Derek McLeod, expert Mortgage Broker Westfield Carindale

Derek McLeod - Your experienced & professional mortgage broker at Westfield Carindale

Call: 07 3398 8044

Looking for a home loan, refinancing, investment loan, car or business loan? Talk to Derek McLeod, your local mortgage broker servicing Camp Hill, Carina, Tingalpa, Mt Gravatt & surrounding suburbs. Let me research and compare over 20 different lenders for you to find you the right deal.

Call Us Mortgage Choice Carindale
Office - 07 3398 8044
Fax - 07 3343 4478

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

Address

Professional Suites - Level 1 Carindale Shopping Centre, 1151 Creek Road CARINDALE, QLD 4152

Your expert mortgage broker in Carindale - helping you make informed home loan decisions

If you are considering buying or building a home, refinancing an existing home loan, or building an investment portfolio, then chances are you have a lot of questions and want to make the right decisions. You probably also don't have lot of time on your hands.

Derek McLeod is a Mortgage Choice mortgage broker with over 15 years of experience - having started mortgage broking in 2003. He is also a respected member of the Mortgage Choice FAC (Franchise Advisory Committee), being one of only two Queensland representatives for over 400 Australia-wide mortgage broking businesses.

As a professional home loan specialist, Derek will do all the legwork on your home loan - from application right through to settlement - so that you can move forward with confidence.

Derek McLeod will strive to fully understand your finance needs

Getting a full understanding of your circumstances and financial goals, Derek will work out how much you can comfortably borrow and afford to repay.

Comparing hundreds of home loans from over 20 lenders, including the big four banks, Derek has helped hundreds of clients from across Carina, Mount Gravatt and the Camp Hill area and beyond buy property and find the home loan that best suits them.

We do all the paperwork for you

When you are ready to proceed with an application, Derek will prepare all the paperwork and support you through the entire home loan process.

Our 'client for life' philsophy means you can rest assured that even when your loan is settled, Derek will be in touch down the track to ensure your loan is still the best option for you.

We will answer all your questions

With over 15 years of experience as a mortgage broker in the Brisbane area, specifically servicing the Carindale, Carina, Mount Gravatt and surrounding areas, Derek McLeod has a wealth of knowledge on the local area.

Having lived and worked in the Carindale area since 1986, Derek has watched the area develop and prosper. He can assist if you're at any location - across Brisbane, or the local areas around Carindale, Carina, Tingalpa and Camp Hill.

Derek strives to find the answers to all of your questions to ensure you can make decisions confidently.

Free home loan service

Derek's expert advice and service from application through to settlement and beyond is at no cost to you because the lenders pay Mortgage Choice.

We can help you with all of your lending needs, including:

Services we offer from our Carindale office - or Derek can come to you!

HOME LOANS

PROPERTY INVESTMENT

INSURANCE

CAR LOANS

PERSONAL LOANS

CREDIT CARDS

BUSINESS LENDING

EQUIPMENT FINANCING & LEASING

Additional services available:

Contact us today!

Call Derek McLeod at Mortgage Choice in Carindale, located in Westfield Carindale Shopping Centre, today on 07 3398 8044 or Book Online for a free no-obligation appointment.

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. ~

Best in the business! Derek made such a scary/stressful thing for myself and my partner so much easier! We had a poor experience with another broker who just wanted our money but Derek sat down with us and went through literally everything and answered every dumb question we had. Couldn’t recommend Derek more, will always be thankful for him ☺️
Sindy Callon, Carindale area, QLD
- First Home Buyer

I appreciate Derek's ongoing communication via email as it keeps me in touch with market conditions and rates, and it was one of his emails that prompted me to refinance.
I have total trust in Derek, and the high quality of service he provides, going above and beyond my expectations. I always encourage my friends to contact Derek if they are in the market for a new loan or refinance options.
Chamindra and Michelle, Richlands, QLD
- Refinancer

Derek has been my mortgage broker for over 10 years and helped me purchase properties on three seperate occasions. He provides honest and impartial advice, and has always been willing to help me achieve the best possible outcome for my present situation. My best investment by far was finding him to do all the hard work and number crunching. Highly recommended.
Rebecca Best, Carindale area, QLD
- Upgrader

Derek helped my husband and I with our first home loan. He helped us with all our queries and made this process so much easier for us. I even got my parents to go through Derek and they love him! I definitely recommend him.
Roseanna Anderson, Carindale area, QLD
- First Home Buyer

Derek is very helpful and gives you good advice when need. He made the process of buying a property for the first time very manageable. It also became less stressful as he provided guidance every step of the way
Shanna Moffat, Manly, QLD
- First Home Buyer

Derek provided fantastic service, reliable advice, regular updates, and was extremely helpful.
Alexandra, Thornside, QLD
- First Home Buyer

Awesome personalised service. Derek was available to me every step of the way and had loads of actually useful advice. Derek made purchasing a home for the first time much less daunting than I am sure it could be. Thanks Derek
Karen Woodgate, Carindale area, QLD
- First Home Buyer

I am extremely grateful for Derek's friendly & helpful professionalism. He was there every step of the way, often going over & above. Derek's knowledge & experience made me feel at ease during what can be a stressful and time consuming process. I unreservedly recommend Derek. When I buy my next property I will definitely be availing myself of Derek's services. Thanks Derek, I couldn't be happier.
Ron Nelson, Carindale area, QLD
- Upgrader

We have just bought our first home & Derek made the process less stressful with his prompt responses & all of his help & support around the clock! We would highly recommend him. Thanks again Derek!
Laura Johnson, Carindale area, QLD
- First Home Buyer

With my settlement, I had a very short time frame to get a home loan approved with a bank. Derek helped me expedite the process working through the weekend to finalise the process. I am very happy with this service.
Anand, West End, QLD
- Property Investor

I was clueless about buying a house in Australia.
Derek helped me at every step starting from the basics.

Derek was thorough and professional. He made sure that the all the required documentation was in place before we went ahead with the application. There were no hassles in getting a loan and the bank did not have to check anything again which meant there was no to and fro happening between the bank, Derek and us.

Apart from that Derek also provided useful tips when it came to buying a house. This was helpful in the setting the dates and the negotiation.

If you are looking for someone who is considerate and meticulous, Derek is the go-to person. 100% recommended.
Hariharasubramanian (Hari) Vijayaraghavan, Carindale area, QLD
- First Home Buyer

Derek McLeod was an enormous help when searching lenders for our first mortgage and it gave us huge peace of mind knowing he was helping us. He not only proved to be highly committed but he was also very approachable and kept in touch through the whole process. We bought our house two years ago and he's still helping us by getting us better interest rates. We would highly recommend him and we'll definitely seek his help in our next purchase.
Leire and Sam, Rochedale South, QLD
- First Home Buyer

Derek is EXTREMELY knowledgeable, hard-working, professional and friendly. This was our first home and we're so fortunate that we had Derek with us throughout our experience and if we were to do this all over again, we would want no one but Derek as our Mortgage Broker. His passion for sharing his wealth of knowledge is highly commendable and we can not recommend him highly enough. Thanks for making this journey less stressful and teaching us a thing or two along the way- we love our new home!
Melissa and Vinay, Everton Hills, QLD
- First Home Buyer

This is the second time we have gone to Derek at Mortgage Choice, Carindale. He was so helpful and easy to talk to the first time, there was no question of who to see when we needed to renegotiate our mortgage. Both times, Derek found the perfect financial package to suit our needs, explained the pros and cons so that we could make an informed decision and kept us regularly up to date along the way. He took the time to answer our questions at any time of day and on weekends. On a number of occasions I would send an email outside of normal business hours, expecting a reply the next day, only to have Derek call us immediately after the email had been sent. That’s customer service at its best! And once settlement has taken place, Derek continues to look after his customers. On our previous mortgage, and without any prompting from us, he negotiated a reduced interest rate with the lender in our behalf. This was two years after settlement and led to an increased saving on our repayments! We will definitely be contacting Derek for our future financial needs!
Leif and Janine, Wishart, QLD
- Refinancer

Derek from Mortgage Choice Carindale was an enormous help in obtaining a home loan to buy our first home. Derek has a wealth of knowledge within this industry and we would highly recommend his services to anyone wishing to buy or build a house. Without his help, we would not be in the exciting, initial stages of building our first home. He is still providing ongoing support through this process for us three months after the deal was done and we couldn’t be happier with his service. Thank you Derek.
Ashleigh and John, Carina, QLD
- First Home Buyer

Step-by-step guide to home ownership

There are many steps involved in purchasing a property which can vary between residential and investment properties. This guide explains each step in order as well as what is involved at every stage of the purchasing process.

Download now

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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.