Mortgage Broker & Financial Services Experts in North Brisbane, Aspley, Albany Creek, Chermside and Carseldine

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Colin Fairchild

Colin N Fairchild

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

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

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 30 years of experience that we dedicate to helping you achieve your home owning dreams.

Not only do you have access to years of financial experience, but we are all locals of the Aspley, Albany Creek, Chermside and Carseldine areas. 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 experts.

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 30 years of finance industry experience, we’re dedicated to helping you find the right loan – we sort through over 20 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.

We come to you

We’ll meet with you at a time and place that’s convenient for you – including evenings.

We service the entire North Brisbane area including Aspley, Albany Creek, Chermside, Carseldine, Nundah, Northgate, Bald Hills, Bray Park, Warner and Dayboro. Wavell Heights, Virginia, Nudgee, Strathpine, Brendale and Eatons Hill.

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.

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. ~

I felt like you were always available and approachable. You were always happy to provide advice and guidance throughout the whole sales process which I greatly appreciated.

It was comforting to know that either yourself or Janet would always find answers to the questions that I had and get back to me promptly.

Thanks again for making the purchase of my property as easy and stress-free as possible.

Kind regards
James, Balmain, NSW
- First Home Buyer

Thank you for all of your support in securing finance for our recent house purchase.

You found a fantastic deal for us which met our needs 100%. You were efficient and professional throughout the entire process and removed a lot of the stress.

I would not hesitate in recommending your services to other colleagues and friends.
Kevin & Sarah, Windsor, QLD
- Upgrader

Dealing with you was a pleasure. The process was made simple and easy and you were always available whenever I needed to get in touch. Most importantly, you successfully got finance for me.

I will not hesitate to use your services in the future.
David, Warner, QLD
- First Home Buyer

I would like to thank you for making the process of buying my first home such a breeze with all the information and experience I needed in one place.
Mitch, Caboolture, QLD
- First Home Buyer

I would like to thank you and your staff for settling our contract when purchasing a unit off the plan in Brisbane.

Our financial circumstances had changed throughout the time of the building completion and you were able to meet our needs and find us the right package.

The loan settled without any hassles and I’m more than happy with the result.

Kind regards
James (1), Dalby, QLD
- First Home Buyer

Thank you so much for your valued assistance in purchasing our recent new home. We spent a lot of time trying to find the ideal house and our scenario changed a number of times.

Mortgage Choice, and yourself in particular, were always friendly, helpful and responsive and made the process very easy for us. We had used Mortgage Choice before and returned because of the service, and we will definitely do so again.
Mike & Carolyn, Chapel Hill, QLD
- Upgrader

I would like to thank you for all your efforts and services provided by you and your colleagues during the recent process of my property purchase. I cannot stress enough how happy I was. All requests by me to you were carried out promptly and efficiently and I was very satisfied with the services provided.

I would have no hesitation in recommending Mortgage Choice to anyone I know and would definitely use Mortgage Choice should the need arise.

Mortgage Choice has by far been the best organisation/company I have dealt with since moving to Australia.
Matthew, Bridgeman Downs, QLD
- Upgrader

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, Zillmere, QLD
- First Home Buyer

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, Clayfield, QLD
- First Home Buyer

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, Emerald, QLD
- Property Investor

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, Palm Beach, QLD
- First Home Buyer

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, Rochedale, QLD
- First Home Buyer

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, Kedron, QLD
- First Home Buyer

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

We make your next home loan in North Brisbane easy

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

We take care of the paperwork

We come to you

Our service comes at no cost to you

Getting started is easy

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

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