Mortgage Broker & Home Loan Specialist - Yorke Peninsula, Copper Coast, Mid North and surrounding areas

Call: 0499 051 422

Need help with your finances? We are the experts when it comes to home loans and regional lending on the Yorke Peninsula, Copper Coast, Mid North and surrounding areas. Our team is passionate about working with people in our local community to achieve their financial goals.
Our team service the Yorke Peninsula, Copper Coast, Mid North areas including Kadina, Wallaroo, Moonta, Port Hughes, Ardrossan, Minlaton, Jamestown, Clare, Port Pirie and surrounding towns
Whether it is Refinancing your current home loan, buying your first home or building a new home, Carlee is your Home Loan Specialist and Mortgage Broker. Carlee is also, your local expert for the special requirements of FIFO Lending | Regional Lending | understanding Post Code Restrictions | or education around Local Zoning

Contact us today and get started!! Call Carlee 08 88213446

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

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

Latest home loan interest rates

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There are thousands of different finance options and experts out there so why use someone local when you purchase a new home, build or refinance your existing home loan?

As your local Mortgage Choice franchise on the Yorke Peninsula, Copper Copper Coast and Mid North, we are passionate about working with people within our local community to help them achieve their financial dreams and goals. These are the people we see at the local shops, in the school yard and at local events.

The home buying and loan process can be daunting and stressful but we can make it a whole lot easier by working closely with other local providers such as real estate agents, conveyancers, builders and bank branches to ensure that you receive exceptional customer service at every step of the way.

What is your borrowing power?

When you're ready to purchase your property, it's important to have a good understanding of how much you can borrow. We know that finding out how much you can borrow for a property can be a bit confusing, which is why we have some great resources at your disposal.

Feel free to check out our easy-to-use home loan calculators here or get in touch with us to discuss your unique situation.

Start your home loan journey today

Call us on 08 88213446 or email Email Carlee here:

Services we offer:

Home Loans
First Home loans
Investment loans
Upgrading to your next home
Refinancing for a better deal
Home loan health checks
Construction lending
Debt Consolidation
Loan Top Ups (Renovations, Car or Holiday)
Personal Loans
Car Loans
Asset finance

We have access to hundreds of home loans from over 30 banks and lenders. If you are looking to buy a new home, investment property, build a home or even refinance your current home loan we are here to help.

Ready to start your home loan journey with our help? Give our office a call today on 08 88213446 or email carlee.horsell@mortgagechoice.com.au

Appointments are available to suit your schedule (including outside business hours) and can even be done by Zoom if this suits you best

Our team service the Yorke Peninsula, Copper Coast, Mid North areas including Kadina, Wallaroo, Moonta, Port Hughes, Ardrossan, Minlaton, Jamestown, Clare, Port Pirie and surrounding towns

Why should you speak with a broker?

We provide real choice, looking to find you the right deal.
We work with multiple lenders, not just one – keeping competition alive.
We may negotiate a better outcome.
We help at a time and place that suits you, doing the legwork for you.
Our aim is to save you time and stress and get things moving as quickly as possible.

Call us on 08 88213446 or email Email Carlee here:

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

Carlee and Corey were very knowledgeable and great to deal with, they always kept us informed all through the process. We would definitely recommend Mortgage Choice Kadina

Daniel
29 October 2023

Prompt, professional service. After being given the run around by an adelaide based broker which we'd previously used, a quick email to Carlee, saw a meeting teed up within 48 hours and a pretty smooth process from that point on. Definitely recommend for anything finance based

Nathan
08 October 2023

Very friendly, quick response and totally committed. Would recommend this service 100

Shaun
03 October 2023

Carlee horsell is the best

leah
30 August 2023

They are very helpful and friendly people, if you have any questions they are always glad to help you. We were are so pleased with the customer service that we would recommend them to anyone

Karen
12 July 2023

Excellent service outstanding communication and knowlege A

tracy
21 November 2022

Excellent service , Very happy customer, that highly would recommend Mortgage Choice Kadina office to anyone looking for a home loan. Go speak with them you will not regret it.

James
19 September 2022

Carlee and Cory were fantastic We couldnt have asked for a better experience with buying our first family home Exceptional communication and professional service Highly recommend

Kelly
17 June 2022

Carlee and her hubby were great from the get go. Completed most things while I was away in thailand, which I thought would be difficult but all went smoothly and whole process was completed very quickly for me. Highly recommend her. Thanks guys

Ant
17 June 2022

My partner and I recently had our home refinanced. Carlee and Cory at Mortgage Choice Kadina were fantastic and I couldn't recommend them highly enough. It was a painless experience which really took the stress off our shoulders. Carlee was able to get us an extremely good interest rate that we were very happy with I wouldn't take a chance with anyone else and we will definitely be back for another round of great service and outcomes Thanks again

Leanne
18 May 2022

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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Help me calculate

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I'm looking to borrow for

Just me Two of us

Dependants

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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.

Mortgage Broker & Home Loan Specialist - Yorke Peninsula, Copper Coast, Mid North and surrounding areas

There are thousands of different finance options and experts out there so why use someone local when you purchase a new home, build or refinance your existing home loan?

What is your borrowing power?

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

Call us on 08 88213446 or email Email Carlee here:

Services we offer:

Why should you speak with a broker?

Call us on 08 88213446 or email Email Carlee here:

The right home loan for your needs

Client reviews

First home buyer's guide

Help me calculate

How much can I borrow

Home loan repayment calculator

Stamp duty calculator

2nd Applicant

Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

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