Joanne Croft

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

Call: 07 3808 1070

Whether you're buying your first home or have property experience - save time and let the Mortgage Choice Springwood Team do the work 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
🏅Best Mortgage Broker in Logan QLD 2020
🏅Women in Finance Awards 2020: Mortgage & Finance Broker of the Year Finalist

Call Us Mortgage Choice Springwood
Office - 07 3808 1070
Fax - 07 3808 1071

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

Address

3/43 Vanessa Boulevard SPRINGWOOD, QLD 4127

Lender

Interest Rate

Comparison Rate

Lender

Interest Rate

Comparison Rate

Credit criteria, conditions, fees and charges apply. Subject to suitability. The comparison rates in this table are based on a loan amount of $150,000 and a term of 25 years. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

The Jo Croft, Mortgage Choice Difference

Our award-winning team at Mortgage Choice in Springwood have been servicing the Logan area for 20+ years and are experts at helping home buyers achieve their dreams.

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, while ensuring that you won't need to worry about doing any of the legwork or running around.

Education is where we excel

At Mortgage Choice in Springwood, educating our clients is at the forefront of what we do. We make sure that our clients are informed in a simple and straight forward manner, so that they can make informed choices. We are focused on your home loan needs first and recognise that no two customers circumstances are the same.

Accessing over 25 lenders - including the major banks, smaller lenders and niche lenders, we can help you whatever your situation.

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

Our business has been built on repeated referrals

Customers have trusted us to help their friends and family members. So find out how we can help you today, as well as down the track, to achieve your property goals.

Watch Owner, Jo Croft tell her Mortgage Choice story ...

Call us today on 07 3808 1070 to have a chat or to arrange your obligation-free appointment with our Springwood home finance experts.

Book an appointment online

So, How Can We Help You?

Whether you're just starting out on your property journey, or are a seasoned investor, our team in Springwood can help make your financial dreams a reality.

The best thing is that our services always comes at no cost to you!

Services we can help you with include...

Our team excel at providing you home loans, car loan, construction loan services and more to assist you at any stage of your life -

Loans for first home buyers
Guarantor loans
Free home loan health checks - review your current home loan
Refinancing & debt consolidation
Pre-approvals
Construction loans
Property investment
Finance for renovating or upgrading
Fixed, Variable & Interest Only Loans
Vehicle finance
Car-buying service
Home, car and other insurances
And more...

No matter where you're looking to purchase property, to live in or invest in, across our local area, we can help! Conveniently servicing customers all over South East Brisbane including: Rochedale, Rochedale South, Daisy Hill, Springwood, Tanah Merah, Woodridge, Loganlea and surrounding areas.

We've got you covered!

Springwood Office Hours:
Monday - Friday: 9:00am - 5:00pm
^{After hours by appointment}

^{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.}

We are always happy to meet at a time and a place that suits you!

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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Jo is simply the best. Always recommend her to family and friends. She is friendly, efficient and a very hard worker.
Hayley R., Burleigh Heads, QLD
- Upgrader

I have been dealing with Jo and the Mortgage Choice Springwood team for nearly 5 years now and they continue to exceed my expectations. From their professionalism, responsiveness and attention to detail they make the entire process seamless from start to finish. I feel very comfortable dealing with them and would not hesitate to recommend their services to anyone. Thanks again Jo and team!
Colin P., Mount Gravatt, QLD
- Upgrader

The team at Mortgage Choice Springwood have been fantastic throughout the whole process of our home loan application. Friendly, professional, thorough, and always available to answer any questions we had, and as it was our first time going through this process, these things made it a very pleasant and much less daunting experience.
Josh C., Regents Park, QLD
- First Home Buyer

I Had the most amazing and smooth experience of buying my first home with the support of Jo and her wonderful team! They stayed in contact through the whole process and helped me each set of the way. Even when I was not sure what I was going to be be doing next, knowing they would be there to help me and answer all of my questions gave me complete confidence that everything would work out! Which of course it did! Even with a quick turn around time for settlement, Jo and her team pushed and got everything across the line in time.

Being a single female buying my first home completely on my own it was important that I felt comfortable to ask as many questions as I needed to and didn’t felt intimidated or expected to know all the answers, this was initially behind my decision to chose a female broker and I am so glad I went to Jo and the team as it was a lovely experience to feel so supported through one of the biggest experiences of my life, buying my first home.

Couldn’t recommend them enough!!!!
Julie M., Springfield Lakes, QLD
- First Home Buyer

Jo, Michelle & Nikki make a very professional, friendly & knowledgeable team. They were consistent with following up with the bank, updating me on the progress, giving advice and answering my never ending questions. The team took care of everything and made the entire home building process so much less stressful than it could have been - I couldn’t have done it without them. I would highly recommend Mortgage Choice Springwood to anybody!
Shaylee B., Bahrs Scrub, QLD
- Construction

It has been a pleasure to again work with Jo from Mortgage Choice Springwood and her team to re-mortgage our property for renovations. From the initial telephone call right through to settlement, we felt properly advised and guided through the entire process. Nothing was too much trouble and Jo went above and beyond to provide answers and be available to discuss questions we had. I highly recommend the team at Mortgage Choice Springwood for all your mortgage needs. Thank you for helping put our dreams into action. Kelly and Johnny
Kelly T., Springwood area, QLD
- Construction

Jo and her team are amazing and will help you achieve your goal with great communication, professionalism and in a timely manner. We highly recommend Jo and wouldn’t go with anyone else.
Kymberley W., Pottsville, NSW
- First Home Buyer

This is the second time we've used Mortgage Choice, first time with Jo Croft who did a fantastic job for us, would highly recommend.
Lee W., Dum Dum, NSW
- Refinancer

Jo and her Team at Mortgage Choice Springwood are fantastic! They are the BEST! I am now living in my own home and they got everything through in the right time and helped with ensuring all the paperwork was right. I can't thank them enough and I am forever grateful.
Mal T., Redbank Plains, QLD
- First Home Buyer

Jo and the team at Mortgage Choice Springwood were absolutely fantastic, I would highly recommend them!
Markus, Eight Mile Plains, QLD
- Upgrader

Great service from start to Finish. Jo and Nikki were honest, transparent and generous with their time from start into finish. They kept me in the loop through the procedure. Both were very hard working, very professional and very responsive and informative. Highly recommend them. Give them a call today.
Paud K., Springwood area, QLD
- Refinancer

A massive thank you to Jo, Nicole, Michelle and the entire Springwood team in helping me build my first home! From day one they've been professional, transparent, and quick to respond. They've taken away a lot of the stress that comes with a new build! Thank you so much! ⭐⭐⭐⭐⭐
Peter C., Slacks Creek, QLD
- Construction

Choosing Jo and her team was the best decision we made for buying our first home. They were not only responsive, but educators, advocates and professional. Jo and her team definitely helped to take the stress out of buying our home, and we will definitely be using them in the future.
Rian O., Pacific Pines, QLD
- First Home Buyer

This is our second time going through Mortgage Choice at Springwood. The first time was for our first home loan and the second was for refinancing our loan. Each time we have dealt with Jo and her team, they have been knowledgeable and professional throughout the process. We have never had to worry about anything in the process, as we have been kept well informed about every step involved. They are helpful and friendly. They provide a great customer service. We would highly recommend Jo and her team to anyone. Craig and Rachael
Craig O., Yarrabilba, QLD
- Refinancer

Have used mortgage Choice Springwood 3 times now over the last 5 years and each time I get the same great friendly fast service. They make the process so simple and are very patient with my questions and queries. Would 💯 recommend. Thankyou 💓
Kayhla Myles, Boronia Heights,

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 $176,650 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

Springwood

Our current interest rates

The Jo Croft, Mortgage Choice Difference

Our award-winning team at Mortgage Choice in Springwood have been servicing the Logan area for 20+ years and are experts at helping home buyers achieve their dreams.

Our business has been built on repeated referrals

Call us today on 07 3808 1070 to have a chat or to arrange your obligation-free appointment with our Springwood home finance experts.

So, How Can We Help You?

Services we can help you with include...

We've got you covered!

The right home loan for your needs

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