Home loan & Financial Services Experts Yorke Peninsula

Home Find a local expert Carlee Horsell

Mortgage Broker - Copper Coast & Yorke Peninsula

Call: 0499 051 422

Need help with your finances? We are the experts when it comes to home loans and regional lending

Call Us Mortgage Choice Kadina
Office - 0499 051 422

Open Hours Mortgage Choice Kadina
Flexible appointments including after business hours to work around your schedule. Call 08 88213446
Free Appointment

Mobile Broker

Servicing the Copper Coast and Yorke Peninsula. Meet us in a location convenient to you!

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Why Mortgage Choice?

At Mortgage Choice we have a passion for helping our customers make Better Choices for a Better Life. With a panel of over 20 lenders and hundreds of different products, we take the time to understand your individual needs and financial goals to find the right home loan and finance solution for you.

As your local Mortgage Choice Broker living and working on the Yorke Peninsula, I understand regional South Australia and pride myself on being your local home loan expert.

Buying a house or refinancing can be overwhelming so whether you are buying your first home or you are an experienced investor, let me take out the stress and simplify the process!

Services

We can help with more than just home loan finance! Our services include:

Home Loans
Pre-approvals
Refinancing
Construction Loans
Debt Consolidation
Free Home Loan Health Checks
Guarantor Loans
Investment Loans

We can also help with

Car Loans
Personal Loans
Asset & Equipment Finance
Commercial Loans
Financial Planning
Loan Protection Insurance
Home, Contents, Motor and Landlord Insurance

Flexible appointments including after hours and weekends to suit you!

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

See all Google reviews

I can't believe that I didn't do this sooner. I have a great new rate and accounts. Carlee has been fantastic through the whole process and is still keeping in touch to ensure that what she has set up for us is running smoothly. I couldn't recommend her highly enough. The best choice we ever made to ring her.
A. Turrell, Wallaroo, SA
- Refinancer

We had an awesome broker. Extremely helpful. Great communication
A Harbers, Moonta Bay, SA
- Upgrader

I was very happy with the way Carlee handled all the things I wanted to do, with changing banks, getting a better interest rate. The process went very smoothly and she kept me in the loop at all times. I will be using her again for any other financial help I may need in the future.
D Smith, Kadina, SA
- Refinancer

Carlee was excellent and we couldn't have asked any more of her. She has so much knowledge and kept us informed every step of the way.
Kayla Maidment, Wallaroo, SA
- Refinancer

Good follow up from Carlee even after the loan was approved. She also made herself available when I needed answers to questions so that the paperwork could go through during the Xmas break.
DI, North Moonta, SA
- Refinancer

D Lascelles, Kadina, SA
- Car Loan
Carlee was very professional and helpful throughout the application process. I found her advice ethical and grounded

Carlee was fantastic from start to end! Answered every question I had professionally and efficiently. Amazing service.
RG, Curramulka, SA
- First Home Buyer

I contacted Carlee for a specific mortgage requirement and Carlee provided the best options to me. First class service all round, well done.
D. Holyoake, Wallaroo, SA
- Refinancer

We had a great and easy experience. I could give Carlee a call whenever I needed information and she was very knowledgeable and helpful
L Nolte, Wallaroo, SA
- 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.

Download now

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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.