Lindon Reed - Your local Cairns mortgage broker and home loan specialist in Far North Queensland

Call: 07 4042 2000

Need help with your finances? Talk to Lindon Reed and the team in Cairns for help with home loans, car loans, business lending, financial advice and more. Call us on 07 4042 2000.

Call Us Mortgage Choice Manunda
Office - 07 4042 2000
Fax - 07 4042 2020

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

Address

Suite 1, 7 Anderson Street MANUNDA, QLD 4870

Latest home loan interest rates

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Start your home loan journey today

We are more than your next home loan!

Lindon and the team at Mortgage Choice Cairns can help you with more than just your home loan. Our team will work with you from start to finish and we will take you through your home loan borrowing capacity.

If you’re looking to make your next property move give us a call today! As your local Mortgage Choice in Cairns, we can help you cut through the clutter to find a lending solution that’s right for you and your situation.

We will guide you through the home loan maze

Lindon is a leading Cairns’ mortgage broker and a proven home loan specialist. He is here to guide you through the mortgage maze and make the loan process easy by taking care of the paperwork on your behalf.

We take the time to explore your individual circumstances and goals to identify the right loan option for your needs. This is different from when you go straight to a bank, where your options are often limited.

Start achieving your goals today, call Mortgage Choice Cairns on 07 4042 2000.

We can also help you with:

Organise a home loan health check!

With so many things to consider like interest rates, fees and borrowing power - getting all the right information about your home loan is key. If you've been thinking about refinancing, make sure you check out our short video!

As your local home loan expert, we have access to hundreds of loans from a wide choice of leading lenders, including Australia’s big banks and a selection of specialist lenders.

If you're interested in finding out how much you could save on your home loan, Lindon Reed from Mortgage Choice Cairns can organise a free review of your current loan.

Want more information about the home loan process?

Our free property guides are packed full of information to help you navigate the home loan process. If you're ready to lower your mortgage repayments or purchase a new property then you will find our guides extremely helpful.

Download your copy for free here!

Talk to Lindon and the Cairns Mortgage Choice team about your free home loan health check.

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 recently had the pleasure of working with Samantha and the team and Mortgage Choice Cairns for securing a mortgage for our second home and I couldnt be more impressed and pleased with the whole experience Samanatha is so knowledgable and her friendly, professional personality made what could have been a stressful time, so exciting. Everything ran smoothly all thanks to her and I couldnt recommend Cairns Mortgage Choice enough

Emma
29 September 2024

We have greatly valued and benefitted from Lindon's advice on our buildhome purchasing journey. He and the team are very responsive to individual needs and changing circumstances. The team are personable, offer clear, practical and above all, independent advice, backed up by excellent service Thank you again for all your help.

Renee
16 September 2024

Sam was a pleasure to work with and was extremely helpful in answering any questions my wife and I had while trying to purchase our first home Thank you Sam

Maxwell
15 August 2024

Sam at Mortgage Choice was excellent throughout the whole refinancing process. Prompt and thorough communication every step of the way. Thank you

Marie
12 August 2024

Lindon and the team at Mortgage Choice Cairns were extremely helpful in assisting my partner and I with finding a lender for our first home. I would recommend Mortgage Choice to anyone who is looking for a mortgage broker

Bianca
15 July 2024

Lindon the team went above and beyond to achieve the results we wanted plus more, we cant thank you enough for your endless hard work, its greatly appreciated, we hope to achieve more with you guys in the future

Holly
09 May 2024

Looking for a mortgage broker, mortgage choice Cairns is the one stop go to shop Wonderful experience easy to communicate with and super helpfull, everything was done with ease getting me into the property market. Thank you to all the team and especially Lindon

Sherry
08 May 2024

Great choice of products
Best interest rates.

Sean
08 May 2024

We had a great experience with Lindon. Everything went smoothly and they were very helpful throughout the process. Would be happy to recommend them to anyone.

Amanda
08 May 2024

I highly recommend Mortgage choice for their excellent service,they will assist you in every step ,lindon and the whole team was very thorough with the whole process of my house refinancing,Great work Mortgage Choice, more power Thanks heapss

cairns
07 May 2024

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You could borrow up to

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Based on standard variable rate over years.

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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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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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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.

From 09 May 2024, if you buy a home costing up to $450,000, no stamp duty is payable at all. If the value of your home is between $450,000 and $600,000, you’ll be entitled to a reduced rate of stamp duty.

There are no additional concessions for homes valued above $600,000 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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Lindon Reed - Your local Cairns mortgage broker and home loan specialist in Far North Queensland