Jo Croft

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

Call: 0425 293 453

Jo Croft is your local Mortgage Broker in Southern Gold Coast & Northern NSW.

Whether you're buying your first home or have property experience - save time and let the Mortgage Choice Jo Croft Team compare over 25 different lenders to find you the right home loan - at NO COST to you.

🏅MFAA 2022: Customer Service State Finalist
🏅BBA 2022: Best Residential Broker finalist & Best Loan Administrator finalist
🏅BBA 2021: Customer Service Finalist
🏅Women in Finance Awards 2020: Mortgage & Finance Broker of the Year Finalist

Call Us Mortgage Choice Springwood
Office - 0425 293 453
Fax - 07 3808 1071

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

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Listen to Jo Croft's Mortgage Choice story...

Your local home loan experts in Kingscliff and the surrounds.

Jo Croft's award-winning team are experts at helping homebuyers across Southern Gold Coast and Northern NSW achieve their property dreams.

With access to over 20 lenders - including niche lenders, smaller lenders and all of the major banks, we can help you achieve your property goal no matter your situation.

Jo Croft and her team have helped hundreds of customers purchase their first home, and then continued to help those same customers upgrade to new homes, refinance and invest.

The 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 of mortgage brokers are experts in this part of the world and can help you achieve your home buying goals now and in the future.

Our Kingscliff mortgage broking business continues to be built on repeated 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 of our newer Gold Coast mortgage broking business.

To find out how we can help you today as well as down the track contact Jo Croft today on 0425 293 453 or

Book an appointment online

Appointment hours for Kingscliff and surrounds:
Monday - Friday: 8:30am - 5:00pm
After hours by appointment

We are more than happy to meet you at a time and place that suits you - just let us know!

How our awarded team at Mortgage Choice in Kingscliff can help...

Our team in Kingscliff, servicing Kirra, Coolangatta, Murwillumbah and the surrounds, offers you a professional financial service for any stage of your life - whether you're just starting out on your property journey, upgrading, 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.

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!

And our Kingscliff mortgage broker service always comes at no cost to you!

Services we offer:

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
Vehicle finance
Car-buying service
Home, car and other insurances
And more...

We're the team who knows the local area

No matter where you're looking to purchase property to live in or invest in across our local area, we can help. Our team can provide expert local knowledge of popular suburbs like Kingscliff, Casuarina and Cabarita.

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.

Education is key

At Mortgage Choice in Kingscliff, our background is also in teaching so we just can't help ourselves when it comes to making sure our clients walk away truly understanding their home loan. Our team prides itself on educating clients so that they can make informed choices.

We always ensure that your home loan needs are our top priority and recognise that no two customers circumstances are the same.

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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It is commonly known that applying for a mortgage can be one of the most stressful experiences in your life. I never once experienced any form of stress whilst working with Jo and the team . Jo made me feel like a friend rather than business and was always very responsive to any questions or queries I had throughout the process. Their expert knowledge on the process guided me on my path to purchasing my dream home. I would not hesitate to contact Jo Croft for her services in future.
Miranda D., Tweed Heads West, NSW
- First Home Buyer

We recommend Jo Croft And her team, they are kept working with us until we had the fantastic outcome of obtaining the finance for our new home. They are hard working and very efficient. Our case is not an easy one but they kept going until we had a good outcome.
Thanks again Jo and your fantastic team.
Keep safe and best regards!
Yolanda and Jon
Yolanda D., Upper Coomera, QLD
- First Home Buyer

From start to finish, we found Jo Croft and her team, friendly, patient and always professional!
They made the refinance of our property really easy, 10/10
Juliet G., Pottsville, NSW
- Refinancer

Jo and the team were amazing in supporting me to purchase my first home! They made the process easy for me to understand and we’re always happy to answer any questions I had no matter how silly they seemed. I am so grateful for all their support and knowledge. I wouldn’t have been able to achieve buying my first home without them.
Chelsey E., Tweed Heads, NSW
- First Home Buyer

A stress free, seamless refinancing experience from start to finish with Jo, Michelle & Nicole. Fantastic communication, available to answer our questions & kept us informed of our application progress throughout. Thank you very much.
C Warren-Smith, Elanora, QLD
- Upgrader

Jo and her team were very professional and helped us through our property purchase. They kept us updated through the whole process and ensured we were well informed of all our choices. We will definitely use Jo and the team for any future mortgage needs.
Aleta K., Kingscliff, NSW
- First Home Buyer

Jo and the team helped us to secure a loan on our house in a complex situation (I am not an Australian citizen, their was inheritance and other loans involved). The service was impeccable from the start; Jo was clear, honest and responsive. From the first phone call to settlement of the loan and afterwards I have been genuinely impressed by the high level of service. I will recommend Jo and her team to anyone.

Thanks so much Jo and team.
Lawrence C., Kingscliff, NSW
- Upgrader

Jo and her team at Mortgage Choice have been absolutely amazing, helping me get finance for my house purchase last year and then again this year with refinancing my mortgage with another institution that offered a much lower interest rate and cash back offer!! Both processes were managed so professionally, with excellent communication at all stages, always ensuring I was notified and kept up to date with the progress of my applications. I couldn't be happier with Jo and the other ladies who work with her, they're all so lovely and extremely efficient and would highly recommend them to anyone requiring assistance and advice with their home loan.
Rosemary P., Carrara, QLD
- Refinancer

Jo is wonderful! She is super professional, provides excellent customer service, is friendly, efficient and gets great results. Jo helped us negotiate new home loan rates that will save us on our monthly repayments immediately. She made the whole process super easy. I highly recommend talking to Jo and having your loans reviewed. Thank you 🙏
Laura K., Kingscliff, NSW
- Refinancer

Kicking ourselves that we didn't go and see Jo and the team at Mortgage Choice Gold Coast South & Northern NSW sooner! The team were there every step of the way to make the process of refinancing our home easier than we could have imagined. Not to mention our surprise at the money we are now saving. We would highly recommend Jo, Karen and Vanessa and their service to anyone in a similar situation.
Mark & Fiona D, Parkinson, QLD
- Refinancer

Jo helped us refinance our home loan and her service was exceptional!. Not only was she efficient, Jo and her team she kept us informed every step of the way. We were amazed how even after settlement, we still received up calls and emails to see how things were going. 5 star service!
Nikki Reid, Meadowbrook, QLD
- Refinancer

We highly recommend the team at Mortgage Choice Gold Coast South & Northern NSW. A big thank you to Jo, Karen and Vanessa - the whole process has been smooth and always done with integrity, transparency and a big smile! We will definitely use this team's expertise for our next property purchase
Jeff & Giselle F, Springwood, QLD
- Upgrader

Jo and crew were like a dog with a bone when it came to getting my loan, they persevered and kept me informed, nothing was too much for them. I thank them.
Sarah Green, Kingscliff area, QLD
- First Home Buyer

My husband and I approached Jo to assist us with refinancing our mortgage.
Jo was extremely efficient and helpful through this process and always kept us updated.
I would highly recommend Jo.
Tracey McCarthy, Tweed Coast area, QLD
- Refinancer

My husband and I just used Jo and her lovely staff to refinance our home loan. Jo is very professional and knowledgeable. I would definitely recommend Jo and her team!
Sharon Grieve , Tweed Coast, NSW
- 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.

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

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

Listen to Jo Croft's Mortgage Choice story...

Your local home loan experts in Kingscliff and the surrounds.

Jo Croft's award-winning team are experts at helping homebuyers across Southern Gold Coast and Northern NSW achieve their property dreams.

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

To find out how we can help you today as well as down the track contact Jo Croft today on 0425 293 453 or

How our awarded team at Mortgage Choice in Kingscliff can help...

Services we offer:

We're the team who knows the local area

Education is key

The right home loan for your needs

Google Reviews

Beño S

Juliet Green

Yolanda David

Miranda Doyle

Lawrence Coulson

Larissa Graham

Alisha Marshall

Nikki Reid

Miccy Roseneus

doug wilkie

Sarah Green