Multi-award-winning team of Mortgage Brokers in Maroochydore on the Sunshine Coast

Call: 07 5430 0830

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

Call Us Mortgage Choice Maroochydore
Office - 07 5430 0830
Fax - 07 5508 2204

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

Address

Shop 14, 21 Ocean St MAROOCHYDORE, QLD 4558

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 Maroochydore on the Sunshine Coast are here to assist with your financial needs and goals. We service Maroochydore, Mooloolaba, Caloundra, Noosa, Buderim, Coolum, Peregian Beach and all surrounding suburbs on the Sunshine Coast.

Book an Appointment Now!

As award winning Mortgage Brokers, our experienced team at Mortgage Choice in Maroochydore on the Sunshine 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 Maroochydore we do all the hard work for you. By contacting us and spending a few minutes explaining what it is you are looking to do, your dream and how you wish to achieve it, as home loan specialists 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 our Maroochydore office to sit with us and discuss your options in detail.

As your local Sunshine 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 Sunshine Coast Mortgage Broker and Home Loan Expert today!

Mortgage Choice in Maroochydore

(07) 5430 0830 or email sales.maroochydore@mortgagechoice.com.au

AVAILABLE FOR AFTER HOURS APPOINTMENTS!

Servicing Maroochydore, Mooloolaba, Caloundra, Buderim, Noosa, Peregian Beach, Coolum and all surrounding Sunshine 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

I cant thank Matt and Mieli enough for making buying my first home a breeze. There support and help though the whole process was amazing. If I could rate them anymore I could thanks so much guys

Tanisha
22 April 2024

Matt McGrath processed my mortgage application within two days. I was thinking about it one day, contacted Matt the next and had the mortgage approved the day after. He was professional, friendly and efficient. I would and will recommend him to friends and family. Thanks Matt.

Natalie
18 April 2024

Ive been selling real estate for some time and i have never come across a business quite like this one as far as service goes I even had the CEO of the business James call me on a Sunday to help get a deal over the line Matt McGrath is also one of the best communicators in the business, Matt kept me informed the whole way through the loan process and i cant thank James Matt this business enough.. Thanks

Arthur
18 April 2024

Matt worked his magic to get my husband and I a very quick turnaround on an investment property loan. Matt ran through all our options and recommended the option that would best ensure we were able to settle by the required date. We were very happy with Matt and the mortgage choice teams communication and we will continue to use them again in the future.

Nicola
16 April 2024

Matt continues to be a terrific broker. He made the process of purchasing my apartment a breeze from the finance side of things. 12 months in, he continually checks in to ensure I am getting the best rate possible. Just last week he managed a reduction of my current rate. Highly recommend.

16 April 2024

Thank you Matt for all of your ongoing support with our home loan. You have always gone above and beyond to support us over the past few years and we have been extremely satisfied with your impeccable service. Matt is a very friendly, personable professional broker that I couldnt recommend more. Thanks again MC team

Alexandra
09 April 2024

Matty is an absolute superstar. Not only did he help us remortgage our house and find the best deal but he also keeps checking in with the lender to see if they can drop their rate. Always working and on the ball. Thanks Cappa.

Nick
09 April 2024

professional service team that knows the industry well.

Pranay
06 April 2024

Gemma and the Mortgage Choice Maroochydore team were fantastic in helping us get our loan for our first home. They handled everything and made every step very simple. Thanks for all of your hard work, it is very appreciated

cat
05 April 2024

Big thanks to Matt and team. He helped me with refinancing and the service was impeccable. Very easy process, super helpful and knowledgeable.

Alex
22 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.

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You could borrow up to

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Based on standard variable rate over years.

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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.

State / Territorial Revenue Web Sites

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Multi-award-winning team of Mortgage Brokers in Maroochydore on the Sunshine Coast

Maroochydore

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 Maroochydore on the Sunshine Coast are here to assist with your financial needs and goals. We service Maroochydore, Mooloolaba, Caloundra, Noosa, Buderim, Coolum, Peregian Beach and all surrounding suburbs on the Sunshine Coast.

As award winning Mortgage Brokers, our experienced team at Mortgage Choice in Maroochydore on the Sunshine 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