Ben Courage

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!

Follow us on Facebook to stay up-to-date with what's happening at Mortgage Choice Tweed Heads, plus hear everything you need to know about the property and finance market.

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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. ~

Google Reviews

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Thank you for going over and above with your service. You made it so easy for us to find the product that best suited our needs.
Mrs.Rebecca Partridge, Carrara, QLD
- Refinancer

Thank you for your help in ensuring that the purchase of our clients property proceeded to completion. The matter was a very difficult one to settle. Your dilligence with following up with the client, following up alternative options for the client and ensuring the finance was obtained meant these clients were able to acheive a result when they were border line with respect to their finance. Your input in relation to this transaction resulted in clients who were happy with both your service and ours. Thank you.
Kerrie Craig. Piper Craig Henry Lawyers, Tweed Heads, QLD
- Upgrader

Dawn personalised my loan and was very efficient. Most of all prompt in arranging my loan ahead of interest rate rises.
Ms C. Dibbin, Banora Point, NSW
- Refinancer

Dawn Courage was so helpful, we are so happy that we met with her.
Miss KN & Mr MK, Elanora, QLD
- First Home Buyer

Hi Anne,Apologies for the delay it has been crazy busy in here! Dawn Courage is the fabulous mortgage broker I was telling you about. Her number is 0755188615 Mobile 0410830201 and email isdawn.courage@mortgagechoice.com.au I have dealt with a lot of brokers in my time and she is the best I have ever come across.

From Kylie Rose Law, to local real estate agent.
The best I have ever had , Tweed Heads, NSW
- Property Investor

Thank you Dawn and Karen for all your hard work with this difficult customer. All your efforts were very much appreciated.
Kind Regards, Kim and Ken

(NB we did not find these clients difficult at all and found them very pleasant to work with D & K)
Kim and Ken H, Coolangatta, QLD
- Upgrader

We would like to say a huge THANK YOU! to Dawn and her team. We managed to hit every roadblock possible including the ever slowing snail mail. However with Dawn and her team's persistence we managed to not only get approved but also make it to settlement. I wouldn't hesitate in recommending Dawn and her team to anyone needing a Mortgage Broker.
J.B, KINGSCLIFF, NSW
- First Home Buyer

THANK YOU! I really wouldn’t have been able to do this construction without you both and I need you to know that your patience and support has been amazing and very appreciated. I would be happy and I will recommend you to anyone that I come across looking for a mortgage broker.
K.Clifford, Murwillumbah, NSW
- Upgrader

This is our second time using Dawn's services at Mortgage Choice. Everything is great and we LOVE our new flat. It is perfect for us. Thank you to Dawn and her team for all their help. We would definitely recommend her to our friends and use her services again.
J & P. B, Murwillumbah, NSW
- Upgrader

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

Tweed Heads

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!

Our home loan service is no cost to you

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.

Stay up to date with Mortgage Choice Tweed Heads!

How much can I borrow for a home loan?

The right home loan for your needs

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