Derlin 'Dee' van Tienen Mortgage Broker in Samford, Bowen Hills, Brisbane & Australia wide

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Call: 07 3139 0242

For over a decade, Dee van Tienen has been helping everyday Australians buy a place of their own, become self-reliant and have confidence in their future. Her mission is to help families reach their financial goals, whether it is to build wealth or become financially independent.

Although based in Brisbane, Dee helps clients throughout Australia. She can assist with all lending needs, including refinancing, purchasing a new property, starting or growing an investment portfolio, or borrowing for a new or expanding business.

Call Us Mortgage Choice Bowen Hills
Office - 07 3139 0242

Open Hours Mortgage Choice Bowen Hills
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
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Services

Knowledgeable, professional and passionate about helping her clients build wealth, Dee offers strategic advice, expert guidance and smart solutions for a successful borrowing experience.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
SMSF loans
Deposit Bonds
Bridging loans
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)

Other areas I service

If you would like to discuss your property investment ideas and get help on how to go about making it happen, Dee can talk to you about the many financing options available. Make her a part of your investment team.

Based in Brisbane's Inner Northside, Dee work with clients from all over Australia, from the Sunshine Coast to Gold Coast. After-hours consult is available by appointment.

Check out our free calculators!

Wanting to find out your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Arana Hills, Highvale & Samford, Bowen Hills, Brisbane and surrounds, we understand that finding out how much you can borrow for a property 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 us to discuss your unique circumstances.

Ready to kickstart your journey to homeownership?

We’ll assist you along the way and do all the legwork for you! Call us today on 07 3139 0242.

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

Dee was fantastic helping myself out. I was recommend from friends who used her services previously and Dee helped secure me a first home through looking at different lenders to types of loan options she would always be able to fit me in around a busy schedule and would answer any q's I have If you're after a loan I advise to get in touch

Jackson
08 December 2023

I am a returning customer of Dee and team, this is our third time seeking her services. They have been consistently awesome every time we've needed a home loan for buying or refinancing. Friendly, professional, efficient and very knowledgeable

Dommie
09 October 2023

Derlin is very friendly and professional. She is always available to answer questions. She is also a justice of the peace, which is very handy when it comes to witnessing documents, and make the whole process easy.

jenny
22 September 2023

We have had the pleasure of working with Dee on numerous occasions over the years, and without a doubt, we can confidently say that she has consistently surpassed our expectations. She is always flexible in accommodating our busy schedule, making the process smooth and hassle-free.

Dees patient and attentive approach has been reassuring. She takes the time to understand our specific needs and always cl... read more

Natasha
29 July 2023

Dee has been an incredible help over the past couple of years, leading us to our first home in 2022. Her expertise and dedication made the process smooth and stress-free. Dee's genuine care for her clients and attention to detail set her apart. We highly recommend Dee for anyone looking to achieve their home ownership dreams. Thank you, Dee

Jye
27 July 2023

Dee, help us build our new home last 2017, but until now she never forget to remind us about new deal, and she take care of us, easy to ask about we dont know about mortgages, we refer her to some of our friends and my son, and they are vary satisfied and happy about the result they get.

Ronald
25 July 2023

Dee has always given us a quick response. Being our first home loan, she's always answered the 100s of questions we have asked and explained things thoroughly.

Jan
19 July 2023

We have been seeking help from Dee in securing home loans since 2018. Being born overseas and new to the financial and credit system in Australia, her help throughout those years gave us confidence in going into property market. Thank you , Dee

Nay
14 July 2023

Dee has been great with us. We met with Dee and immediately connected, very open and service oriented. Dee has helped us all of the way along through to buying our first house. Could not recommend Dee more. It's a stressful, anxious period but Dee was there at every corner and providing great advice, connected us with other good people along our journey and just made the whole process trouble free and seamless. Oh, and solutions based, never saw a problem just had solutions - a great quality.

15 June 2023

Dee is absolutely fantastic She has assisted us with 2 loans now and always has current and easy to understand information and goes above and beyond. Highly recommend her services

Alana
22 May 2023

Refinancing guide

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

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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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