Caring for your financial security and freedom for the rest of your life ✨

Call: 02 6617 4230

Jo Croft is your local Mortgage Broker specialising in the Tweed Coast/Northern NSW - inc. Gold Coast South, Casuarina, Kingscliff, Cabarita, Pottsville, Murwillumbah and surrounds.

Whether you're buying your first home or have property experience let the award winning Jo Croft Mortgage Choice Team compare over 35 different lenders to find you the right home loan.

Call Us Mortgage Choice Casuarina
Office - 02 6617 4230

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

Address

8/38 Ocean Avenue CASUARINA, NSW 2487

Latest home loan interest rates

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Take the next step in securing your financial freedom...

Your local mortgage broker & home loan experts in Kingscliff and the surrounds...

Helping homebuyers achieve their property dreams across the Tweed Coast (inc. Southern Gold Coast) and Northern NSW since 2017.

Not sure of what a mortgage broker does or how they can help you? We've got you covered - find out here what a mortgage broker does.

The Tweed Coast (inc. Southern Gold Coast) and Northern NSW areas are growing rapidly and are the perfect locations to settle and raise a family or invest for the long term. Our team are experts in this part of the world, they live and play locally, and can help you achieve your home buying goals now and in the future.

Your Home Loan Journey

We understand that no two customers circumstances are the same. Which is why, from the first contact you have with us, we make sure we listen to your needs, requirements and goals. No ready to purchase just yet? Work with us to formulate a plan moving forward to get you where you want to be.

Mortgage Choice Tweed Coast (inc. Southern Gold Coast) and Northern NSW, also known as Mortgage Choice Kingscliff, have helped hundreds of customers purchase their first home, and then continued to help those same customers upgrade to new homes, refinance, invest and even downsize to retirement. We love riding this exciting journey with our customers!

Our Kingscliff mortgage broking business continues to be built on repeat referrals

Our first business in Springwood, Queensland was established over 20 years ago, and through those initial years we found out the importance of word of mouth referrals. Our customers have trusted us to help their friends and family members, and this has now led to the success and continuted growth of our Kingscliff mortgage broking business.

Ready to find out how we can help you today, as well as down the track?

02 6617 4230 | 0425 293 453

🏠 8/38 Ocean Avenue , Casuarina, NSW

https://linktr.ee/mcjocroft

Appointments Available:
Monday - Friday: 8:30am - 5:00pm
After hours by appointment

Book an appointment online

How our awarded team at Mortgage Choice in Tweed Coast/Northern NSW can help...

Our Team, servicing Kingscliff, Kirra, Coolangatta, Murwillumbah and the surrounds, offers you a professional financial service for any stage of your life:

starting your property journey,
upgrading or downsizing,
refinancing
or are a seasoned investor

Jo Croft and her team pride themselves on taking their customers through the process step-by-step so that there are no surprises along the way. Trusting us means that you won't need to worry about doing any of the legwork or running around.

We're specialists in home loans...

No matter where you're looking to purchase property, to live in or invest, we can help. Home loans are our bread and butter and our years of expertise will ensure that you are getting the right loan, for the right situation.

Whether you're looking locally, or just want fantastic service to help you purchase across Queensland, around Australia or even abroad, Jo Croft and the team can assist with your goals. Our team can provide expert local knowledge of popular suburbs like Kingscliff, Casuarina and Cabarita.

Check out our Current incentives page for government grants or schemes on offer and also any draws or competitions that you could be eligible just for using our service!

Services we offer:

With access to more than 35 lenders - including niche lenders, smaller lenders and all of the major banks, we can help you achieve your property goal no matter your situation.

Pre-approvals
Free home loan reviews
Refinancing & debt consolidation
Finance for renovating or upgrading
Construction loans
Loans for first home buyers
Guarantor loans
Property investment
Fixed, Variable & Interest Only Loans
And more...

The Jo Croft Difference

Education is key

At Mortgage Choice in Kingscliff, our owner and broker, Jo has a background in teaching, so we just can't help ourselves when it comes to making sure our clients walk away truly understanding their home loan.

Excellence in customer service

Not only does our team pride itself on educating clients to make informed choices, but we also strive to provide excellence in customer service. From first contact through to settlement (and beyond!), we make sure you are kept in the loop - no question is a silly one!

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

Jo was wonderful, patient and highly responsive. She identified what was important to me and then provided me with a variety of options to choose from to secure a refinance. Will have no problems referring others to her or working with her again, should the need arise. I must also mention that Henrietta too was excellent - between the two the almost daily updates meant I knew exactly what was happening with my transaction. Thanks team

Roxi
05 December 2023

Jo has been wonderful to deal with. Very quick responses and has kept us updated at every point during the process.
Would highly recommend working with her.

03 December 2023

There are very few times in your life where you get such thorough and excellent customer service as that of Jo Croft and her team, shout out to Henrietta, they were fantastic.

Jo Croft and team were so helpful throughout the whole process, helped us understand what was within our budget, answered or helped us find the answers for so many questions that were not in their remit. One thing of note is t... read more

Shanti
28 November 2023

We've used Jo and her team twice now and boy do they make life easier. Mortgage Choice Tweed CoastNorthern NSW take all the hassle and stress out of the application process. We highly recommend them and would certainly be back again should the need arise.

Maureen
26 October 2023

Jo and team were fantastic at answering any of our concerns and left no stone un-turned. They were with us from the beginning of our journey, were highly supportive and were always timely and clear with all communication. We highly recommend using Jo as your mortgage broker.

Baden
24 October 2023

Thank you Jo. Second mortgage from you and both seamless transactions with excellence communication and organisation. Highly recommend

Amy
19 October 2023

Jo and her wonderful team were with us every step of the way. They made the whole process seamless and were only too happy to rejig the figures as rates changed and the sale of our home was finalised.

Emmalene
12 October 2023

Very organised, friendly and great advice

Renae
12 September 2023

Jo Croft and the amazing Team at Mortgage Choice worked tirelessly to help my Wife and I achieve our dream of owning a home.
We highly recommend Mortgage Choice.

Tony
09 September 2023

Jo and her team are great. They have helped us countless time secure the best deal for our situation. Cant thank or recompense them enough

Kymberley
09 September 2023

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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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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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.

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