Home loan expertise in Brisbane North. Looking after Albany Creek, Aspley, Bald Hills, Chermside, Eatons Hill, and surrounding suburbs.

Call: 0413 848 063

Buying a property is one of the biggest financial commitments we make in life. Obtaining the finance can be a complex and overwhelming experience even for those who have purchased previously.

Specialising in home loans of all kinds, I am here to help you through the process.

If you are a first home buyer, looking to upgrade, purchase an investment, or want to see if you can save on your current loans, call Lisa today or book an appointment online to discuss your home loan needs.

Call Us Mortgage Choice Aspley
Office - 0413 848 063

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

Address

PO Box 15 ASPLEY, QLD 4034

Your local home loan expert in Aspley and surrounding suburbs

Buying a property is one of the biggest financial commitments we make in life. Obtaining the finance can be a complex and overwhelming experience even for those who have purchased previously.

I am here to help you through the process.

Sure you could go direct to a bank, but they can only offer you one of a few of their own products, which may not be the best solution available to you.

As your Mortgage Choice Mortgage Broker I research over 35 different lenders and provide you with the information and lending options so you can make an informed choice. Not every loan product is the same and what fits one person may not be the best fit for you. I'll explain any differences so you have a clear understanding why a recommended product works best for your situation.

I'll also help with any government grants and schemes that you may be eligible for.

I am here to help you all the way up to settlement and beyond, reviewing your loan periodically to be sure it still meets your needs.

And this service comes at no cost to you.

To find out how I can help you achieve your goals, contact Lisa on 0413 848 063

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I love getting out and about so I will often meet my clients at their home or a nearby coffee shop (I love supporting other small businesses too). If you prefer not to venture out, or perhaps you work late, then we can schedule an online meeting. Book in your initial phone appointment with me and let's get the ball rolling.

Keeping up to date

The world is changing rapidly. To stay up to date with all things home loans, and probably some shameless self pics, like and follow me on Instagram and Facebook

Start your journey today - Call Lisa or book an appointment online

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

My wife and I have been working with Lisa for many years now. She has made refinancing quick, simple and an enjoyable experience. I highly recommend Lisa and her team.

Sebastian
06 March 2024

Lisa explained everything to us clearly and made the process as pain-free as possible. Thanks so much

Michelle
06 November 2023

If we could give more than five stars we would We recently contacted Lisa to organise a car loan for a new company vehicle for our business. Lisa and her assistant Kaine were awesome to work with Their communication and prompt updates with the progress of the loan were amazing I highly recommend Lisa and her team if you are looking for a loan

Australian
31 August 2023

Lisa was fantastic from start to finish, we purchased our house from a family trust which made it little more complex than a normal purchase however Lisa kept things simple and concise with great advice. She provided us with multiple lender options and helped us in choosing the best for our situation. Highly recommend

Tom
25 July 2023

Lisa Elliott and the team at Mortgage Choice went above and beyond during our process of applying for a home loan.

Lisa took time to visit us in our home, explained everything in detail and was there to support us at each step, through to settlement.

We couldn't recommend Lisa and the Mortgage Choice team more highly

Sarah
29 June 2023

Lisa and Kristin at Mortgage Choice made the process in finding the right product for me so easy. I would recommend them to any first home buyer.

Meg
09 February 2023

Lisa has made refinancing a breeze. She guides you through the process and asks all of the questions that we didn't even think to ask. I cannot recommend her enough.

Emma
08 February 2023

Lisa was a pleasure to work with. Very knowledgeable and efficient. We will be happily recommending and will use again. Thanks again.

Ashlea
16 January 2023

Lisa Elliott is wonderful to deal with. Her and her team are incredibly professional and helpful. I wouldnt want anyone else to help me with purchasing my first home. They really made it an easy and straight forward process.

Bridget
29 November 2022

A very friendly team, simple procedures to follow but very efficient

Catherine
20 November 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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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.

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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