Home Loans in Goodwood - Mortgage Choice

Multi Award Winning Team of Mortgage Brokers located in Colonel Light Gardens

Call 08 8270 5138

Looking for help with your Home Loan or need a reliable Mortgage Broker to help you achieve your property dreams?
Mortgage Choice in Colonel Light Gardens is your local Mortgage Broker and Home Loans, specialist.

Call Us Mortgage Choice Colonel Light Gardens
Office - 08 8270 5138

Open Hours Mortgage Choice Colonel Light Gardens
Monday to Friday 9 AM - 5 PM
After hours and weekends by appointment
Free Appointment

Address

2/501 Goodwood Road COLONEL LIGHT GARDENS, SA 5041

Are you looking to buy your First Home, Refinance, Buy an investment property or even Upgrade your current home?

Look no further!

The Team at Mortgage Choice in Colonel Light Gardens are here to assist with your financial needs and goals. We service all of the Adelaide and Interstate Property market from our Offices in Colonel Light Gardens.

Book an Appointment Now!

We do all of the hard work for you. By Contacting us, your home loan specialist in Adelaide will spend the time with you to understand what you are looking to do, your dreams and how you wish to achieve them.

As your Mortgage Broker, we conduct all the research and find the most suitable solution for your specific situation. We invite you to our offices in Colonel Light Gardens to 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:

We remove the confusion from the Home-Loan process with simple, personalised care by our Mortgage Broking team
Completing all the paperwork with you and submitting your application to your chosen lender on your behalf
Providing support and guidance throughout the entire process
Ensuring you are given ongoing support for your existing and future lending with us
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 keep you up to date along the way
Ensure that your home loan experience is as stress-free as possible

Contact us, your local Adelaide Mortgage Broker and Home Loan experts today on 08 8270 5138.

We use state of the art technology to collect, use and store your personal and sensitive information. Every client has their own MyHub account which they can upload documents, input their personal information and communicate with our team.

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

S Bannister, Aldinga Beach, SA
- Refinancer
Steve and Jason are great. I wanted to refinance my home and they were fantastic throughout the whole process. They kept me informed and the explained everything to me. I will definitely use both Steve and Jason in the future again. Can not recommend the team enough.

Steve Chin was brilliant is assisting my husband and I in re-financing. He was professional, prompt in his communication, and made our experience a true positive one, particularly after an extremely disappointing experience with another broker previously. Thank you Steve - we'll definitely be back to use your services again and have recommended you to others.
Amanda Atkins, Victor Harbor, SA
- Refinancer

My partner and I worked with Stephen Chin, and couldn't have hoped for a more knowledgeable or (time-wise) generous guide through the many stages of buying a home. Steve handled all the paperwork and helped us find a great loan and conveyancer. My partner and I are both detail-oriented people, and we found that, when we had questions about the smaller things, nothing was too much for Steve! I really recommend him! In fact, we recommended him to our friends, and they also had a very positive experience.
Anastasia Ejova, Magil, SA
- First Home Buyer

Jason and the team at Mortgage Choice have always been super easy to work with. Always there when we needed our questions answered and very knowledgeable. Highly recommend!
Ellise Saunders, Panorama, SA
- Upgrader

Stephen Chin was amazing - responsive, proactive and supported us with referrals to other related services.
R S, Flinders Park, SA
- First Home Buyer

My name is Michael and I chose Jason to be my broker initially because of his phone manner and his can do attitude. He was always available to speak with me even on a weekend. He did what he said he would do without fuss, with a smile and in professional manner. Jason brokered a very good deal for me and saved me all the running around and paperwork that I normally would’ve had to have done if I was to approach the lender myself. I thoroughly endorse his business and recommend him.
I definitely will use him again.
Michael Marwede, Morphett Vale, SA
- Refinancer

Stephen was a pleasure to deal with happily working around our very busy schedule. Getting us what we wanted, within the required time frame, without any fuss. Thank you for your support Stephen.
Jon Ward, Hayborough, SA
- Property Investor

Steve has been great throughout the entire process. Friendly and helpful, any questions we've had he's been able to answer quickly and without any hassle. Thanks to Steve and the team for all their efforts, it has been much appreciated.
Matthew Hollands, Norwood, SA
- First Home Buyer

Stephen is a fantastic rep for your business. Super helpful and responsive.
M R, Moonta, SA
- Property Investor

Jason and the team at Mortgage Choice have always been super easy to work with. Always there when we needed our questions answered and very knowledgeable. Highly recommend!
Julia Ejelovitch, CBD, ACT
- Upgrader

Steve did a great job for us and helped us work through a fairly complicated mortgage process, (refinance, purchase and sale). He got us a good value mortgage within our time constraints and I would recommend him to others.
Jamie Arther, Hawthorndene, SA
- Upgrader

Stephen helped us buy our house. He is awesome! He made the entire process sooooooo easy for us. He also provided us with great advice and contacts to help out with all those little details related to buying a house. He's very likable, very professional, very prompt, and highly recommended.

Thank you Stephen!
C Baker, Flinders Park, SA
- First Home Buyer

Stephen was fantastic helping us get a better rate for our loan.
T Christopher, Reynella, SA
- Refinancer

We just bought our first home here in Adelaide and Steve made the entire process so easy. He was happy to answer our (mostly silly) questions, change our pre-approval/loan details when circumstances changed, and guided us through the whole loan/purchase process. If you're looking for a mortgage broker who is willing to spend the time to get to know you to make sure the product is right for you (while also patiently answering all your questions).
Steve is your guy.

Thanks again, Steve!
T Llewelyn, Hawthorn, SA
- Upgrader

Jason has been great to work with. Good communication throughout which has made the process easy!
E Grosser, Parkside, SA
- First Home Buyer

First home buyer's 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.

Download now

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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 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.

State / Territorial Revenue Web Sites

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Multi Award Winning Team of Mortgage Brokers located in Colonel Light Gardens

Colonel Light Gardens

Are you looking to buy your First Home, Refinance, Buy an investment property or even Upgrade your current home?

The right home loan for your needs

Google Reviews

Elissa Shea

Kelly Wilson

Monique Lindsay

Edward Ivar

Annie C

Kerryn Elsdon

Julia Ejelovitch

ellise saunders

Anastasia Ejova

Matthew Hollands

Jon Ward

Jamie Arthurs

Michael Marwede

Christian Baker

Matthew Major

Ed Grosser

Tara Anna

John Llewelyn

Bianca Lansdowne

Heidy Katheryn

Tanya Christopher

Mick Sandercock

Loreen Grove

Julia Miller

KJK Legal

Nathan Marshall

Rory Mackin

Jackson Drewer

Angela Zimmermann

Andrew Grant

Jasmin Gobbett

Gordon Connelly

First home buyer's guide

Help me calculate

2nd Applicant

Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

State / Territorial Revenue Web Sites

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