Mortgage Broker servicing Toowoomba, Kearneys Spring, Glenvale and Middle Ridge and surrounding area

Call: 0452 428 047

As your local Mortgage Choice broker servicing Kearneys Spring and surrounding Toowoomba suburbs Harvinder will provide you with access to a wide choice of lenders, including the major banks. Contact him NOW to discuss your individual situation.

Call Us Mortgage Choice Kearneys Spring
Office - 0452 428 047

Open Hours Mortgage Choice Kearneys Spring
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
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Harvinder is a mobile broker servicing Kearneys Spring and surrounding suburbs of Toowoomba and will give you expert home loan advice.

As your local Mortgage Choice broker, Harvinder is committed to ensuring you truly have the best interest rate available on the market! If you're looking to save money on your home loan or if you need an experienced Mortgage Broker to help you secure finance for your new property then give him a call.

Start your home loan journey today

Our promise to you

As your Mortgage Choice broker servicing Kearneys Spring, Glenvale, Middle Ridge and surrounding Toowoomba suburbs, Harvinder Khalsa is committed to ensuring you truly have the best interest rate available on the market! Our promise is:

Don't pay a thing. Our home loan service is at no cost to you!
We will do the legwork. You can save hours of research and paperwork by getting us to help!
You will always get straight advice. We don't favour lenders! We are paid the same regardless of which lender you choose.

Benefits of speaking with a broker?

We provide real choice, looking to find you the right deal.
We work with multiple lenders, not just one – keeping competition alive.
We may negotiate a better outcome.
We help at a time and place that suits you, doing the legwork for you.
Our aim is to save you time and stress and get things moving as quickly as possible.

Book your appointment TODAY!

We can also help you with:

Home Loan Resources

We like to make sure our clients have all of the information they could possibly want or need, which is why we have so many great home loan resources available including:

Find out how much you can borrow

Are you house hunting? It could be helpful to know what your borrowing power is. Use our helpful home loan calculators to find out what your borrowing capacity is, so you can have confidence when it comes time to find the perfect home. Try our home loan calculators.

Home Loan Calculators

To arrange an appointment please call Harvinder Khalsa on 0452 428 047.

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Kearneys Spring, Glenvale and Middle Ridge and surrounding area 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 Harvinder Khalsa 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 Harvinder Khalsa today on 0452428047

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

Excellent service. Highly recommended Harvinder Khalsa for all mortgage services.
Tanu
15 November 2023

Excellent work on documentation. Our loan got approved within 2 days after lodgement. We would highly recommend their services as they do their research and due diligence. This is evident from the quick turnaround.
Dilawar
24 October 2023

Harvinder Khalsa jis work is as fantastic as he is as a human being. He made the experience for us so smooth and hassle free. He is very knowledgeable, helpful and professional. Highly highly recommend if someone needs a broker. He is THE best in town.
Amardeep
28 September 2023

Harvinder Khalsa ji is very professional and made the experience for us so smooth. Very knowledgeable as he knows what he is doing. Highly recommend if someone needs a broker.
aqua
28 September 2023

Harvinder Khalsa ji is very honest, supportive and easily approachable broker. He helped us to get our first home loan. I highly recommend his services.
Gurvinder
25 September 2023

Harvinder is very hard working, made the process very easy sorting everything while I was at work. Good broker
brad
24 September 2023

Very easy to talk to, great communication. Always happy to be to be emailed or called.
mathew
06 September 2023

Harvinder has been an incredible asset in our home loan proceedings, always available and willing to assist with any query or concern, and provided timely updates on all matters. I would rate higher if I could.
Jadan
05 September 2023

Appreciate to you bro I got my loan approved in short amount of time only because of your efforts thanks you for your support great customer services
A
11 June 2023

As first time home-buyers, my husband and I are very grateful for the excellent service provided by Harvinder Khalsa through Mortgage Choice brokers in Toowoomba. Harvinder tirelessly negotiated with different lenders on our behalf, securing a great deal and guiding us through the entire process.
We would not hesitate in recommending Harvinder to anyone seeking the services of a mortgage broker who genuinely cares about their clients and gets results.
Carol
02 April 2023

Refinancing guide

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

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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 $650,000.

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.