Your Award Winning Mortgage Broker for Morningside, Cannon Hill & Bulimba

Call: 07 3399 8922

Looking for a home loan? Talk to Brian Terris, your local Mortgage Choice broker from Morningside, QLD. Let us research and compare over 20 lenders for you

Call Us Mortgage Choice Morningside
Office - 07 3399 8922

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

Address

"Morningside Plaza" , Shop 3 38 Junction Road MORNINGSIDE, QLD 4170

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Start your home loan journey today

The Mortgage Choice in Morningside Office is located at Shop 3 in the Morningside Plaza at 38 Junction Rd Morningside. We are next to the Colmslie Hotel in the Coles Shopping Centre.

This Franchise is owned and operated by Leanne & Brian Terris since 2001 who have lived locally in the area since the mid 1990's. Together they have over 30 years of experience in the finance industry.

They can help you with all your financial needs including:

Residential home loans
Investment loans
Refinance your existing loan
Commercial or Business loans
Personal loans
Car loans
Debt Consolidation

They have helped hundreds of customers achieve their dreams and look forward to helping you achieve your dream of buying your first home or investment property. Check out some of their testimonials and see what their valued clients have had to say.

If you're already in your home Brian & Leanne can also assist you with obtaining a home loan for renovations or refinance for easier repayments.

They are able to assess and evaluate the most appropriate loan for your needs and circumstances. They do all the follow-up and general running around, which of course, saves you time, energy and stress - leaving you to enjoy this exciting time in your life.

Brian is an active member of our industry body, MFAA, and he undertakes regular training to keep up-to-date on the myriad of loan products changes, and new loan types available. He is also a Commisioners for Declarations meaning he can witness all your loan documents.

Best of all, as a Mortgage Choice broker, he does not charge you for his service! Brian can also provide you with free property reports to assist you with property negotiations.

Contact Brian today on 07 3399 8922 or mobile 0413 434 748.

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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

Many thanks to Brian and Leanne Terris at Mortgage Choice for all the help and advice in our re-financing process. It could not have been better or gone smoother. Much appreciated.

Paul
10 April 2024

Brian is an outstanding Mortgage Broker. He was always available and really went out of his way to help find us the best loans. He was always willing to answer a call and answer all of our questions. Leanne was also incredible and was always available to help us assess the price of properties we were interested in. Highly Recommended

Luke
25 January 2024

Brian and Leanne were willing to answer any questions we had along the way in a timely manner. This is important because if you don't buy and sell regularly, the process can be stressful

Matt
02 November 2023

As first home buyers we were very glad to have Brian's services From explaining what to expect, understanding the options available, and timely updates as the loan progressed, he's been great - he made what could be a very stressful process a lot easier. Go here before a bank.

Tim
09 October 2023

Brian has been very helpful in navigating our investment property purchase. He has never hesitated in responding to our questions and has always been very prompt in his responses.

A
09 October 2023

Brian was my broker for an apartment purchase and I found him very competent and knowledgeable. He gave good advice on lenders and the first home deposit guarantee scheme. I was able to get a place in the scheme as it opened up for the new financial year and got the mortgage structured pretty much as I wanted.
The purchase and settlement went through without a hitch.

Throughout the process Brian kept... read more

Azh
04 September 2023

Brian and Leanne mortgage choice in Morningside were fantastic. My partner and I were looking to buy our first home and it was very daunting at first. Brian made everything simple and explained loan options to both of us. He is very quick to reply making the loan process more simple. He gave us great recommendations for other services as well for example solicitors, house insurance and life insurance. Would definitely recommend Brian to all my family and friends.

Jessica
13 April 2023

Brian has been our broker for 11 yrs now doing two home loans and a couple of refinancing. Brian is knowledgeable, efficient, helpful and approachable. He always quick answering our number of questions. He always made the process simple. Highly recommended Over 5 stars

Phebs
03 April 2023

In 2002 I came to Brian for a home loan and 20 years later I am back for an investment loan. Why would I go anywhere else Excellent service and knowledge are hard to find so you remember and once again Brian and Leanne didnt disappoint. Thank you again for your expertise and efficiency. Knowing I was in capable hands took the stress out of the mortgage process.

Sue
25 March 2023

I was referred to Brian by a work colleague, from my first appointment all the way through to settlement, I was kept up to date with options and progress of my loan application. Any questions I had were answered by Brian with a quick phone call and he was very responsive. I would recommend Brian to anyone looking to purchase a home - excellent prompt service

Aaron
05 February 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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Your Award Winning Mortgage Broker for Morningside, Cannon Hill & Bulimba

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