Colin Fairchild

Colin N Fairchild

Your Mortgage Brokers & Financial Services Experts in North Brisbane - Aspley, Albany Creek, Chermside and Carseldine.

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Call 07 3180 1648

Call Us Mortgage Choice Chermside
Office - 07 3180 1648

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

Address

16 / 51 Playfield Street CHERMSIDE, QLD 4032

Start your home loan journey today

We make your next home loan in North Brisbane easy

Your team of Mortgage Brokers & Financial Services Experts in Chermside and North Brisbane have over 40 years of experience that we dedicate to helping you achieve your home owning dreams.

Our focus is to help you make the right home loan decisions for your individual circumstances with the help of our mortgage broker and property expertise.

Our mortgage broker's experience is your best asset if you are:

Buying your first home
Refinancing your home loan
Purchasing an investment property
Upgrading to your next home
Looking for ways to use home equity
Downsizing

With over 40 years of finance industry experience, we’re dedicated to helping you find the right loan – we sort through over 25 lenders and hundreds of loans on your behalf, to save you time and worry, so you can achieve your home owning goals.

We take care of the paperwork

We make the loan process easy.

You make the final home loan choice, and then sit back and our team works with your lender, solicitor and real estate agent or builder to make your home purchase quick and easy.

We’ll keep you up to date at all times – all the way from application to settlement.

Our service comes at no cost to you

We are paid by lenders – not you, so there are no hidden charges or additional fees when you arrange your next loan through Mortgage Choice North Brisbane.

Our Mortgage Choice team can now assist you with personal loans, car and equipment loans, income protection and life insurance cover as well as debt reduction strategies.

Getting started is easy

Speak with Mortgage Choice North Brisbane today to discover how easy your next loan can be.

Call Colin Fairchild on 0413 052 468 or contact our office at 16/51 Playfield Street, Chermside QLD 4032 by calling 07 3180 1648.

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing North Brisbane - Aspley, Albany Creek, Chermside Carseldine and surrounds, we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with Colin to discuss your unique circumstances.

Ready to kickstart your journey to home ownership?

We’ll assist you along the way and do all the legwork for you! Call Colin today on 07 3180 1648.

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

Janet from Mortgage Choice was on the pulse with our loan from start to finish, we didn't have to do any chasing and no question went unanswered. We were very happy with the service Janet provided and would recommend her to anyone we know. Thank you for taking care of us -

Jess
17 July 2020

these giys are top notch
they will hook up a silly bloke like me with a home loan easy done

Nick
17 July 2020

Obtaining finance for a mortgage can be a very daunting, and most often emotional experience. Having dealt directly with the major banks in the past when purchasing property, I have found them traditionally difficult to deal with, and lacking of any personable qualities. Making the decision to purchase property will be the biggest choice many of us ever make, so it is critical that you find a len... read more

Clinton
18 July 2019

A good friend recommended me to Mortgage Choice when I was faced with the task of buying my own place.
I have to say, you made the process stress free and easy for me. It saved me having to do all the research on my own, as we are all time poor and I would highly recommend you to any friends thinking of buying a place.
There was very few trips to sign terms etc. It took the fear factor out of purchasing my first home.
Thank you kindly.

Una
18 July 2019

As first home buyers, the world of mortgages is a daunting one! We both thank you for making the process as painless as possible – your flexibility, patience and ongoing support has been greatly valued by both of us, and we would not hesitate to recommend Mortgage Choice to our friends and family.

If we are ever in the position of needing to refinance our mortgage, or establish another, you would most certainly be the first person we would call!

Lily & Ian
16 December 2017

Thank you so much for all of your help with buying our first home. Not only did you provide us financial advice, but helped us through the whole process from initial advice, to securing the loan and we could not have done this without you and the whole Mortgage Choice team. We love our new home and hope to make so many lasting memories here. You truly went above and beyond and provide advice and support all the way up until settlement. Thank you for everything!

Shalon & Cameron
16 December 2017

Thank you for making such a potentially stressful time an absolute breeze. Am now all settled in to my very own first home!

Your support and communication made obtaining my finance a really pleasurable experience. Thanks again!

Lauren
16 December 2017

We could not speak highly enough of you and your team.

We have been using your services for the past 6 years. We are more than happy with the services received and we would not hesitate to recommend your services to others.

We are looking forward to doing business with you again in the near future.

Thank you

Ulysses & Katie
16 December 2017

Our mortgage broker was knowledgeable and easily approachable with questions we had as first home buyers.

The process was straight forward, so much that we felt like we hadn’t done any of the work once we were approved.

Our broker was also readily available when the deadlines started rolling in.

We will definitely use Mortgage Choice again.

Jason & Narelle
16 December 2017

I found yourself and Janet to be extremely helpful and very prompt in returning calls and emails, making the process of purchasing my first home that little bit less stressful.

Thank you for all your help and advice throughout the whole process.

Emma
16 December 2017

Refinancing guide

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

Download now

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

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.

Click here for more information on the WA First home Owner Grant.

State / Territorial Revenue Web Sites

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