Karen Le Comte Mortgage Broker in Cleveland, Redlands, Brisbane Bayside & surrounds

Call: 07 3821 2539

Karen’s knowledge, passion and client focus have seen her become one of the most highly awarded and respected mortgage brokers in Australia. She and the team at Mortgage Choice Cleveland deliver a comprehensive, personalised and results-oriented service.

“I focus on creating ‘clients for life’ – I’ve become a long-term trusted adviser, assisting clients with their changing financial needs at various times in their lives,” she says.

Karen and the Mortgage Choice are based in Cleveland and surrounding areas throughout Brisbane Bayside.

Call Us Mortgage Choice Cleveland
Office - 07 3821 2539
Fax - 07 3821 3497

Open Hours Mortgage Choice Cleveland
Monday to Friday
9:00am to 5:00pm
Free Appointment

Address

1/20 Masthead Dr CLEVELAND, QLD 4163

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Services

With their expertise and a can-do attitude, this is a team that gets results! Whether you’re planning to buy property, refinance or invest, Karen and the team will work closely with you to access smart lending solutions to help you achieve financial security.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)

Other areas we service

The Mortgage Choice Cleveland team have a strong network of local business partners in the areas of real estate, financial planning, property law, building/developing and personal insurance to help streamline and simplify our clients’ property and asset purchases.

Karen and the team are based in Cleveland with easy access and parking for in-office meetings.

Cleveland
Thornlands
Wynnum
Sheldon
Wellington Point
Ormiston
Victoria Point
Redland Bay
Alexandra Hills
Mount Isa
Wynnum
Birkdale
Thorneside
Capalaba
Wakerley
Manly
Cornubia
Carbrook
Mt Cotton
Gumdale
Lota
Raby Bay
Aquatic Paradise

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Cleveland, Redlands, Brisbane Bayside and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with us to discuss your unique circumstances.

Ready to kickstart your journey to home ownership?

We’ll assist you along the way and do all the legwork for you! Call us today on 07 3821 2539.

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

We were referred to Smartline, this is where we met Erin Le Compte!
We are so grateful to have had Erin guiding us through the whole process, answering all our questions and genuinely taking an interest in securing our first home.
Erin customer service was second to none and she went above and beyond!

Melissa
08 August 2022

Erin rocks!

Karen
26 July 2022

Erin went above and beyond in helping me with this, and was able to answer all of my questions very quickly and concisely.

Mitchell
15 January 2021

My wife & I were nervous about meeting with a mortgage broker due to our past history. We were made welcome & were comfortable within minutes that we had the right decision contacting Smartline. Would recommend them to everyone.

Nicole
05 November 2020

Erin worked hard from start to finish to find the right loan for our circumstances and correspodended with the builders and conveyancing solicitors to make sure the settlement of our old and new home happened on the same day

Dale
01 November 2019

Smartline made our journey through home buying a positive one. Truly appreciated their expertise but also approachability & friendliness.

Matthew
28 September 2019

Extremely happy. Even escalated when needed to get the loan approved that day.

Cameron
30 July 2019

Was great help through out the whole process and always good communication so you no what’s going on with your loan

Kyle
19 November 2022

I am so grateful for Karen's guidance and support throughout the journey of buying my home. Her expertise and client service is amazing. I can't rate my experience with Smartline more highly!

Jennifer
19 September 2022

As always, we received top customer service from Erin. When we thought we were stuck, Erin found a way to get us in a better position. This is why we keep coming back to Erin for her assistance. I cannot recommend her highly enough.

Tyrell
15 September 2022

Karen and the team went above and beyond what was needed to assist us with getting our first home. Ryan had all the answers to our questions, and Erin guided us through our loan documents in easy to understand language.We felt supported by a team that is passionate about what they do. We will certainly use them again.

Nathan
24 July 2022

We have been a client of Smartline for many years,once again Karen, Erin and the Team (Hannah, Ryan & Natasha) have enabled our dream to come true sourcing finance for both our house and land in Tasmania. All options were presented and explained and we were regularly updated on the progress. Special thanks to Erin with her calm and professionalism in dealing with our many emails and phone calls full of questions.
Thankyou Smartline Cleveland.

Steven
27 June 2022

Karen, Erin and the entire smartline team were amazing and took such great care of us and went above and beyond to support us! Overall customer experience was outstanding.. Thank you Smartline Cleveland :-)

Michelle
23 June 2022

We've been using Smartline for eight years and are incredibly thankful Karen was recommended to us. Karen and her team are highly knowledgeable about current market conditions, making us comfortable in trusting them to seek out the best loan products to support our requirements. They're friendly and genuinely care, working hard with your best interest at heart. A massive thank you to Karen and her team for the o... read more

Fivos
22 June 2022

Karen and Ryan offered excellent advice initially and kept us informed throughout the process. They have helped us over many years with great service.

Neil
15 June 2022

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

Download now

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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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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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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.