Caroline Jean-Baptiste

Mortgage Broker in Fortitude Valley New Farm, Spring Hill, Newstead and Teneriffe

Call: 0425 800 887

Award winning home loan expert and mortgage broker will work with you to build your wealth and financial future. Work with Brisbane's most reputable broker.

Call Us Mortgage Choice Fortitude Valley
Office - 0425 800 887
Fax - 07 3036 4603

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

Address

Level 1 47 Brookes Street FORTITUDE VALLEY, QLD 4006

Lender

Interest Rate

Comparison Rate

Lender

Interest Rate

Comparison Rate

Credit criteria, conditions, fees and charges apply. Subject to suitability. The comparison rates in this table are based on a loan amount of $150,000 and a term of 25 years. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

Providing finance and helping women to take control of their money and their mortgage so they can build a strong foundation for their financial future

Available to purchase!

Buy That House- How Kickass Women make it Happen

Based in Fortitude Valley, servicing all of Brisbane

As an award winning mortgage broker, my experienced team and I offer you excellent advice, outstanding customer satisfaction, and the best deal across a range of services, including:

First Home Buyer loans
Residential purchases
Investment loans
Refinancing
Debt consolidation
Loan structure

A Team Approach

We believe you deserve a mortgage broker who is genuine and who listens to your needs.

My team and I excel at highly effective and personalised service, which means you’ll always receive:

Dedicated personal attention
Regular updates
A friendly and stress-free experience
The most suitable loan and best deal
Flexible contact hours

We can find the right home loan at no cost to you!

As a Mortgage Choice Broker I am paid by the lender so there is no cost to you for using our service.

Call now for an obligation-free chat to discuss how I can help you achieve your property goals.

Winner - Abundance Global Awards, Profitability 2018

Nominee - Abundance Global Awards, Entrepreneur of the Year 2018

Start your home loan journey today

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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We were extremely impressed and happy with the service you and your team provided. You made what is a daunting process very simple and were able to not only find us a great deal and complete and process our documents efficiently, but educate us along the way. Your office were very efficient, staying in regular contact with us and following up on documents as required. Overall, the service was flawless and I have highly recommended you to a number of our friends and family. I would not hesitate to engage you and your team in the future.
Danielle Bradbery, Mitchelton, QLD
- Upgrader

As usual, Caroline & her team make what would normally be a stressful, confusing thing; a far less traumatic one! Knowing I don't have to worry about anything makes my life much easier every time...wouldn't trust anyone else with my financial needs...
E Meyer, Buccan, QLD
- Upgrader

To know that Caroline has an excellent support (Janet) we felt we were in good hands. Caroline also has a great overview of the available home loan products on the market and assisted in re-structuring our loan to our interest looking long term. Another great work again from Caroline and would definitely use her again in the near future. Give us three years!
R & O Sike, Oxley, QLD
- Refinancer

I have been extremely pleased by the service I have received from Caroline and her staff - from the initial contact, through the loan application and approval process, Caroline and her team made what i know from prior experience can be a stressful time to really a painless experience!
Ben T, Taigum, QLD
- Refinancer

Caroline was great to deal with, particularly assisting us to find a flexible loan to work with our complex circumstances. Everything went well and we were kept up to date all along the way. I can recommend Caroline's office and Mortgage Choice to anyone wanting an easy and informed process.
Christopher B, Ashgrove, QLD
- Upgrader

Thanks Caroline and thanks for all your patience and wonderful help.
You have made this a very easy process for us. We will have no hesitation to recommend your services in the future to people we know. With heart filled thanks.
Tracey and Daniel, Virginia, QLD
- Property Investor

Caroline Jean-Baptiste was exactly the right combination of all the facets of a good broker. She kept in contact prior to signing up without exerting any pressure. She gave a flexible service coming to my work and home on numerous occassions. She displayed a confidence in her products that inspired stress free decisions. Her team are most efficient and communicate effectively on all issues. I'd commend her to anyone who thinks they can do without a broker.
Tina O, Ashgrove, QLD
- Property Investor

LOVE YOUR WORK!!!! 2 mortgages now, and still a happy customer.
Rachel M, Nundah, QLD
- Upgrader

You have done an awesome job once again. Thanks for making this happen. Caroline, your positive attitude is what we appreciate the most.
Keep up the good work - it is faultless. Extremely accommodating and a seamless experience.
G Devlin, Bellbowrie, QLD
- First Home Buyer

We placed an offer on a property only days before leaving overseas so we were a little stressed that we would miss out. This was however no problem for Caroline and her team. All paperwork was processed as quickly as possible, our queries answered promptly and we were kept up to date the entire time. This allowed us to make a successful offer on our home and enjoy a stress-free holiday, thank you.
Brendan Sheppard, Fairfield, QLD
- First Home Buyer

Everything went very smoothly especially as I'm only experienced in the UK process of buying property and mortgaging. Good advice and helpful staff
Mark Buckland, Red Hill, QLD
- First Home Buyer

There wasn't anything more that Caroline and her team could have done for me. Exceptional is a word that I comes to mind.
Great advice, continual ground work that the team did, whilst also being overseas I couldn't be happier with every extra effort that was made. It's the second time I've used Caroline, I would always go back, and recommend at the drop of a hat.
S Duncan, South Brisbane, QLD
- Upgrader

Caroline and her team were a pleasure to work with. Caroline provided very clear information about our home loan options and provide prompt responses to our questions. Along with her team, she ensured our loan applications were processed smoothly and in a timely manner. Caroline was recommended to me by a friend and I will certain recommend her services to others in future.
Emily Brooks, Nudgee, QLD
- Upgrader

The service was professional, friendly and personal, we felt Caroline listened to our needs and understood our situation. We were very happy with the advice given and would highly recommend this business.
Sandra Berry-Porter, Aspley, QLD
- Upgrader

We were blown away with how streamlined the whole process was. It was a real pleasure to get our loan through you. So much nicer than going directly to the bank!
Susan Walker, Gordon Park, QLD
- Upgrader

Guide to upgrading your home

You've built up enough equity to play with and you're wondering which direction you should take. This guide explores the pros and cons of upgrading.

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.

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