Emma Stephens Mortgage Broker in Noosa Heads, Sunshine Beach, Peregian & Surrounds

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Call: 0400 576 605

Emma Stephens, 20 years Finance Experience provides intelligent, strategic lending advice to help their clients successfully navigate the lending process and achieve their finance goals. As experienced finance professionals, their expertise is underpinned by a caring, friendly approach and dedication to excellent customer service.

Emma and her Customer Service Loan Writer Kristin can assist with home loans, investment home loans, personal loans, asset finance, and can refer business loans and SMSF loans to business banking specialists. They offer a mobile service across the Sunshine Coast region.

Call Us Mortgage Choice Noosaville
Office - 0400 576 605

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

Address

3/3 Gibson Rd NOOSAVILLE, QLD 4566

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Services

Whether you’re borrowing to buy a home, a new car or to start a business, Emma and Kristin can offer clear, insightful lending advice and help you make educated decisions for a strong financial future.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Reverse mortgages (Referred to third party)
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)
SMSF loans
Loan protection insurance
Building/construction loans

Other areas we service

Experienced, knowledgeable and caring, Kristin and Emma will act as your advocate with the lenders and want you to feel informed and confident at every stage of your borrowing journey.

The offer a mobile service across the following areas:

Emma travels to Noosa Heads, Peregian and the wider Sunshine Coast areas, North Brisbane or interstate.
Kristin primarily services the Sunshine Coast, and can travel as far north as Gympie and south to Brisbane.

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Noosa Heads, Sunshine Beach, Peregian and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted 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 home ownership?

We’ll assist you along the way and do all the legwork for you! Call us today on 0400576605

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

Emma is amazing. She takes the time to understand your goals and situation, and provides amazing support. She makes everything feel easy and kept me up to date with how things progressed. I recommend Emma to all of my friends and family needing lending assistance.

Gemma
18 January 2024

Emma Stephens is a rare find. There are many Mortgage Brokers out there, but Emma offers so much extra value to her clients. Her extensive background in the banking industry is enhanced by her holistic understanding of money, relationships and financial health- concepts that she introduced me to as her client. My partner and I speak different money languages and I was impressed with her skill in conv... read more

Tara
11 January 2023

Emma is hard working, experienced and very professional. I have no hesitation in sending any of my clients her way when they need to either review or apply for a home loan. She knows what she is doing

Paul
01 September 2022

Emma and her smartline team were outstanding,she delivered the the right solution for our needs and got the deal over the line in time I can't recommend her and her team enough.well done!!!

Michael
02 August 2022

Emma is extremely passionate about her work. I've had the chance to witness first hand how hard she ‘fights’ for her clients' best interests. She brings a positive impact to people’s life and that’s what drives her; she is particularly interested in helping women on a path to empowerment, success and independence.

I was really blessed to meet Emma. After living in Australia for 12 years as a migrant from Bra... read more

Anita
15 October 2021

Good god, where do i start.
the work Emma did, the info she gave us and the guidance we got from her was amazing.
she could have walked away after spending so many hours, and not getting a result due to how complicated our details were.
She will always be my go to!

Michael
14 October 2021

Our experience with Emma and her team from Smartline was exceptional!
We first thought our dream of buying land in Eumundi was escaping, due to several obstacles (one being the actual approval) however, Emma and her team were quick, understood exactly what we were going through and after a lot of hard work, delivered.
We are very thankful for working with them, will never forget how helpful they were and would highly recommend Emma and Smartline to anyone else looking for a home loan.

Fernando
19 September 2021

I found EMMA to be very professional, knowledgeable, efficient, client focused and easy to deal with. I would highly recommend her services.

James
05 September 2021

It was so easy to work with Emma from Smartline, Emma went beyond my expectations as I had just separated and was very fragile…. she made my experience with getting a home loan so much smoother….. Thank you Emma and Thank you Smartline.??

Jo-Anne
29 July 2021

Emma was knowledgeable and very motivated to help us. Her communication was exemplary. Highly recommended.

Adrian
25 April 2021

Refinancing guide

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

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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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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.

Emma Stephens Mortgage Broker in Noosa Heads, Sunshine Beach, Peregian & Surrounds

Start your home loan journey today

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