Mortgage Brokers in Buderim, Maroochydore, Mooloolaba

Your award-winning Sunshine Coast mortgage broker and home loan specialist in Buderim, Maroochydore, Mooloolaba and surrounds

Call: 07 5445 3555

Talk to the team at Mortgage Choice Buderim for help with purchasing your first home, an investment property, car or personal loan.

We love helping our clients navigate the home loan process, making it super easy and stress free for you.

Our mission is to help our clients build financial freedom, one property at a time.

Call Us Mortgage Choice Buderim
Office - 07 5445 3555

Open Hours Mortgage Choice Buderim
8.30am - 5.00pm
Free Appointment

Address

2/3-5 Ballinger Road BUDERIM, QLD 4556

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Start your home loan journey with us today

Our team of expert Mortgage brokers will help you discover how easy it can be to achieve your property goals. With the help of our multi-award winning team at Mortgage Choice in Buderim, you will experience home loan guidance based on years of financial experience and local Sunshine coast property knowledge.

We make the whole process easy for you.

We listen to your needs.

We have access to hundreds of home loan products from over 20 lenders.

Our loan solutions are tailored to your goals .

We speak in plain English so that you know which loans we recommend and why.

We’ll follow the progress of your loan and keep you informed all the way to settlement.

Most importantly we're here not only throughout the home loan application, but throughout the life of the home loan

Our home loan service comes at no cost to you

Our home loan services are free of charge to you because the lenders pay us commission when the loan is settled. We get paid the same commission regardless of which home loan you choose, as long as it's a residential home loan with one of our lenders on our panel. This means that our mortgage brokers are always focused on the right outcomes for you.

Get started on your dream home today

We can even meet at a time and place that suits you – right across the Sunshine Coast, Buderim, Maroochydore, Mooloolaba, Mountain Creek, Sippy Downs, Maleny, Montville, Twin Waters, Kawana, Caloundra and surrounds.

Discover how easy it is to achieve your goals. Call Mortgage Choice Buderim today on (07) 5445 3555 or simply click the Contact Us button at the top of this page.

Book an appointment with us here

Kaia and the team at Mortgage Choice in Buderim can assist with all your finance needs - it's our mission to help our clients create financial freedom - one property at a time.

Here's how:

Purchasing your first home
Upgrading your home
Purchasing your first (or 5th) investment property
Refinancing your home & investment loans
Debt consolidation
Renovation loans
Personal, car and equipment loans
Commercial finance

Our office is based in Buderim but we also service Maroochydore, Mooloolaba, Forest Glen, Sippy Downs, Palmwoods, Woombye, Nambour and beyond.

For tips and advice about home loans and money, join us over on Facebook or follow our blogs.

If you're a first home buyer, make sure you grab our First Home Buyer's Guide below!

Start your home loan journey today

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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Kaia and Tess have been fantastic throughout our time with them. They make the whole process simple and efficient, all the while with a smile and ever cheery disposition. If you are looking for someone who is professional with a great level of knowledge in the industry look no further. We couldn't be happier with the service we received.
Shannon, Caloundra West, QLD
- Upgrader

When I called the bank I had been with for 20 years I felt very disheartened about the possibility of getting a mortgage. I had no idea how to go about the whole thing.

A friend recommended Kaia and from the first phone call to the last (which was about a 6 month period) she guided and encouraged me through the whole process.

So here I am sitting in my own little piece of paradise, thanks to both Kaia and Mikaleigh! I seriously couldn't have got through getting my place without them....I am so grateful. I can't sing their praises enough! Keep up all the good work! THANK YOU.
Jacqui Nicholls, Maleny, QLD
- Upgrader

The team of fabulous women at Mortgage Choice Buderim are to be congratulated on their consistent and reliable efficiency, professionalism, attention to detail, and the way they make a stressful and bewildering experience seamless and secure.

Their genuine joy at bringing possibilities alive in people's lives is inspiring !

Any gals who work in gorgeous shoes like that are amazing !!
Kath Williams, Cooroy, QLD
- Upgrader

On behalf of Lorna and myself we would like to take this opportunity to thank Kaia and her wonderful team of people for helping us along in a journey to obtain a mortgage for the purchase of our property at Coes Creek.

This journey could have been a very difficult one which we were experiencing with our previous bank due to our financial circumstances.

Based on a reference from one of the Real Estate agents we spoke to, he recommended the broker Mortgage Choice in Buderim to consider us in getting our finance across the line.

Yourself, Tess and the rest of the team were absolutely wonderful and made the experience pleasurable and with a very favourable outcome.
Paul and Lorna O'Kane, Coes Creek, QLD
- Upgrader

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 $176,000 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.

The Territory’s First Home Owner Discount has been in place since 8 February 2019. It lets you save up to a maximum of $18,601 on the cost of stamp duty. The savings is available whether you buy a new or established home as long as the home is 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 $8,750, 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 $505,000, you pay stamp duty of $1,050, a saving of $7,875. These savings cut out altogether if your first home costs $550,000 or more. On a property valued at $550,000, for example, the stamp duty would work out to be $10,600.

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 $20,000 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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Your award-winning Sunshine Coast mortgage broker and home loan specialist in Buderim, Maroochydore, Mooloolaba and surrounds

Buderim

Latest home loan interest rates

Start your home loan journey with us today

Our home loan service comes at no cost to you

Get started on your dream home today

Book an appointment with us here

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

The right home loan for your needs

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First home buyer's guide

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2nd Applicant

Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

State / Territorial Revenue Web Sites

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