Jason Given

Mortgage Brokers in Colonel Light Gardens

Call: 08 8270 5138

Buying a home is the biggest financial decision you will ever make. As such, it is important to work with a mortgage broker you can trust.
Get in touch with our team of brokers to discuss your home loan requirements.

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

Open Hours Mortgage Choice Colonel Light Gardens
Monday to Wednesday 9AM - 7PM
Thursday and Friday 9AM - 5PM
After hours and weekends by appointment
Free Appointment

Address

2/501 Goodwood Road COLONEL LIGHT GARDENS, SA 5041

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Mortgage Choice brokers in Colonel Light Gardens and greater Adelaide.

As your local Mortgage Choice brokers, Jason and Steve will provide you with access to a wide choice of lenders, including the major banks.

They understand the loan pre-approval requirements of these lenders, making it quicker and easier for you to apply for pre-approval.

And, when you have found your ideal property, we can streamline your formal loan application by preparing the paperwork, lodging the application and doing all of the follow up on your behalf!

Start your home loan journey today!

We can also help you with:

Home Loans
Refinance
First Home Buyers
Constructions Loans
Personal Loans and Car Finance
General Insurance
Deposit Bonds

Ready to purchase a property?

A good starting point is to find out how much you can borrow as this will be a helpful indicator of what you can afford to buy.

We understand that finding out how much you can borrow can sometimes be a bit confusing, which is why we have some great resources at your disposal. Try our home loan calculator to help make your borrowing power more transparent. Check it out here!

Not sure where to start with your property journey?

Our property guides provide further information which may assist you with your home loan, no matter if it's for your first home or for an investment property.

Why should you speak 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.

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

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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.

We are very grateful to Jason for organizing our home loan. The process was seamless, largely due to his great communication and initiative and I am planning to go back to him for any future financing needs.
Elissa Shea, Mannum, SA
- First Home Buyer

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

My partner and I just bought our first property and it would not have been possible without the assistance of Stephen Chin at Mortgage Choice. Stephen was so great to work with - very approachable, very knowledgeable and very gracious in answering my many many questions. He made the entire process stress-free and referred us to a great conveyancer. Would highly recommend working with Stephen! Thank you for taking us through such a smooth house-buying process.
Annie C, Glandore, 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

Stephen Chin is exceptionally attentive and responsive professional. My daughter and her partner bought their first home with his assistance earlier this year and could not praise him enough. I turned to him with a fairly complex enquiry about a home loan and he responded instantly and provided me with a very detailed answer and then came back to me with further advice which was very useful. He is also very personable and has an excellent professional manner. I highly recommend him!
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

Step-by-step guide to home ownership

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.

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 $176,650 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 $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 $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 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 $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.

State / Territorial Revenue Web Sites

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Mortgage Brokers in Colonel Light Gardens

Colonel Light Gardens

Start your home loan journey today!

I want to buy a home

I want to buy an investment

I'm considering refinancing

Mortgage Choice brokers in Colonel Light Gardens and greater Adelaide.

Start your home loan journey today!

Book an appointment

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We can also help you with:

Ready to purchase a property?

Not sure where to start with your property journey?

Why should you speak with a broker?

The right home loan for your needs

Google Reviews

John Hughes

Stuart Talbot

Brie Willoughby-Knox

Elissa Shea

Kelly Wilson

Monique Lindsay

Edward Ivar

Annie C

Kerryn Elsdon

Julia Ejelovitch

ellise saunders

Anastasia Ejova

Matthew Hollands

Jon Ward

Jim Art

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

Step-by-step guide to home ownership

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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