Mortgage Broker in Aspley | Mortgage Choice

Your local mortgage broker and home loan specialist servicing Brisbane North including Albany Creek, Aspley, Bald Hills, Banyo, Bray Park, Chermside, Dayboro, Eatons Hill, Lawnton, Northgate, Petrie, Samford Village, Toombul.

Call: 0413 848 063

Whether you are a first home buyer or have bought previously, don't spend your time trying to find a home loan. Let us do the work for you, at no cost to you.

Give me a call or drop me an email - I can meet you at your home or a nearby coffee shop.

Call Us Mortgage Choice Aspley
Office - 0413 848 063

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

Address

PO Box 15 ASPLEY, QLD 4034

_{The loan process can be complex, confusing and take up a lot of time that many people just do not have.}

_{I am here to help by:}

_{Calculating how much you can borrow, what it will cost you to set up a loan and what the loan repayments will be.}
_{Provide options from the lenders you qualify with, explain their products to you, and let you know how long they could take to issue an approval.}
_{Keeping you informed on the progress of your application every step of the way so you know what is happening.}
_{Delivering great service not just leading up to settlement, but for the many years beyond, means I am here for you for the life of the loan.}

Start your home loan journey today

_{Get in touch to book your obligation free appointment for}

_{First Home buyer finance}
_{New home finance}
_{Property investment loans}
_{Home loan refinancing}
_{Debt consolidation}
_{Commercial finance}
_{Personal and car loans}
_{Asset finance}

_{Phone 0413 848 063 or Email lisa.elliott@mortgagechoice.com.au}

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. ~

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Lisa has been terrific from the very first time we spoke. I couldn't recommend her more highly.
Craig, Bridgeman Downs, QLD
- Upgrader

I used Lisa and Mortgage Choice to help with a difficult car refinance and she was absolutely fantastic. We had a short-time frame to make it happen and the whole process was very smooth. Lisa kept me up to date all the way through and settlement was a breeze. I can highly recommend her for all of your equipment finance needs.
David, Chermside, QLD
- Car Loan

Cassandra, Yeppoon, QLD
- Car Loan
A big thank you to Lisa Elliott and the amazing team at Mortgage Choice they have been exceptional throughout the purchase of my new car. They made the whole process stress free, I couldn't recommend them more

We would like to sincerely thank you for the service and support you offered during the loan application and finance process for our new family home.

We don’t believe the process would have been stress free and uncomplicated if we did not engage with Mortgage Choice.
Tina and Matt, Aspley, QLD
- Upgrader

Lisa went above and beyond. She was dedicated, kind and genuinely interested in finding me a great deal and helping me secure my new home. She was lovely to deal with and class all the way. I've already recommended her to friends in the market!
Katie, Banyo, 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.

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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 Melbourne. Or you can receive a FHOG of $20,000 if you buy/build a new home in regional 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 mortgage broker and home loan specialist servicing Brisbane North including Albany Creek, Aspley, Bald Hills, Banyo, Bray Park, Chermside, Dayboro, Eatons Hill, Lawnton, Northgate, Petrie, Samford Village, Toombul.

Aspley

The loan process can be complex, confusing and take up a lot of time that many people just do not have.

I am here to help by:

Calculating how much you can borrow, what it will cost you to set up a loan and what the loan repayments will be.

Provide options from the lenders you qualify with, explain their products to you, and let you know how long they could take to issue an approval.

Keeping you informed on the progress of your application every step of the way so you know what is happening.

Delivering great service not just leading up to settlement, but for the many years beyond, means I am here for you for the life of the loan.

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

Get in touch to book your obligation free appointment for

First Home buyer finance

New home finance

Property investment loans

Home loan refinancing

Debt consolidation

Commercial finance

Personal and car loans

Asset finance

Phone 0413 848 063 or Email lisa.elliott@mortgagechoice.com.au

The right home loan for your needs

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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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Contact us today.

_{The loan process can be complex, confusing and take up a lot of time that many people just do not have.}

_{I am here to help by:}

_{Calculating how much you can borrow, what it will cost you to set up a loan and what the loan repayments will be.}

_{Provide options from the lenders you qualify with, explain their products to you, and let you know how long they could take to issue an approval.}

_{Keeping you informed on the progress of your application every step of the way so you know what is happening.}

_{Delivering great service not just leading up to settlement, but for the many years beyond, means I am here for you for the life of the loan.}

_{Get in touch to book your obligation free appointment for}

_{First Home buyer finance}

_{New home finance}

_{Property investment loans}

_{Home loan refinancing}

_{Debt consolidation}

_{Commercial finance}

_{Personal and car loans}

_{Asset finance}

_{Phone 0413 848 063 or Email lisa.elliott@mortgagechoice.com.au}