Karen Shek

Your Local Home Loan Specialists for Upper Mount Gravatt, Mansfield, Macgregor, Wishart and Calamvale

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Call: 0488 053 338

Looking for home loans, refinancing, property investment loans, car loans or business lending?

Talk to Mortgage Choice, your local Mortgage Broker in South-East Queensland. Let our team compare over 30 different lenders to find you the right home loan - at NO COST to you

Call Us Mortgage Choice Carindale
Office - 0488 053 338

Open Hours Mortgage Choice Carindale
Mondays to Fridays: 9am - 5pm
Weekends & Public Holidays: By appointment only
Free Appointment

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Servicing Mount Gravatt, Camp Hill, Tingalpa, Wishart, Mansfield and surrounds

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Start your home loan journey today

Our home loan team specialises in a range of mortgages:

First home buyer loans
Upgrading or purchasing a second property
Refinancing and home loan increases
Self-managed super fund loans (SMSFs)
Loans for investment property or shares
Construction and renovation home loans
Bridging loans
Commercial finance

We also offer assistance with:

Financial planning and wealth creation
Car loans and leasing
Personal loans
Credit cards
Life insurance, trauma, TPD and income protection insurance
Home and contents insurance
Landlord's insurance
Deposit bonds

Home Loan Advice at No Cost to You

With Mortgage Choice you do not pay a fee for service.

If you're considering buying or building a home, refinancing an existing home loan, or building an investment portfolio, then chances are you have a lot of questions. We are here to help.

Servicing Mount Gravatt, Carindale, Camp Hill and beyond

For the best advice, speak to Luke and his team at Mortgage Choice, your local home loan specialists.

We service the following suburbs: Carindale, Carina, Carina Heights, Camp Hill, Tingalpa, Mount Gravatt, Mount Gravatt East, Upper Mount Gravatt, Wishart, Mansfield, Macgregor, Nathan, Robertson, Coopers Plains, Sunnybank, Sunnybank Hills, Runcorn, Algester and Calamvale.

Call Karen, 0488053338 at Mortgage Choice , to arrange an appointment.

Before your appointment

We ask that prior to your meeting if you could please complete our online Fact Find Form. This information will then be emailed directly to our consultants, will remain strictly confidential and will help us prepare for your meeting. The more information we have prior to your appointment, the more productive our meeting will be.

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

See all Google reviews

Karen did a great job. She is very professional and knowledgeable .
She helped to get my loan which saved me a lot of times by approaching the banks myself. She guided me through all the loan processing and still helping me afterward. She is just great. Thanks.
TK Wu, Melbourne, VIC
- Property Investor

Dear Luke,
Once in a while you come across a person who is honest, does a good deal, is receptive plus gives a lot of good advice and guidance....without expecting personal selfish returns... You are that person. You conducted a business but made it look like I was dealing with a good friend. Thank you.
Vim & Subra, Upper Coomera, QLD
- Property Investor

Thank you Luke for your professional expertise, your prompt and efficient manner throughout the refinancing, and with the mystery valuation, where your calm and thorough guidance was much needed and assuring.

We would without hesitation be returning to you for any future financing and will be recommending you most highly.

Many thanks
Terry and Kerry
Terry & Kerry, Warner, QLD
- Refinancer

Hi Luke,

Rachael and I just want to say thank you so much for your help with buying our home.

We are extremely happy with your service and all our concerns were addressed. We will continue to recommend you to family and friends.

Cheers,
Tate and Rachael
Tate & Rachael, Annerley, QLD
- Upgrader

Hey Luke,

I just wanted to say thank you so much for all your help and understanding with me buying my place!
I am very happy and excited to be starting this new journey in my life and I couldn't have done it without you.

I will be recommending you to anyone I know! Thank you so much again and all the best!
Selby, Moorooka, QLD
- First Home Buyer

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.

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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.

State / Territorial Revenue Web Sites

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Your Local Home Loan Specialists for Upper Mount Gravatt, Mansfield, Macgregor, Wishart and Calamvale

Carindale

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

Home Loan Advice at No Cost to You

Servicing Mount Gravatt, Carindale, Camp Hill and beyond

Before your appointment

The right home loan for your needs

Google Reviews

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First home buyer's guide

Help me calculate

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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