Your Mortgage Choice home loan specialist in Mt Ommaney, Forest Lake, Calamvale and Browns Plains and surrounding areas

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Call: 0404 020 043

I am currently offering free seminars for first home buyers and investors. Contact me for full details of upcoming seminars. My next investment seminar is on Wednesday May 22nd at 6 pm.

Call Us Mortgage Choice Mount Ommaney
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Open Hours Mortgage Choice Mount Ommaney
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Unit 6B3 Mount Ommaney Shopping Centre, 171 Dandenong Rd MOUNT OMMANEY, QLD 4074

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I am currently offering free seminars for first home buyers and investors. Contact me for full details of upcoming seminars.

I also run seminars on other topics, including simple money management issues and developing good financial habits in children. I am available to do these seminars for groups such as schools and clubs. So if you would like to discuss these options, please call or email me. These seminars are always well received (see testimonials).

I have always had a strong interest in property and in investing, which eventually led to me gravitating to this line of work. Whether you are looking for your first home or planning to build a portfolio of investments, I can be there to help find the mortgage that suits you.

It is exciting buying or building your first home, and the adventure of using this as a springboard to secure a financial freedom puts the icing on the cake. It is important to set up home loan structures that enable you to move forward with your future plans.

So feel free to contact me. My service is free*, and I am happy to meet you in your home, or anywhere else that suits you.

My background is not in finance, but education (both tertiary and schools) and mathematics, so I feel well qualified to provide your mortgage and personal loans needs.

Please note that my area includes the following suburbs, but I am not restricted to these and often do loans elsewhere in Brisbane and close-by regional areas.

4073 Seventeen Mile Rocks and Sinnamon Park
4074 Jamboree Heights, Jindalee, Mt Ommaney, Middle Park, Riverhills, Sumner, Westlake
4076 Darra and Wacol
4077 Durack, Doolandella, Inala, Richlands, Serviceton
4078 Ellen Grove and Forest Lake
4106 Rocklea
4108 Archerfield and Coopers Plains
4110, Acacia Ridge, Heathwood, Larapinta, Pallara, Willawong
4115 Algester and Parkinson
4116 Calamvale, Drewvale and Stretton
4118 Browns Plains, Forestdale, Heritage Park, Hillcrest, Regents Park

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

Mark helped us get our first home and was so amazing throughout the whole process. He was recommended to us through our friends who also had a great experience with him.
When we first met he made the effort to come to our house for a few hours to explain the full process in detail and made the daunting task of buying a house very achievable. Mark was very good at explaining things in the terms that we cou... read more

April
21 March 2023

We went into the home buying process with extremely limited knowledge about the things that come with buying a house. Mark Evans is extremely knowledgeable about the process, answered all questions we had, was very friendly and approachable and ensured that everything happening was beneficial for us as buyers.
We are settling our contract this week and were very happy with the service he provided in findi... read more

Evana
18 March 2022

Mark is a fantastic broker and his work ethic and customer service is second to none. Answered all the questions my wife and I fired at him and walked us through the whole process without us having any hesitation. Would recommend Mark to anyone, 5 Star service

Matthew
17 July 2021

Have the greatest respect for Don Kerr has a mortgage broker, financial whiz and gifted mathematician. It does not take a lot of time with Don to establish that he's a deep thinker and is happy to share the best of his knowledge for which you should take heed.

John
18 July 2018

Don is a very easy person to deal with; he has a lovely friendly manner and explained things we didn't understand very well. Even though we'd been through this before it is still overwhelming. Lenders etc who do this on a regular basis tend to forget that even though it's simple to them it is not to us. Don didn't come across like that at all, which we appreciate very much. Don has been great at keeping us up... read more

Steph and Daniel
17 December 2017

I was worried about refinancing and all the work that goes with it. Cameron and I are very busy working full time, studying and have 3 Kids, so it has been a relief to deal with people that know what they are doing and that are so helpful in getting things done. I would certainly recommend Mortgage Choice, and in particular Don.

Cameron and Jody
17 December 2017

I felt very comfortable and well looked after all the way through the process. Working together made it so much easier for a first home buyer. Having every step explained and knowing someone was there to answer my questions was reassuring. Thank you.

Anthea
17 December 2017

Don provided personable advice and a matter of fact appraisal of our loan options. He was willing to investigate several possible scenarios for us, allowing us to make an informed decision about our mortgage. Armed with the information and pre-approval provided by Mortgage Choice, we were able to locate a suitably priced property and confidently negotiate the purchase of our new home. Don was also of invaluabl... read more

Kris
17 December 2017

Don is very experienced in property and has provided me with a lot of mentoring and very analytical advice. He knows his stuff. His service to me has been fantastic. I highly recommend doing business with Don.

Jesse
18 July 2016

Refinancing guide

If you’re thinking about refinancing, this guide can help you learn more about the refinancing process, benefits and options available.

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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.

From 09 May 2024, if you buy a home costing up to $450,000, no stamp duty is payable at all. If the value of your home is between $450,000 and $600,000, you’ll be entitled to a reduced rate of stamp duty.

There are no additional concessions for homes valued above $600,000 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.

Your Mortgage Choice home loan specialist in Mt Ommaney, Forest Lake, Calamvale and Browns Plains and surrounding areas

Start your home loan journey today

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