Aaron McDonough

Award Winning Mortgage Brokers servicing Bundaberg, Hervey Bay, Maryborough and Agnes Water.

Call 0402 552 815

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

Call Us Mortgage Choice Agnes Water
Mobile - 0402 552 815
Office - 07 3720 9799
Fax - 07 3720 9711

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

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.

Our team of professionals 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 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 07 3356 9100.

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 banks and 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 over 15 years experience in banking and lending. We have a wealth of local experience that can help you find a great deal.

*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.

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

Thanks Rick

As I said yesterday you really have been a pleasure to deal with. In an environment where people have to negotiate 'roadblocks' to get things done, you are good at helping people size them up and find a way around them. good on you.

Cheers
Karl

K Manning
17 December 2017

Thanks Di and Rick,

Thanks so much for all your help with my questions, queries and concerns, it has been a pleasure yet again to find a new, second happy home with Mortgage Choice. You make debt look so good!!

Will chat soon,

Thanks again,

Eliza
17 December 2017

Rick and Di just went above and beyond to help us through this process of purchasing our first home.

T Gibson & C Gale
17 December 2017

There was zero pressure. The advice was informative and during the process of buying Mr Stone and his assistant Diann were very helpful and kept us well informed.

N & J Anderson
17 December 2017

Rick was always available day or night and gave us the information we were looking for.
He was committed and upfront and the process ran smoothly and quickly for us. We were very happy with him and will use him again and again!

R & S Chandler
17 December 2017

Diann and Rick were fantastic! Nothing was too hard for them or inconvenient. Always helpful and always friendly.

M & A Harden
17 December 2017

10/10. No complaints. You were both very professional and personable. This is my first home so I'm a bit new to all of this and you made the process far easier than expected. Thanks so much to you both. You work very hard and deserve some recognition for the excellent services you provide!

Beth Tiley
17 December 2017

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You could borrow up to

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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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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.

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