Jason McDonough

Award Winning Mortgage Brokers servicing all areas in Ipswich

Call 07 3288 6463

Looking for a home loan? Talk to Jason McDonough, your local Mortgage Choice broker from Ipswich, QLD. Let us research and compare over 20 lenders for you

Call Us Mortgage Choice North Ipswich
Office - 07 3288 6463
Fax - 1300 938 538

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

Address

PO Box 2527 NORTH IPSWICH, QLD 4305

WINNER - Mortgage Choice High Flyers Award 2015
WINNER - Mortgage Choice (QLD) Diamond Award 2015
WINNER - Mortgage Choice (QLD) Platinum Award 2014, 2013, 2012, 2011

If you're looking for your next home and need someone to take the confusion out of the home loan process, Mortgage Choice can help.

My team and I are here to help you find a home loan that suits you.

Whether you are looking to:
Buy your first home
Upgrade or downsize your current home
Purchase an investment property
Refinance
Top up your existing mortgage

We will be able to help. We are fully mobile and are available for morning, afternoon and evening appointments for your convenience. We are happy to meet you at a time that suits you at your home, place of work or your local cafe.

We help you identify the mortgage that suits your needs. We do all the paper work. We also work with the lender, your solicitor and the real estate agent to make the whole process as quick and as painless as possible. Beyond settlement, we are here for all your ongoing mortgage needs.

Call us today for a FREE Home Loan Review on your current home loan or to discuss your home loan needs 3288 6463.

Three great reasons for choosing Mortgage Choice:

No Charge: We are paid by the lender for our service, not you. You would pay the same fees and charges if you went directly to the lender*. No additional fees, charges or interest is added to your loan.

Wide Choice: Our panel of over 20 lenders include the five largest banks and many of the largest building societies, credit unions and non-bank lenders. This gives us access to hundreds of loans so you have genuine choice.

Experience: Our team at Mortgage Choice have many years experience in banking and lending. We have a wealth of local experience that can help you find a great deal. Between the 6 brokers in the business we currently have 17 properties between us, so if property investment is in your future then we consider ourselves to have the 'hands on' knowledge to assist.

*This information refers only to loans provided by our panel of over 20 lenders with whom Mortgage Choice has an arrangement, under which it receives commissions and other payments.

We cover suburbs such as Amberley, Augustine Heights, Bellbird Park, Blackstone, Booval, Brassall, Brookwater, Bundamba, Camira, Carole Park, Churchill, Dinmore, Eastern Heights, Fernvale, Flinders View, Gailes, Goodna, Karalee, Karana Downs, Leichhardt, Mt Crosby, Newtown, One Mile, Peak Crossing, Pine Mountain, Raceview, Redbank Plains, Ripley, Rosewood, Sadliers Crossing, Silkstone, Springfield, Springfield Lakes, Walloon, Willowbank and surrounding areas.

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

In years past we used to organise our own home loans and finances but in 2016, we were referred to Jason at Mortgage Choice back then he was based in Toowong. Anyway, we've been going back to Jason ever since and he and his awesome team always exceed our expectations I'm so greatful having met Jason and tapping into his expertise, customer service and knowledge. I'd give him more stars if I could

Adam
24 October 2023

Big Thanks To Jason and Di, you got me a great rate and walked me through the process. Nice and simple and effective. Would recommend their services to anyone

Nicholas
18 July 2021

G'day Di,

Thanks for the follow up email. We are all settled in the new house and we were both extremely happy with the service we received from everyone a Mortgage Choice. Should any of our friends be in the market for a new home, we will be sure to pass on our recommendations.

Thanks again. All the best.

Ben
16 December 2017

Aaron and his team kept us informed with every aspect of our loan and nothing was ever a hassle to them. Aaron went over and above to challenge CBA on our house valuation to get our loan approved. They were always very reassuring, professional and most helpful. I will be recommending Aaron to any of my friends or family that wish to purchase a house or refinance. They made buying a house really easy and I can't speak highly enough about the service they provided.

J Beckham & N Hebert
16 December 2017

The process from start to finish was perfect. They came to my home and answered all my questions and gave me all the information that I needed. The team at Mortgage Choice helped me all the way through. When I phoned, they answered! When I left messages, they replied quickly! Thanks again to Diann and the team.

D Powell
16 December 2017

No fuss, easy to deal with. The team at Mortgage Choice knows how to get on with business!
Would recommend to all!

C Nelson
16 December 2017

Diann and the Team at Mortgage Choice are all always willing to answer my many questions and have been such a great help. We failed to get a home loan after buying our block of land 4 years ago, until we dealt with Mortgage Choice

B & T Mortensen
16 December 2017

Hi Diann /Paul,
Thankyou so much! The service was fantastic.Everything went smooth and outcome was great. Look forward to making use of your great service again.

Barry & Natasha
16 December 2017

Dear Paul and Diann,

We would just like to thank you and your amazing PA, Diann for all the hard work and effort you both put into helping us refinance. We managed to pull through a very tough financial time with the help of Mortgage Choice and came out stronger than we ever thought possible.

Thank you so much for being there when we needed someone.

D & S Flaherty
16 December 2017

Woohoooo! Thank you both for the great support and top service during the whole process, I couldn't do it without your help. It really made things easier knowing that someone else was doing the bulk of the work. Will be in touch.

Pinelo
16 December 2017

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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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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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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.

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Award Winning Mortgage Brokers servicing all areas in Ipswich