Local home loan experts in Miami, Burleigh & Palm Beach

Award Winning Gold Coast Mortgage Broker and Home Loan Experts. Servicing the Gold Coast and surrounding areas, we have an offices in 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 and the QLD Multi Operator winner 2019!

Call Us
Office - 07 5508 2205
Fax - 07 5508 2204

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

Address

Shop 2, 28 Palm Beach Avenue PALM BEACH, QLD 4221

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 Palm Beach, Coolangatta, Currumbin, Tugun, Elanora, Bilinga, Wanganui and all surrounding suburbs.

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 award winning Mortgage Brokers, our experienced team 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
Construction Loans
Commercial or Business Loans
Car Loans, Personal Loans
Equipment Finance
Debt Consolidation
Financial Planning

As your local 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 at Mortgage Choice in Miami, Burleigh & Palm Beach on

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

AVAILABLE FOR AFTER HOURS APPOINTMENTS!

Servicing Palm Beach, Coolangatta, Currumbin, Tugun, Elanora, Bilinga, Wanganui and all surrounding suburbs.

Not sure where to start? Need some further information?

Our guides below provide further information which may assist you with your home loan.

_{First Home Buyer 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.

_{Step-by-step Home Ownership Guide}

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.

_{Guide to Upgrading Your Home}

You've built up enough equity to play with and you're wondering which direction you should take. This guide explores the pros and cons of upgrading.

_{Refinancing Guide}

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

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. ~

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

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 $176,000 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.

State / Territorial Revenue Web Sites

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Award Winning Gold Coast Mortgage Broker and Home Loan Experts. Servicing the Gold Coast and surrounding areas, we have an offices in Miami, Burleigh & Palm Beach.

Palm Beach

As award winning Mortgage Brokers, our experienced team offer excellent advice, outstanding customer service and can provide the best deal across a range of services, including:

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

Contact us, your local Gold Coast Mortgage Broker and Home Loan Expert today at Mortgage Choice in Miami, Burleigh & Palm Beach on

Servicing Palm Beach, Coolangatta, Currumbin, Tugun, Elanora, Bilinga, Wanganui and all surrounding suburbs.

Not sure where to start? Need some further information?

First Home Buyer Guide

Step-by-step Home Ownership Guide

Guide to Upgrading Your Home

Refinancing Guide

The right home loan for your needs

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