Mortgage Broker & Financial Services Experts Windsor, Clayfield

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Colin Fairchild

Your local award-winning mortgage broker and financial services experts in Windsor, Clayfield, Stafford and North Brisbane

Call 07 3262 7555

With years of local property knowledge and over 30 years experience in the financial industry, let the team at Mortgage Choice Windsor help with your next home loan

Call Us Mortgage Choice Windsor
Office - 07 3262 7555

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

Address

2/14 Newmarket Road WINDSOR, QLD 4030

We’re here to help you

Welcome!

Colin Fairchild and his team of Mortgage brokers in Windsor, Clayfield, Stafford and North Brisbane offer you award-winning service and proven home loan expertise.

With years of local property knowledge and over 30 years experience in the financial industry, our team prides itself on putting you, our customers first and helping you to achieve your dreams. We are honoured to have been awarded Mortgage Choice's Gold Award in 2012, 2013 and 2014; recognising our commitment to getting you the right home loan for your situation.

Leave the hard work to us

With over 30 years of finance industry experience, Colin takes the hard work out of finding your next loan.

As your local Brisbane home loan specialists located in the Windsor, Clayfield area, Colin and his team look forward to helping you realise your dream sooner if you are looking for:

First home buyer loans
Construction loans
Refinancing for renovations
Debt consolidation
Investment loans
Bridging loans/Deposit bonds
Mortgages for the self-employed/Low doc loans
Car loans

More of the RIGHT choice for you

Colin and the team at Mortgage Choice Windsor give you easy access to our extensive lending panel representing over 20 of Australia's leading lenders – giving you a genuine choice from hundreds of loan options.

We get paid the same commission regardless of which home loan you choose, as long as it's a residential home loan with one of the over 20 lenders on our panel. This means that no matter what, we're dedicated to finding the right outcome for you.

We come to you

We can meet at a time and place that is convenient for you right across Ascot, Albion, Arana Hills, Breakfast Creek, Clayfield, Everton Hills, Everton Park, Ferny Grove, Ferny Hills, Hamilton, Hendra, Keperra, Kedron, Lutwyche, Mitchelton, McDowall, Pinkenba, Stafford, Stafford Heights, Windsor and Wooloowin.

Additionally, as we are locals and have been for years, we can give impart our local property knowledge to you so you can make the most educated financial and property decisions.

Call today

Call Colin Fairchild at Mortgage Choice Windsor on (07) 3262 7555 or 0413 052 468 or email colin.fairchild@mortgagechoice.com.au to arrange an appointment. Visit us at 2/14 Newmarket Road, WINDSOR QLD 4030 or click the Contact Us link at the top of this page.

Winner - Mortgage Choice Gold Award Winner 2012, 2013 and 2014.

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. ~

Thanks for helping us make an informed decision on the best mortgage provider and product. We appreciated your low-pressure, thorough approach which was very easy to manage. Once we had made a decision, the ongoing support provided by your team made the process very easy and reduced our stress.
Michael and Judy, Hamilton , QLD
- Refinancer

Superb service from Colin and his team! We are very pleased with all aspects and they were always accommodating and willing to talk to us whether by phone or drop-in.
This made our first purchase in Australia an easier process.
Stewart, Bray Park, QLD
- Upgrader

Should we look to refinance or buy another property down the track - we definitely know who we will call and it is you wonderful people. Thank you for helping us make our dream a reality. We are happy, settled homeowners and only this past weekend enjoyed a wonderful housewarming party with our family and friends! And Colin you will be pleased to know we are already ahead on our repayments!
Ali & Nicole, Woodridge, QLD
- First Home Buyer

It has been a pleasure working with your team. You took care of all the paperwork and make it seem so easy to organize a loan - and that too with our best interests in mind.
Raj & Jharna, Everton Hills, QLD
- Upgrader

We would like to thank you for your professional advice in establishing our mortgage.

Your service throughout the process was outstanding – whether answering our many and varied questions or following up on details prior to our purchase.

We would highly recommend your service to other potential home buyers.
Andrew & Kerri, The Gap, QLD
- Upgrader

Colin was incredibly supportive and helpful through the daunting experience of buying my first home. Every step of the way he and his team were upfront about what was going on, and explained the process to me thoroughly and clearly. I will most definitely be returning to Colin again in the future.
Melinda, Redbank Plains, QLD
- First Home Buyer

I am very happy with my refinanced home loan, thanks to you and your friendly staff. From the first phone call my needs were looked after.

My only regret is not contacting you sooner.
Catherine, Moorooka, QLD
- Refinancer

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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 $176,000 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.

The Territory’s First Home Owner Discount has been in place since 8 February 2019. It lets you save up to a maximum of $18,601 on the cost of stamp duty. The savings is available whether you buy a new or established home as long as the home is 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 $8,750, 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 $505,000, you pay stamp duty of $1,050, a saving of $7,875. These savings cut out altogether if your first home costs $550,000 or more. On a property valued at $550,000, for example, the stamp duty would work out to be $10,600.

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 $20,000 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 Melbourne. Or you can receive a FHOG of $20,000 if you buy/build a new home in regional 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.

State / Territorial Revenue Web Sites

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Your local award-winning mortgage broker and financial services experts in Windsor, Clayfield, Stafford and North Brisbane

We’re here to help you

Leave the hard work to us

More of the RIGHT choice for you

We come to you

Call today

The right home loan for your needs

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?

State / Territorial Revenue Web Sites

Latest news & tips

Choices Summer 2017 issue

RBA maintains flexible approach

Market News - Winter Update

The Family Home Guarantee Scheme

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