David Thomas

Your local Mortgage Broker covering Victoria Point, Cleveland, Thornlands, Mount Cotton and all of Brisbane's Bayside and the Redlands.

Call 0447 894 366

Mortgage Choice on Brisbane Bayside has helped thousands of clients purchase property or refinance their existing loans since opening in 2004, with a high percentage of our business resulting from the recommendations from previous happy clients.

Call Us Mortgage Choice Victoria Point West
Mobile - 0447 894 366
Office - 07 3286 7711
Fax - 07 3103 4289

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

Address

PO Box 3423 VICTORIA POINT WEST, QLD 4165

Latest home loan interest rates

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We are a mobile broker and can meet you throughout the Bayside and Redlands region of Brisbane including: Victoria Point, Cleveland, Thornlands, Mount Cotton, Capalaba, Wynnum, Manly, Birkdale, Wellington Point, Redland Bay, Thorneside, Alexandra Hills, Sheldon, Hemmant, Lota, Lindum, Ormiston, Ransome, Chandler, Wakerley and Gumdale.

We are able to quickly compare 450+ loans from over 20 lenders, including the big 4 banks, so there is no need for you to spend ages trawling websites, finding rates and calculating repayments, we do it all for you in seconds.

Leave the tedious forms and phone calls to us. You won’t have to worry about tricky terms and jargon, or jump every time the bank requests “one more thing”. Sit back and relax while we do the running around.

We are committed to helping you find the right mortgage to suit your needs and circumstances. We are passionate about providing you with exceptional customer service. We want to save you time and money and best of all, we DO NOT charge you for this service.

Mortgage Choice on Brisbane Bayside has helped thousands of clients on their journey, so to put yourself in the best position with valuable information and guidance, contact us now!.

P: 07 3286 7711 | E: david.thomas@mortgagechoice.com.au

Start your home loan journey today

We aim to make the process easy and painless by:-

Meeting you at a location of your choice, at your home, your office or a local cafe.
We can travel to see you at a place convenient to you
Completing the paperwork and communicating directly with the chosen lender
Keeping you updated with all aspects of the application and the home loans progress
Providing support and guidance throughout the entire loan process
Ensuring you are given ongoing support for your existing and all future loans

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

David is amazing and could not have been more helpful with everything I've needed

Mitch
14 November 2023

We have been a long-term client of Davids, and he has helped us with multiple loads. David always answers our questions with plenty of information and context. This helps us make good decision with our loan products before we even get to the point of loan application. He is always doing work in the background and when we get to the point of purchase, he checks that all parties banks, agents, solicitor... read more

10 November 2023

Amazing service Always prompt and thoroughly explains every step of the way. Highly recommend David Thomas

Jessica
24 March 2023

Highly recommend David Thomas

Matthew
23 March 2023

Very professional and reliable service and excellent communication. Couldnt be happier with the service from David Thomas, thanks mate Highly recommended Ben.

Ben
24 July 2021

I have engaged Dave's services multiple times over the last 3 years when purchasingrefinancing both my home and investment property. I really enjoy working with Dave, he is reliable, genuine and honest and is always quick to respond to any questions that I have. Dave also provides excellent customer service, we meet at times and locations that are convenient to me and he provides good advice with the... read more

Sandy
23 June 2021

David first helped us get our mortgage 3 years ago, and more recently to source a better deal Couldn't be happier with the service we received both times. Through the whole process, from application until completion, David keeps you informed at all times and very prompt to respond to any queries or concerns. Thoroughly recommend.

Lynne
23 June 2021

Thanks for all your help David, we'll definitely use your services in the future.

HP
23 August 2019

David provides a fantastic and prompt service. He always keeps us up to date and makes the whole process easy and stress free.

S Purtell
30 July 2019

Everything was excellent, above and beyond our expectations.
David was able to meet up at weekends and at our place of work when required.

J. Walker
07 June 2019

Refinancing guide

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

Download now

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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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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.

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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.

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

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Your local Mortgage Broker covering Victoria Point, Cleveland, Thornlands, Mount Cotton and all of Brisbane's Bayside and the Redlands.

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing