Award Winning Mortgage Brokers & Financial Advisers servicing Tweed Heads, Banora Point, Bilambil Heights, Kirra, Terranora and Surrounds

Call: 07 5518 8615

Seeking assistance with a home loan or need a trusted broker to help you with your property dreams? Ben Courage from Mortgage Choice Tweed is your local Mortgage Broker!
Let Ben and the team research and compare up to 20 lenders, at absolutely no cost to you!

Call Us Mortgage Choice Tweed Heads
Office - 07 5518 8615
Fax - 07 5536 2588

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

Address

Unit 22 "Kennedy Plaza" 97-99 Kennedy Drive TWEED HEADS, NSW 2485

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Why choose Mortgage Choice Tweed Heads?

At Mortgage Choice in Tweed Heads & Currumbin, we pride ourselves on excellent customer service and advice. Whatever you need help with, our team can help you!

Trying to decide which home loan option is the right one for you? Our team of home loan experts and financial advisers are here to help you. Based in Tweed Heads, Mortgage Choice Tweed can help you find the right home loan, car loan or investment loan.

If you want to conduct some research of your own, feel free to check out our huge range of online resources.

Our home loan service is no cost to you

Our home loan service is at no charge to our customers as the lenders pay us a commission on the home loan after settlement. This doesn't affect the deal you get from the lender.

Our team offer professional loan and finance advice for the Tweed Heads area and it's surrounds. Our services include, but are not limited to:

Small things can make a big difference when you're choosing a home loan. As your local broker we can cut through the jargon to help you find the option that's right for you. If you're ready to get started, call our team on 07 5518 8615.

Please do not hesitate to give us a call - 07 5518 8615.

Stay up to date with Mortgage Choice Tweed Heads!

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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

This is the second time Tweed Heads Mortgage Choice have arranged a home-loan top up and both times have been a smooth and efficient experience. The team at Tweed Heads, Dawn, Ben, Karen and Jack could not have been more helpful, friendly and efficient.
Iain finlay and Trish Clark

Iain
19 April 2024

Ben, Karen and Dawn were amazing all through my house purchase. Have used this team before, and will use them again Definitely reccomend.

Hannah
18 April 2024

We highly recommend Ben and the team. Our recent experience was so efficient and stress-free thanks to their professionalism and kindness. We have worked with Mortgage Choice Tweed Heads several times and feel 100 confident in their expert hands and very much appreciate their integrity and excellent communication.

Tuesday
17 April 2024

We have been very happy again with the service we received from both Karen and Ben. They have always been on hand to answer any questions we might have and kept us updated with the progress of our mortgage.
We would highly recommend their services.
Thank you once again Karen and Ben

Eve
08 April 2024

Ben and his team have been so great in helping us get our home loan. They are so engaging, professional and really care about their customers, they have amazing communication and explain everything so well. Highly recommend them

Tara
05 April 2024

Ben and his team went above and beyond my expectations with getting my loan. I recommend you contact Ben for a loan you won't be disappointed

Sam
04 April 2024

Ben and the team made a different scenario easy. Ben and the team were always available to talk to and explained the mortgage jargon in a way my husband and I could understand. I would definitely recommend anyone to use these guys and I will be using them in the future. Thank so much mortgage choice for your commitment to helping us and having such exceptional level of communication.

Tori
21 March 2024

Couldnt speak higher of Ben and the team. Im an international buyer which makes things tricky to say the least. Ben ensured every possible avenue was explored and was so thorough. Extremely communicative and just easy to do business with. If I could give 6 starts I would.

21 November 2023

Mortgage Choice Tweed Heads were efficient, friendly and easily GOT THINGS DONE.
Ben and Karen were amazing from start to finish and achieved a stress free positive outcome in no time.
No double tracking for loan applications
No phone calls requiring further information
Just clear instructions from the start.
Would I use , recommend Mortgage Choice Tweed Heads again .
Absolutely

darren
16 November 2023

Ben Karen team made everything seem so easy by doing all the hard work in the background for us.
Felt very confident going into our first purchase

Jannifer
13 November 2023

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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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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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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