Catriona Hanneman Mortgage Broker in Southport, Labrador, Ashmore, Surfers Paradise and Surrounds

Call: 0407 046 465

Catriona is an experienced mortgage adviser who genuinely cares about her customers’ financial wellbeing, and is dedicated to delivering an efficient and personalised service. She always puts her clients’ best interests first and excels at looking out of the box to overcome tricky situations. Catriona is mobile across the Gold Coast region.

Call Us Mortgage Choice Southport
Office - 0407 046 465

Open Hours Mortgage Choice Southport
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
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Services

Whether you’re purchasing or building your dream home or investment property, restructuring or consolidating your debts, Catriona takes a big-picture approach to find the loan that will help you achieve your objectives.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Reverse mortgages (Referred to third party)
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)
SMSF loans
Loan protection insurance
Building/construction loans

Other areas I service

A proactive, professional mortgage broker with a proven track record for exceeding expectations. Catriona can assist all borrowers, and has a particular expertise in working with business owners and the self-employed.

She offers an obligation-free, mobile service across the Gold Coast region, and is happy to meet with clients during business hours and after hours.

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

The best mortgage specialist you can ever find. You will clearly feel the sense of care and support from the first session. She is always available for any support you might need in your way to find the best loan that matches your condition. Highly recommended.

Pedram
14 March 2024

When I wanted a new loan for my property purchase, I returned to Catriona after a great experience the 1st time. Simultaneous settlement, a short time span and early possession meant Catriona managed the financier expertly and made it happen without any issues. I have no hesitation recommending her services.

Nick
19 February 2024

Catriona has now assisted us twice in our journey to our perfect house. This lady goes above and beyond and we have nothing but good things to say about Catriona. There is always genuine interest and you really feel she will get you what suits you best. We are not at the end of our journey yet and have no doubt about who our mortgage broker will be next time. I would recommend Catriona to anyone. Thank you for an always seamless experience Catriona. Until the next time.

Jan
12 February 2024

Catriona was helpful from the start and patient. Stayed in contact frequently, and her response is 100, in reply to my many questions as a first home buyer. Made this simpler for somebody like me who has no education in finances and purchasing on my own. Catronia knew the process of buying a home and great deal of knowledge in setting up a mortgage. I highly recommend her.

27 January 2024

After ending fixed rate with previous bank it was very hard to pay repayments. My partner and I asked getting any help the bank but they didnt seem to care of us, they just ignored our enquiry. Then we contacted Catriona by email and received a phone call 10 mins after sending the email it was even Saturday. Catriona was willing to help us, worked so hard and found the best way for us.
All refin... read more

Kanae.
26 December 2023

Catriona is a fantastic mortgage broker who is professional, easy to communicate with and gets positive results. Highly recommended.

Simon
05 December 2023

Couldnt recommend Catriona enough

She made buying our first home such a smooth process Was always on top of everything, great advice and answered every callemailtext in a such a swift manner. She was helpful, kind, understanding, extremely knowledgeable and professional.

If youre after a trustworthy mortgage broker who will make your experience stress free and go above and beyond for you, Catriona is exactly what youre looking for.

Defiantly will be using her again

olivia
03 December 2023

This is our second time refinancing with Catriona Hanneman and both times have been super quick, easy and straight forward. The communication was phenomenal and would reply instantly to any email or call. She would answer any questions I had in language I could clearly understand which I really appreciated and could then have the confidence to know I was making the right choices.
I would highly recommend her to all my family and friends.

Bri
12 January 2023

Cannot recommend Catriona enough. She helped us the whole way through with excellent communication and organisation. She made the whole experience of buying our first house in Australia as stress-free as possible. Thanks for everything

Natalie
13 December 2022

My advisor catriona Hannerman was fantastic at her job and let us know about every step of the process for the loan

Dale
06 September 2022

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

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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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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.