Your Local Rockhampton Mortgage Broker and Home Loan Specialist

Call 07 4926 9918

Looking for a home loan? Whether you're a first home buyer, refinancing, upgrading or investing in property, talk to Jon Dendle or Sophie Farrands, your local Mortgage Choice brokers in Rockhampton.

Call Us Mortgage Choice Rockhampton Dc
Office - 07 4926 9918
Fax - 07 4926 9780

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

Address

248 Musgrave Street ROCKHAMPTON DC, QLD 4701

Put our experience to work for you!

Accomplished Rockhampton Mortgage Brokers, Jon Dendle and Sophie Farrands are your local home lending expert. Together, Jon and Sophie bring comprehensive knowledge and experience of the Central Queensland market to ensure you receive a professional and stress-free service.

Jon and Sophie will take the time to understand your personal property goals and with their in-depth knowledge of the region it gives them exceptional insight into both the residential and commercial property market.

We're local, like you

Jon and Sophie operate out of Rockhampton and also covers:

Yeppoon
Gladstone
and outreaching areas

Our aim is to provide a hassle-free home loan process. We take pride in taking care of the specifics of your home loan so you can focus on your long-term goals.

Jon and Sophie will always take the time to listen to you and examine your options, keeping you advised as your loan application advances, and they will celebrate with as you hit your wealth creation milestones.

Get in contact today!

Let Jon and Sophie exercise their extensive knowledge of the banking and finance industry on your behalf.

Call us on 07 4926 9918 or hit the bright red ‘Contact Us’ button at the top of the page.

Our Process

Here's how we work together to find the right home loan solution for you:

Initial Consultation – join us to discuss your goals and circumstances. It's free, without obligation and fully confidential.
Loan Choice - because we are Mortgage Brokers we'll quickly evaluate hundreds of loan products from a wide range of lenders, present you with detailed information, then work with you, answering your questions to help you make the home loan choice that is right for you.
Application to Settlement - we take the stress out of the home loan process. We'll complete and submit the appropriate documentation then follow the application though to settlement.
Future Needs – We'll be here for you down the track should you have a questions.

Let's get started!

Click on the ‘Contact Us’ link or give us a call on 07 4926 9918 to set up a time to meet in our Musgrave Street office just across from Stockland’s Shopping Centre.

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

I felt i must give a review for Jon after the service we recieved. We arrived from overseas and had no idea about how things worked, or where to go. We approached Jon and he was absolutely amazing. He explained everything clearly from start to end. Was contactable out of hours and went the extra mile in every way he possibly can. Jon was sincere, genuine and honest. He worked with us to find the b... read more

Kerry
15 June 2023

Jon was awsome Explained things and couldn't be more helpful, we will be only using mortgage choice in the future.

lacey
16 February 2022

Jon provided a consistently high level of support and advice.

Susan
16 February 2022

Jon was exceptional to deal with. Sincere, genuine, prompt and well-informed. His communication was excellent, regardless of workload. Couldn't give a higher recommendation - given another opportunity we would opt for Mortgage Choice before any others.

18 October 2021

Jon was extremely helpful and professional. He was very reciprocal in the question that I asked and provided a very detailed answer. Not one of those people just press on you for money and business.

Johnson
18 July 2021

I did not realise that I had not done a review of Jon Dendle at Mortgage Choice Rockhampton.
The company was everything Aussie Home Loans was not.
Jon met my requirements, needs and wants.
I would HIGHLY recommend Mortgage Choice and Jon was brilliant.
I applied and was approved for a home loan back in December 2017.

Kyel
18 July 2020

Explained everything upfront and kept us up to date. Provided excellent customer service. I would be happy to refer any friends or family to Mortgage Choice Rockhampton. AWESOME

David Goodenough
16 December 2017

You guys were great - made it hassle-free and helped out when ever and where ever you could. From start to finish you were excellent.

I would recommend you to anyone and everyone. Thanks for the help!

Adam Vann
16 December 2017

I have had a wonderful experience. So easy to communicate. Jon did absolutely everything and above what he said he would do and was so organised on my behalf with organising everything with all parties involved. I will be definitely recommending Jon and Mortgage Choice.

John Thompson
16 December 2017

We were very impressed with Mortgage Choice as this saved us a lot of running around comparing banks and we were kept informed the whole time keeping us up to date with where things were at. We highly recommend the excellent service provided by Mortgage Choice and would have no hesitation in going through this process in the future. Thanks again to Jon and Chantelle.

Douglas (Doug) and Annette Culley
16 December 2017

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Calculate

You could borrow up to

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/ month
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Based on standard variable rate over years.

Start the pre-approval process

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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Over

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Your monthly repayments
Total loan repayments:
Total interest charged:

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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First Home Buyer?

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Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
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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.

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