Your Local Mortgage Brokers in Westfield Garden City Shopping Centre

Call: 07 3567 9899

Need help with your finances?
Talk to Benny Yu and the Team in Garden City for help with Home Loans, Car Loans, Business Lending, Personal Loans, Insurance and much more. If you are looking to save time and money you have come to the right place. We will find you the best deal Fast!

Call Us Mortgage Choice Upper Mount Gravatt
Office - 07 3567 9899

Open Hours Mortgage Choice Upper Mount Gravatt
Mon - Fri 8:30am -5pm
After Hours by Appointment
Free Appointment

Address

Office 5, Professional Suite, Garden City , Shopping Centre, Logan Road UPPER MOUNT GRAVATT, QLD 4122

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

Welcome to Mortgage Choice in Garden City

Our history

Our office has been located in Garden City Shopping Centre since 2003. With over 15 years of experience, we are passionate and committed to providing you with the experience, knowledge & expertise to assist you in making one of the most important decisions in your life.

Some of our staff are bilingual in Mandarin, Cantonese.

Our Service

First Home Buyer Home Loan
Construction Home Loan
Investment Loans
Refinancing
Various Visa holder's home loan-457,143,820,801,188...
Personal Loans
Car Loans
Equipment Finance and Leasing
Commercial Finance
Debt Consolidation

Our Competitive Advantage

We can also provide powerful RP Data property reports at no cost to present you with all the information you can make your decision
Prior to applying for a home loan, we can generate a credit report of you to ascertain you have no adverse credit history
We are available from 8 a.m. to 8 p.m. six days a week for a face to face meeting at our office in Garden City Shopping Centre ( Upstairs Opposite of STARBUCK COFFEE). If you prefer an online meeting, we are happy to accommodate.

Our Role

Compare and contrast hundreds of home loan products from over 20 lenders on our panel, including the major banks, so that we can find the right home loan for you
Simplify the home loan process so that you can rest easy knowing and understanding each step of the process and guide you to property ownership.
Understanding your individual situation and apply it to your home loan application to give you the best probability of being approved.
Assist with completing loan applications and QLD First Homeowner Grants $15,000.
Update you on special offers or changes in interest rates to make sure you’re still getting the right loan for your circumstances.
Variety of JP (Qual) services

Our contact details

关于我们Mortgage Choice in Garden City

我们位于Garden City购物中心内，自2003年以来，就为一直为布里斯班南区人们提供高质量的贷款服务。凭借超过15年的行业经验，我们致力于同我们的客人分享我们经验，并运用贷款专业知识，帮助他们做出生活中最重要的决定之一，特别是首次购买者。

我们的员工会讲普通话，粤语，方便沟通。

专业贴心的服务

首次购房者房屋贷款
建筑房屋贷款
投资住房贷款
再融资
各种签证持有人的房屋贷款-457,143,820,801,188 ......
个人贷款
汽车贷款
设备融资和租赁
商业贷款
债务重组

超值个性化的服务

我们在Garden City购物中心（STARBUCK COFFEE对面楼上）的办公室每周六天都可以为你提供面对面的交流。

在申请住房贷款之前，如果你对你的信用记录有疑问，我们可以为您提供信用报告

我们还可以免费提供功能强大的房屋报告，让你了解该房子的历史和相关成交价，为您有效地做决定。

帮助首次购房者申请 First Homeowner Grants

提供太平绅士的各种便民服务

我们帮助你比较各种贷款产品，分析各自利与弊，以便您可以了解每个有利的选项，从中选择最合适你的住房贷款，及时沟通和定期反馈，争取在短的时间内获得批准，从而实现你的澳洲梦！

欢迎致电07 3567 9899 联系我们，安排会面时间，获取免费的专业服务!

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

Absolute pleasure working with Benny to buy my first home, he was able to find a great lender, interest rate and loan limit where the banks couldn't. Lots of communication and updates and he was able to answer every question I had, would 100 recommend Benny at Mortage Choice for anyone looking to buy.

Robert
01 April 2024

We highly recommend Benny Yu. They were extremely professional, fast, solution oriented and demonstrated a level of expertise that truly set them apart.

One of the aspects we appreciated most was their availability. Whether we had a simple question or a more intricate inquiry, Benny was always prompt and provided thorough responses. This level of accessibility made the entire process smooth and stress-fr... read more

Azrin
25 March 2024

I am grateful to Benny Yu from Mortgage Choice at Garden City Shopping Centre for his exceptional service throughout the mortgage loan process.
From the outset, Benny demonstrated professionalism and efficiency, setting him apart from other mortgage brokers I've encountered. Upon meeting him in person to initiate the pre-approved loan process, I was impressed by how swiftly and seamlessly he guided me thr... read more

Evonne
11 March 2024

Benny helped us through the process and was always available to answer questions.

Maggie
09 March 2024

I recently had the pleasure of working with Benny Yu from Mortgage Choice at Garden City Shopping Centre. I am grateful for his exceptional service throughout the mortgage loan process.
From the outset, Benny demonstrated professionalism and efficiency, setting him apart from other mortgage brokers I've encountered. Upon meeting him in person to initiate the pre-approved loan process, I was impressed by h... read more

Evonne
06 March 2024

I am a first home owner. The process was scary and stressful but Benny has been amazing in his communication via emails, texts , and calls. Especially during the Christmas and new years period. Benny was very proactive in his reply and answered my concerns throughly and made sure I understood the information given. As well, Benny guided me through the process and advised me on what to do next which helped... read more

Rose
13 February 2024

What a seamless first home buying experience I had thanks to Benny I highly recommend Benny, he was always available to answer any question we had and could trust that the advice given was honest and realistic. Thank you so much for being an absolute asset to the whole buying process, from start to finish.

Letisia
05 February 2024

Benny at mortgage choice has been an absolute pleasure to deal with when purchasing my first home. He is knowledgeable, helpful and will go out of his way to keep you informed and make sure you feel comfortable. He always answers his phone or replies promptly, and has made a stressful process extremely easy and fluid. I cannot recommend Benny enough, very professional and friendly. A

Shanolin
23 January 2024

I would highly recommend Benny most definitely to my family and friends. The entire experience myself and my wife had in purchasing our new home was truly professional. Thank you for the great communication on every step of the way and making a stressful situation stress free. Benny was just brilliant and followed through on everything during the entire process. He was very quick in responding to our quer... read more

hercules
22 December 2023

Simply put, Benny is an outstanding mortgage broker.

Being a first home buyer, there were many unknowns when it came to obtaining a mortgage and also the process of purchasing a property. However, Benny made this entire process stress-free and easy to understand.

At each step of the way, he provided sound advice and was always happy to answer and explain any questions that I had. He consistently sends u... read more

Shaun
12 December 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.

Download now

Eguide First Home Buyer New Cover 255X360

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

PAYG Self Employed

My monthly income before tax

Rental income

My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

Calculate

You could borrow up to

Repayments
/ month
Expenses
Remaining

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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

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.

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 $176,650 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.

State / Territorial Revenue Web Sites

View

Your Local Mortgage Brokers in Westfield Garden City Shopping Centre

Welcome to Mortgage Choice in Garden City