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Jason Given

We help Australians prosper.

Call 0438 995 372

We are supporting our clients in all of life's financial decisions and making them financially stronger. Together.

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Mobile - 0438 995 372
Office - 08 8270 5138

Open Hours
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

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Our business is built on four key pillars:

Expert

Our broker and financial advisers have the training, resources and experience needed to help our clients find the products and services that make them financially stronger.

Human

Over 8 years, we have learned that only when you really understand that you can really help. Our people's empathy and connection with their clients is our greatest single asset and the starting point to everything we do.

Ease

The financial world is inherently complex. We use our experience, processes and technology to make it as simple and easy for our clients as possible.

Integrity

We always act in the best interests of our clients.

We are providing our clients with an authentic and transparent approach to their individual lending needs.

Whether that is looking to buy your first home, refinance, buy an investment property, upgrade the home you have now or even finance that new car purchase, the team at Mortgage Choice are ready to guide you through every stage of these critical decisions.

With a Customer Service background and combined service of 38 years in the industry, we know how you want to be treated, and we will go the extra mile every time.

Our mission is to create a personalised service to every client we have; this begins with creating a strong foundation of trust through a considered approach to knowing who you are, your goals, and how best we can help you achieve your dreams.

With offices in Colonel Light Gardens, puts us in a central location to service any client in Adelaide.

Start your home loan journey today

The benefits of working with us…

We provide a proven, hassle-free process where we do all the hard work for you.
Our service is based on creating trust and the longevity of successful client relationships.
Our advice and service are provided at NO COST to you.
As brokers, we get paid the same amount regardless of which lender you choose, which guarantees that your personal requirements will always guide us.

When:

Tues, Thur, Fri - 9:00 AM - 5:00 PM

Mon, Wed - 9:00AM - 7:00PM

How:

Call our offices on 08 8270 5138

Book an appointment with Jason Given here:

Book an appointment with Stephen Chin here:

Where:

Our offices are located on Goodwood Rd, in Colonel Light Gardens.

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

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

Jason was extremely helpful in assisting me with my first home loan. I found the process to be quite smooth and had confidence in Jason's abilities. Jason was great at communicating any information I needed and offered good, honest advice throughout the whole process. Looking forward to working with Mortgage Choice Colonel Light Gardens again in the future. Thank you!
B Lansdowne, Reynella, SA
- Construction

My wife and I went looking for a broker to help with buying our first home. We met with Stephen Chin who was extremely helpful and professional from day one. We officially settled last week and could not be happier with the loan we got and how the whole process went!
Thank you so much for everything Stephen! We will be back in the future!
M Major, Kurralta Park, SA
- First Home Buyer

Stephen was easy to talk to, genuine and committed to getting the best outcome for us. We highly recommend his service to anyone seeking a mortgage broker
- A standout in this industry.
T Anna, Happy Valley, SA
- First Home Buyer

Steve and Jason where fantastic throughout the whole process and kept us informed at all times.
We will definitely use them again in the future.
J Higgins, Victor Harbor, SA
- Refinancer

We recently purchased a new property and had to wade the murky waters of an acquisition of our existing property and Stephen was a great help with timely responses to queries and having the patience to help us get through the process with our desired outcomes in mind. A great help and very much recommended.
M Sandercock, Nairne, SA
- Upgrader

We cannot recommend Mortgage Choice Colonel Light Gardens enough. Jason made the whole process so easy and stress free. His customer service is exceptional. He kept us informed every step of the way, clearly answered any questions we had and was extremely fast.
Applying for a loan can be a stressful process but not with these guys!
E Errington, Moana, SA
- Construction

Our experience with these this business was excellent and if everyone here is of similar calibre to Jason I see no reason for anyone to look at any other brokerage.
We assessed several brokers and Jason was a clear standout.
Initially what impressed us was Jason’s knowledge and professionalism, but what encouraged us to write this review is his willingness to go the extra mile and take us step-by-step through the entire process. Finding our first home was incredibly stressful, and had it not been for Jason working hard to help us, we certainly would be overwhelmed completely.

He’s one of our favourite people this year 😊😊 we’re incredibly grateful!!
H Chapparo Sanchez, Happy Valley, SA
- First Home Buyer

We got our mortgage with Steve from Mortgage Choice in Colonel Light Gardens. Steve was great. He was always helpful and friendly, and could fit in to our crazy schedule.
J. Llewelyn, Hawthorn, SA
- First Home Buyer

"Can't thank Jason Given enough. Provided us with great service throughout the whole process."
W Dunn, Happy Valley, SA
- Refinancer

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 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.

State / Territorial Revenue Web Sites

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We help Australians prosper.

Colonel Light Gardens

Latest home loan interest rates

Our business is built on four key pillars:

Expert

Human

Ease

Integrity

We are providing our clients with an authentic and transparent approach to their individual lending needs.

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

The benefits of working with us…

When:

How:

Where:

The right home loan for your needs

Google Reviews

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

Julie Lamond

Geoffrey Tee

Yvonne Ang

Michael Marshall

Cara Phillis

Joshua Chin

Skye Bannister

Daniel Lennon

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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