Local Mortgage Broker & Home Loan specialist in Pacific Pines, Oxenford, Maudsland, Coomera & surrounds

Call: 07 5502 8906

Looking for a home loan? Talk to Jay Stewart, your local Mortgage Choice broker from Pacific Pines / Maudsland, QLD. Let us research and compare over 20 lenders for you. To find the best home loan solution, call me on 5502 8906

Call Us Mortgage Choice Oxenford
Office - 07 5502 8906
Fax - 07 5502 7306

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

Address

PO Box 1207 OXENFORD, QLD 4210

If you're looking for some personal service and need someone to take the stress and confusion out of the home loan process, then you have come to the right place. You have found a mortgage broker servicing the Northern Gold Coast including Pacific Pines, Oxenford, Maudsland, Coomera, Helensvale and surrounding suburbs that wants to find the most suitable home loan for your lifestyle.

Whether you are a first home buyer, an investment purchaser, an upgrader, a refinancer or an experienced home buyer as your mortgage broker we will help you find the home loan that suits your needs. Do you want a basic no frills home loan or something with some more bells & whistles? Do you want a variable, fixed rate or line of credit loan? Are you after a reverse mortgage (senior equity release product)? The choice is yours!

We all have different things we want from a home loan and as a Mortgage Choice mortgage broker we have access to a large panel of over 20 lenders including the major banks, which enables us to look at hundreds of different types of home loans. Mortgage Choice has helped over 300,000 Australians find a home loan since 1992.

Why choose us?

We do all the running around
We can meet at a time and place to suit you
We are paid by the lenders
We are Mortgage & Finance Association of Australia (MFAA) accredited brokers and therefore follow a high standard of professionalism
We will keep you informed throughout the whole process from our first meeting until settlement occurs
And best of all there is no charge for our home loan service

Once you've agreed on your home loan, as your mortgage broker we will prepare the paperwork, lodge the loan application and take care of all the running around. As this franchise is independently-owned and operated, you can be sure that you get a recommendation based on what's right for you.

We can also help with car loans, car leasing finance, equipment leasing, personal loans, reverse mortgages and commercial lending products.

So why not pick up the phone and make the call to 5502 8906 or 0403 281 031, we are only too happy to help.

Your local Mortgage Broker servicing Arundel, Ashmore, Coomera, Coombabah, Guanaba, Helensvale, Hope Island, Labrador, Nerang, Maudsland, Oxenford, Pacific Pines, Runaway Bay, Sanctuary Cove, Southport, Surfers Paradise and Upper Coomera. This includes all suburbs on the Northern Gold Coast in post codes 4209, 4210, 4211, 4212, 4214, 4215, 4216, 4217.

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

Jay was absolutely fantastic we had a few hiccups with the bank but just was on it right away and have our best interest at heart the whole way. Fantastic customer service would 100 recommend him to my friends and family.

Samantha
18 July 2019

Jay was amazing thought the whole proscess. He helped us with everything we needed and more. I highly recommend using Jay if you are looking to buy a place.

brodie
18 July 2019

We have now used Jay's services twice to purchase property. Totally professional, gets you the best options. Will definitely use him again if we buy again. Great guy. Thanks Jay.

Angela
18 July 2019

My wife I have used Jay Stewart and his team for several purchases and it has always been a very professional experience. We plan to expand our portfolio of properties and will always go to Jay the team at Mortgage Choice Pac Pines.

Garry
18 July 2018

Jay stuck with us as ourjourney was a long one. His patience and hard work was beyond what he had to do. THANKS so much would recommend Mortgage Choice and Jay.

Richard
18 July 2018

Jay has helped us to find and finalise our last three mortgages. He has always offered a prompt and professional service and we would recommend his services to anyone seeking a mortgage broker.

Amy
18 July 2018

Jay was great He made the whole process so easy We happily recommend Jay to anyone looking to refinance, finance a new home or any other investment they may be looking into.

Amanda
18 July 2018

Buying your first home is one of the most stressful things someone can do. Not everything went to plan but Jay was persistent and managed to get us across the line. Thanks for all your help with getting our first major investment

Anja
18 July 2018

Jay was amazing throughout the whole process, considering we ended up having to apply for the same loan twice due to the first approval lapsing from delays, he made my process nice and easy, and got me the best deal possible on the market. Very happy with your work Jay
Thanks heaps again for your time

sulang
18 July 2018

Jay, I was very pleased with your service & what a delight to deal with a true professional and we would like to take this opportunity to sincerely thank you for your ongoing help and support. You were able to effectively communicate with us in such a way that we could fully understand the process.
We would have no hesitation in recommending your company to others.

AB & CB
16 December 2017

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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You could borrow up to

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Based on standard variable rate over years.

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The borrowing amount is a guide only. Loan repayments are based on the lowest interest rate (either standard variable or 3-year fixed rate, owner occupier) from our lender panel over a repayment period of 30 years. Rates and repayments are indicative only and subject to change. The results from this calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.

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There's a lot to consider when choosing the right loan.

The lowest interest rate from our lender panel is either standard variable or 3-year fixed for an owner-occupier. Rates and repayments are indicative and subject to change. The results from this calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.

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Need help with your next home purchase?

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 $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.