Home Loan experts in Helensvale and Nerang

Gold Coast Home Loan Specialists in Helensvale and Nerang

Call: 07 5593 6642

Peter and Amanda are your local Gold Coast Mortgage Brokers and will give you expert financial and home loan advice. Servicing the Northern Gold Coast including Helensvale, Nerang, Oxenford, Carrara and all surrounding suburbs. Book your FREE appointment today by calling 5593 6642.

Call Us Mortgage Choice Helensvale
Office - 07 5593 6642
Fax - 07 5593 6652

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

Address

Shop 6b Helensvale Convenience Centre, 112 Discovery Drive HELENSVALE, QLD 4212

Lender

Interest Rate

Comparison Rate

Lender

Interest Rate

Comparison Rate

Credit criteria, conditions, fees and charges apply. Subject to suitability. The comparison rates in this table are based on a loan amount of $150,000 and a term of 25 years. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

We work hard for the most important person - you!

Let our team of local home loan experts take the stress out of the home loan process and do all the legwork finding you the right home loan for your needs.

Talk to us if you are

A first home buyer
Building a new home
Investing in property – including loans for self-managed super funds
Keen to save with debt consolidation
Refinancing a current loan
Planning renovations.

We invest time getting to know you, and your goals. Then we analyse hundreds of home loans to find the loan most appropriate to your goals.

We give you clear choices, with recommendations of the loans best suited to your needs from our extensive panel of lenders - not just the big banks, but also smaller lenders who may offer specialist home loan options.

We’ll even manage the entire loan process - from application through to settlement. And as a Mortgage Choice broker, we do not charge you for our home loan service.

Informed, expert home loan help

We look forward to helping you achieve your property dreams – and making your loan process simple, streamlined and hassle free.

FREE RP Data Property Reports

Ask about our FREE RP Data property reports – a valuable tool when you are a first home buyer, upgrading, or investing.

We can also assist with competitive:

Personal Loans
Life and General Insurance

Commercial Lending
Equipment and Vehicle Leasing

Call us today

When you are ready to make the next move, or just want to explore some options, call Amanda Thomas at Mortgage Choice on 07 5593 6642 to arrange an appointment at a time and place that suits you. Or simply click on the ‘Contact us’ link at the top of the page.

We provide expert home loan help in Arundel, Ashmore, Benowa, Bundall, Carrara, Cedar Creek, Coomera, Coombabah, Helensvale, Hope Island, Labrador, Maudsland, Merrimac, Nerang, Oxenford, Pacific Pines, Parkwood, Runaway Bay, Sanctuary Cove, Southport, Upper Coomera 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. ~

Google Reviews

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Thank you Peter and Lindsey for your prompt service for refinancing our mortgage. This is the best and quickest service we have ever had. We were constantly informed of the progress of our application right through to settlement.
M & W Russell, Bethania, QLD
- Refinancer

I am a single income middle age lady and I felt I had a very low chance of getting a bank to look at me for a loan. I was told about mortgage choice from a friend and from the moment I made the appointment I was happy with the service that was provided as all my questions were answered. Prior to finding a house I obtained pre approval and when I found a home I got information from Peter about the history of that house from previous sales, which gave me the upper hand when negotiating. The communication from start to finish was fantastic, friendly, informative and took the stress from the house buying process.
M Harvey, Meadowbrook, QLD
- Upgrader

Peter and Lindsey make a great team! Peter was very informative and made us feel like we could trust him to find us the best loan available. He was always available to answer our questions and went out of his way to meet deadlines for us. Lindsey always kept us up to date via phone and email and helped us out wherever she could. Always very friendly and easy to talk to. Thank you both!
N & J Sparke, Upper Coomera, QLD
- Upgrader

We have lived in three different countries over the past 22 years and I have to say the we have never experienced the great service that is offered by Peter and Lindsey. We have bought and sold no less than eight properties during this time and the service we received from Peter and Lindsay was the best ever. Thank you so much for your follow up, your professionalism, and your attention to detail.
C & C Kennedy, Ashmore, QLD
- Refinancer

Cade and I were 100% completely satisfied with your service, help and advice. We have recommended you and your company to family and friends. Thank you for all your support, you made our purchase a very simple and quick process.
K & C Booth, Coombabah, QLD
- First Home Buyer

This is the second time we have worked with Peter and Lindsey regarding our home loan. They are both extremely professional and so lovely. They work hard to achieve our goals speedily and are always on hand to answer any questions we may have. I would have no problem in recommending them to all of our friends and family. Thank you Peter & Lindsey for another smooth process.
R Hooker & W Ball, Runnaway Bay, QLD
- Upgrader

As a first home buyer, it was a very unknown situation. Peter and his team made it very easy, while still ensuring we understood clearly every aspect of the loan process including documents and budgets before the go ahead. This made the whole aspect of buying our first house more comfortable and reassuring. I would recommend Peter and his team to anyone. They are excellent and go to many lengths to ensure you are satisfied.
K Mitchell & B MacFarlane, Loganholme, QLD
- First Home Buyer

The service is first class. The entire team was informed, professional, responsive and helpful!! I never had to ask or follow up on anything - it was all taken care of! They understand service! Thanks!
F & D van Wyk, Coomera, QLD
- Property Investor

Great Service from Peter & The Team. Will be using them again for the next home purchase.
E Scicluna, Hawthorn, NSW
- Upgrader

Excellent Service, Friendly. A genuine concern for clients getting the best loan available.
Peter and the entire staff were completely professional. Helpful & Kind.
Could not Recommend Mortgage Choice Helensvale highly enough.
K Panuccio, Oxenford, QLD
- Upgrader

You put me at ease through the process. I really appreciated the teams time to answer my queries. Thank You Again!

The face to face, email and phone communication was great. It was a totally new experience/learning curve for me and everyone at your branch helped me through it. Thank you Amanda and Team.
C Mundy, Helensvale, QLD
- First Home Buyer

I'm very busy running my own business & there is never enough time in the day! Having Mortgage Choice take care of the gritty work & dealing with the bank kept the entire process easy & hassle free!
C Saunders and G Davies, Ormeau, QLD
- Upgrader

I would recommend Amanda & her team without Hesitation. The professional way she conducts her Business is a credit to her yet she adds some nice personal touches as well. It was all very effortless. Nice Coffee too!
N Goodfellow & M Simpson, Helensvale, QLD
- Upgrader

I was initially dubious about using a franchised national mortgage broker, but when we met with Peter on our initial visit, we knew he was the Mortgage Broker for us. Peter, Amanda, Lindsey and the team are exceptionally knowledgeable....there's no generic sales pitch here, just years of invaluable experience that they are willing to share with you. When we narrowed down our search of properties I emailed Peter and he sent me information on the property and the area that I would not have be able to access on my own. I cannot recommend Peter, Amanda, Lindsey and the team highly enough. They made the whole process easy and pleasurable. Thank you!
Traci and Sean Genders, PALM BEACH, QLD
- Upgrader

I was very pleased with the services offered by Mortgage Choice - it was great to be able to get over difficulties you encounter when dealing with banking institutions with regard to processes you are not familiar with.
Gail Torrens, Upper Coomera, QLD
- Refinancer

Step-by-step guide to home ownership

There are many steps involved in purchasing a property which can vary between residential and investment properties. This guide explains each step in order as well as what is involved at every stage of the purchasing process.

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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 $176,000 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.

The Territory’s First Home Owner Discount has been in place since 8 February 2019. It lets you save up to a maximum of $18,601 on the cost of stamp duty. The savings is available whether you buy a new or established home as long as the home is 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 $15,000 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 $400,000 or less for your block. Whereas if your first home is valued up to $500,000, you pay zero stamp duty. That’s a saving of $8,750, 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 $505,000, you pay stamp duty of $1,050, a saving of $7,875. These savings cut out altogether if your first home costs $550,000 or more. On a property valued at $550,000, for example, the stamp duty would work out to be $10,600.

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 or build a brand new home. You can choose from a house, apartment, townhouse or villa, but you will only be able to claim the FHOG SA if you pay below $575,000 for your home.

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 $20,000 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 Melbourne. Or you can receive a FHOG of $20,000 if you buy/build a new home in regional 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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Gold Coast Home Loan Specialists in Helensvale and Nerang

Helensvale

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We work hard for the most important person - you!

The right home loan for your needs

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