiple contracts over the past 7 years, and that includes navigating through a pandemic and todays rapidly changing market.
They provide options and explain everything in a way that makes sense to you so you can make an informed decision. Plus they keep you calm and well informed throughout the process.
Elliott... read more

K
08 April 2024

Elliot and his team were extremely helpful in refinancing our mortgage. They made the whole process painless and guided us through every step of the way. This is the second time we have reached out to Elliot to assist us with our home finances and again he went above and beyond to get the most out of our loan.

Kirsten
03 April 2024

Elliott and the team at Mortgage Choice Miami have done an a brilliant job of keeping an eye on our loan for the last 7 years and contacting us when we can get a better rate and makes the whole process so simple for us. Highly recommend

Sophie
02 April 2024

This is now the third time we've gone back to Elliott at Mortgage Choice in Miami and for good reason
Not only does Elliott and the team know there stuff, but are willing to go above and beyond to help make your dreams come true Always great communication from their team and make stressful situations seem like a seamless process I'm sure we'll be going back a fourth time in the future

Hein
21 March 2024

Elliot and his team were outstanding, made the process so much easier than trying to sort it out myself. Highly recommend cant wait to go again

Jordan
21 March 2024

Elliot and his team are amazing, highly recommend mortgage choice

Y
18 March 2024

Excellent service, knowledgeable, reliable, professional and very competent. Always kept in the loop and up to date with any developments or requirements. A smooth and seamless application. Highly recommend. Thanks Elliot.

Adam
18 March 2024

Big thank you to Elliot for you help and assistance in getting our house refinanced and buying a second property all at the same time. Elliot was able to guide us through entire process and made it smooth and ensured we had a good understanding of each step. Well recommended

Eben
06 March 2024

First home buyer's guide

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process.

Download now

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Calculate

You could borrow up to

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/ month
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Based on standard variable rate over years.

Start the pre-approval process

The borrowing amount is a guide only. Loan repayments are based on the lowest interest rate (either standard variable or 3-year fixed rate, owner occupier) from our lender panel over a repayment period of 30 years. Rates and repayments are indicative only and subject to change. The results from this calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.

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Your monthly repayments
Total loan repayments:
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There's a lot to consider when choosing the right loan.

The lowest interest rate from our lender panel is either standard variable or 3-year fixed for an owner-occupier. Rates and repayments are indicative and subject to change. The results from this calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.

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Total fees:

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Need help with your next home purchase?

Extra Information

Home Buyer Concession Scheme

From 1 July 2019, the FHOG ACT has been replaced with exemptions on stamp duty. The stamp duty exemption is applicable to all properties in ACT, including vacant residential land and both new and established homes at any price. As this is still to aid first home buyers, to be eligible at least one buyer must live in the home for at least 12 months, starting within 12 months of settlement or completion of construction.

To be eligible, first homeowners in the ACT must have a household income below $160,000. This number increases up to $176,650 depending on the number of children you may have.

Click here for more information on the ACT First home Owner Grant.

Stamp duty concessions in NSW

From 1 August 2020, the NSW government has announced that stamp duty will not be applicable to first home buyers for properties valued up to $800,000 and vacant land valued up to $400,000. This stamp duty exemption will be in place for 12 months to 31 July 2021, in which the stamp duty exemptions will revert back to $650,000 for homes and $350,000 for land.

Additionally, a concessional rate of duty will apply to homes valued more than $800,000 but less than $1,000,000 and vacant blocks of land valued more than $400,000 and less than $500,000

How much is the First Home Owners Grant NSW?

The FHOG in NSW is worth $10,000 however conditions apply. To be eligible, your first home must have a total value below $600,000, and be either newly constructed or ‘substantially renovated’. A home is substantially renovated when most or all of the original house was removed or replaced, and it’s the first time the place has been sold, and lived in, after the renovations were completed.

If you plan to build a new home from scratch, you can still be eligible for the FHOG in NSW as long as your land plus the home you build have a combined value of less than $750,000.

Click here for more information on the NSW First Home Owner Grant.

How much is the First Home Owners Grant in the NT?

The First Home Owner Grant in NT is $10,000. Your income and the price of your home don’t affect the FHOG NT, and the grant is available if you buy or build a new house, apartment, duplex or townhouse.

As of 30 June 2021, there are currently no stamp duty concessions for first home buyers in NT.

Previously the Territory’s First Home Owner Discount was in place from 8 February 2019 to 30 June 2021. It let you save up to a maximum of $18,601 on the cost of stamp duty. The savings were available whether you purchased a new or established home as long as the home was valued under $650,000.

Click here for more information on the NT First home Owner Grant.

How much is the First Home Owners Grant QLD?

As a first home buyer in Queensland you could be entitled to the $30,000 First Home Owner Grant. To be eligible, you need to buy a brand new home or build a home from scratch with the total value (including the land) below $750,000. You may also be eligible if you buy off the plan or an established home that’s been substantially renovated.

As a guide, substantial renovations include replacing or altering foundations or replacing or altering floors. Cosmetic work such as painting the walls or sanding floors doesn’t add up to a substantial renovation when it comes to the FHOG in QLD.

Stamp duty concessions

If you’re buying vacant land to build your first home, you pay zero stamp duty as long as you pay $250,000 or less for your block. Concessions are available for vacant land valued above $250,000 and up to $400,000. Whereas if your first home is valued up to $500,000, you pay zero stamp duty. That’s a saving of $7,175 which is the maximum stamp duty rebate available to first home buyers in QLD.

Additionally, savings on stamp duty may still be available if you pay between $500,000 and $550,000 for your first home. As a guide, if your first home is worth $530,000, you pay stamp duty of $6,300 a saving of $3,500. These savings cut out altogether if your first home costs $550,000 or more.

Click here for more information on the QLD First home Owner Grant.

How much is the First Home Owners Grant SA?

There are currently no specific stamp duty concessions available for first home buyers in SA.

The $15,000 FHOG in South Australia is only available to first home owners who buy a new home. You can choose from a house, apartment, townhouse or villa.

You will only be able to claim the FHOG SA if you pay below the following amounts for your home:

Before 14 June 2023: $575,000
After 15 June 2023: $650,000

You can also claim the First Home Owner Grant in South Australia when you buy a block of vacant land to build your first home on. However, the end value of your building plus land must be no more than $575,000.

Click here for more information on the SA First home Owner Grant.

Stamp duty concessions in TAS

If you buy an established home, you are not eligible for the FHOG in Tasmania but you may be able to claim savings on stamp duty. If you’re home is valued at

$400,000 or less, you will receive a 50% discount on the property transfer duty (stamp duty).

How much is the First Home Owners Grant TAS?

The FHOG Tasmania is worth $30,000 until 30 June 2022 but only when you buy or build a new home. Off the plan purchases are also eligible. In Tasmania, there is no limit on the purchase price of the property, and the FHOG is not means tested.

Click here for more information on the TAS First home Owner Grant.

Stamp duty concessions in VIC

First home owners in Victoria don’t pay stamp duty at all on their first home as long as the property is valued below $600,000. You may still be eligible for savings on stamp duty if you pay between $600,000 and $750,000 for your first home. The stamp duty concessions available in Victoria apply to both established and new homes.

How much is the First Home Owners Grant VIC?

The FHOG Victoria is only available if you buy a newly built home or if you choose to build a home from scratch. The FHOG is worth $10,000 if you build/buy in Victoria.

Your first home can be a house, townhouse, apartment, or unit but it must be valued at $750,000 or less, and it must be a new home – being sold as a home for the first time, and less than five years old.

Click here for more information on the VIC First home Owner Grant.

Stamp duty concessions in WA

If you buy vacant land to build your first home, you’re exempt from paying stamp duty as long as you don’t pay more than $300,000. If you pay between $300,000 and $400,000 you will be entitled to a reduced rate of duty.

If you buy a home costing up to $430,000, no stamp duty is payable at all. If the value of your home is between $430,000 and $530,000, you’ll be entitled to a reduced rate of stamp duty. There are no additional concessions for homes valued above $530,000 and land valued above $400,000.

How much is the First Home Owners Grant WA?

The FHOG WA is worth $10,000 when you buy or build a brand new home. There are limits on what you can pay for your first home to be eligible for the FHOG in Western Australia.

If you’re located south of the 26th parallel, which basically covers all the Perth metropolitan area, you can claim the FHOG WA if your new home is worth up to $750,000 – this includes the value of the land plus buildings.

If you buy or build a home north of the 26th parallel, the property must be valued up to or below $1 million to be eligible for the FHOG WA.

The First Home Owner Grant in Western Australia is no longer available if you buy an established home however you may be able to claim stamp duty savings.

Click here for more information on the WA First home Owner Grant.

State / Territorial Revenue Web Sites

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Multi-award-winning team of Mortgage Brokers on the Gold Coast - Miami, Burleigh & Palm Beach

Miami

Are you looking to buy your first home, refinance, buy an investment property or even upgrade the home you have now? Or are you on the hunt for a reliable Mortgage Broker?

Look no further! The team at Mortgage Choice in Miami, Burleigh & Palm Beach are here to assist with your financial needs and goals. We service Burleigh, Miami, Broadbeach, Mermaid, Robina, Mudgeeraba, Reedy Creek, Worongary and all surrounding Gold Coast suburbs.

As award winning Mortgage Brokers, our experienced team at Mortgage Choice in Miami, Burleigh and Palm Beach on the Gold Coast offer excellent advice, outstanding customer service and can provide the best deal across a range of services, including:

First Home Buyer Loans

Residential Home Loans

Investment Loans

Refinancing Loans

Contruction Loans

Commercial or Business Loans

Car Loans

Personal Loans

Equipment Finance

Debt Consolidation