Mortgage Choice: Local Gold Coast Home Loan Expert

Multi-award-winning team of Mortgage Brokers & Financial Planners - Gold Coast- Miami, Burleigh & Palm Beach

Call: 07 5508 2205

Looking for help with your Home Loan or need a reliable Mortgage Broker to help you achieve your property dreams? Mortgage Choice Miami, Burleigh & Palm Beach are your local Mortgage Brokers and Home Loans specialists. Recently awarded the top Broker for Mortgage Choice in Australia and the QLD Multi Operator winner 2019!

Call Us
Office - 07 5508 2205
Fax - 07 5508 2204

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

Address

Shop 2, 1920 Gold Coast Highway MIAMI, QLD 4220

Are you looking to buy your first home, refinance, buy an investment property or even upgrade the home you have now? Or are you on the hunt for a reliable Mortgage Broker? Look no further! The team at Mortgage Choice in Miami, Burleigh & Palm Beach are here to assist with your financial needs and goals. We service Burleigh, Miami, Broadbeach, Mermaid, Robina, Mudgeeraba, Reedy Creek, Worongary and all surrounding suburbs.

At Mortgage Choice in Miami, Burleigh & Palm Beach we do all the hard work for you. By contacting us, your home loan specialist on the Gold Coast, and spending a few minutes explaining what it is you are looking to do, your dream and how you wish to achieve it, we begin our process.

As your Mortgage Broker we conduct all the research and find the most suitable home loans for your specific situation, at which point we then invite you to one of our three Gold Coast offices to sit with us and discuss your options in detail.

As award winning Mortgage Brokers, our experienced team offer excellent advice, outstanding customer service and can provide the best deal across a range of services, including:

First Home Buyer Loans
Residential Home Loans
Investment Loans
Refinancing Loans
Construction Loans
Commercial or Business Loans
Car Loans, Personal Loans
Equipment Finance
Debt Consolidation
Financial Planning

As your local Mortgage Broker and Home Loan Experts we will make the process easy, painless and hassle free by:

Taking the confusion out of the home loan process – providing you with professional financial and home loan advice
Completing all the paper work with you and submitting your application to your chosen lender on your behalf
Providing support and guidance throughout the entire home loan, personal loan or business loan process
Ensuring you are given ongoing support for your existing and all future home loans and personal loans
Provide you with a selection of home loan options from which you can choose and explain the features, fees, costs and other details associated with each loan option
Communicate with your chosen lender throughout the process and keeping you up to date along the way
Ensure that your home loan experience is as stress free as possible

Contact us, your local Gold Coast Mortgage Broker and Home Loan Expert today at Mortgage Choice in Miami, Burleigh & Palm Beach on

(07) 5508 2205 or email sales.palmbeach@mortgagechoice.com.au

AVAILABLE FOR AFTER HOURS APPOINTMENTS!

Servicing Burleigh Heads, Miami, Broadbeach, Mermaid, Robina, Mudgerraba, Reedy Creek, Worongary and all surrounding suburbs.

Not sure where to start? Need some further information?

Our guides below provide further information which may assist you with your home loan.

_{First Home Buyer Guide}

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process.

_{Step-by-step Home Ownership Guide}

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.

_{Guide to Upgrading Your Home}

You've built up enough equity to play with and you're wondering which direction you should take. This guide explores the pros and cons of upgrading.

_{Refinancing Guide}

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

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. ~

Google Reviews

See all Google reviews

Our experience with mortgage choice was absolutely painless. We were expecting the experience of buying our first home to be quite stressful.
The staff at Mortgage Choice made us feel at ease instantly and kept us informed through the entire process, their knowledge and expertise is second to none, we highly recommend their services.
Mark and Kathleen, Gold Coast, QLD
- First Home Buyer

Can't top 'em. Can't say enough good things about them. Just go and see them. Doesn't get any harder than that.
Cheers Tim and Sally
Tim & Sally, Gold Coast, QLD
- Property Investor

All the team at Mortage choice Miami!
We can't thank you enough for all the support and hard work you guys put in to make the purchase of our first home, smooth and fast.

You went beyond the call of duty to make our dreams come true!!

Outstanding service!! No wonder you have a whole wall of awards James!!!!

We will definately be referring friends, family and whoever else wants to buy a house to you guys! You made it all happen without fault!!

Thanks so much again!!! :)
Pru, Gold Coast, QLD
- First Home Buyer

My only regret is to not have had the foresight to have engaged with Mortgage Choice four and a half years ago when my financial hardship first occurred. Each of the Mortgage Choice representatives have made every step of the process relatively easy. They have been positive and encouraging and I applaud their excellent customer service.
Thank you James, Elliott, Gavin and all the girls who answered our telephone enquiries.
Helen, Gold Coast, QLD
- Refinancer

The Team at Miami Mortgage Choice.
You are a very helpful group of people. I cannot say Thank you enough for helping this single mum buy her first home on her very own!!
I never felt like I was just a number and I look forward to buying more property with your guidance. A big shout out to Elliott who always made the process easy and uncomplicated, he was always able to answer any of my questions.
All the very best,
Wendy J
Wendy J, Miami, QLD
- First Home Buyer

Being recently discharged bankrupt, we approached Elliot at Mortgage Choice with more than a little trepidation - we knew that we were ready to re-enter the mortgage belt but were wary of how we would be seen by a broker and financier.
Elliot was completely positive from our first meeting, and put our insecurities to rest from the outset. He really did have our best interests to the fore, and introduced us to a product that suited our situation entirely, then made the processes as simple as possible.
Mortgage Choice at Miami handled everything from application, pre-approval through to final approval with complete professionalism - they made it look easy, although I'm sure at times it probably wasn't that easy for them! They have been an absolute delight to have in our corner, they covered all the bases & were always one step ahead with what we needed to do & when to do it.
Tracey & Gordon, Bucasia, QLD
- Upgrader

James, Angela, Elenni, Gavin and the team at Mortgage Choice Miami were great to work with in terms of their professional knowledge and tactics at securing a home loan and structuring my finances to best help my investment property. Their friendly nature and organised operation helped me achieve my goal within my financial limits whilst making the process (of spending/ borrowing money) enjoyable.
Jay, Mermaid Waters, QLD
- Property Investor

To all prospective clients considering a loan manager; look no further than James and his team.
They were always professional and available whenever needed to clarify the process. I have dealt with several loan managers over the years and James' knowledge of the financial market is second to none.
Our home loan was problematic and our bank of 25 plus years was unable to assist; but suggested/recommended Mortgage Choice at Burleigh, as an option due to the complexity of our investments elsewhere. Happy to say it all went through far better than we could ever have envisaged.
You and your staff have excelled in all customer support, are well skilled, are a pleasure to deal with and have an excellent understanding of financial services.
A big thank you and great work to James and his team.
Barry & Therese, Gold Coast, QLD
- Upgrader

Being in an older age group and still working I found it so stress free when someone else did all the work and running around which I would have had to do.
Plus the situation of finding a home loan at my age is difficult but Mortgage Choice was able to succeed. The staff explained in simple terms how every thing happens and were all happy to take phone calls to answer all my inquiries at any time.......great.
5 staff at I.C.U Gold Coast Hospital have already used this great service....
Very happy ...thank you.
Kevin, Burleigh Heads, QLD
- First Home Buyer

Thanks guys!
It was a smooth sailing experience. You guys did all the hard work, all I did was present what I needed to process my loan. Thanks for the very warm & friendly hospitality from all of the team involved. I will highly recommended Mortgage Choice in Miami, Burleigh and Palm Beach to anyone.
Once again thanks James, Gavin, and to all your team!
Lau, Gold Coast, QLD
- Upgrader

Thank you, it has been a bit of a journey but we look like we are almost over the line, very exciting!

You and your team have been absolutely outstanding and we would like to say a huge Thank You to the entire team at Mortgage Choice Burleigh, you have all made the entire experience a real pleasure.
Gareth & Aymie, Palm Beach, QLD
- First Home Buyer

First home buyer's guide

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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.

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Multi-award-winning team of Mortgage Brokers & Financial Planners - Gold Coast- Miami, Burleigh & Palm Beach

Miami

As award winning Mortgage Brokers, our experienced team offer excellent advice, outstanding customer service and can provide the best deal across a range of services, including:

As your local Mortgage Broker and Home Loan Experts we will make the process easy, painless and hassle free by:

Contact us, your local Gold Coast Mortgage Broker and Home Loan Expert today at Mortgage Choice in Miami, Burleigh & Palm Beach on

Servicing Burleigh Heads, Miami, Broadbeach, Mermaid, Robina, Mudgerraba, Reedy Creek, Worongary and all surrounding suburbs.

Not sure where to start? Need some further information?

First Home Buyer Guide

Step-by-step Home Ownership Guide

Guide to Upgrading Your Home

Refinancing Guide

The right home loan for your needs

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