Lisa Elliott

Your local mortgage broker and home loan specialist servicing Brisbane North including Albany Creek, Aspley, Bald Hills, Chermside, Eatons Hill, and surrounds

Call: 0413 848 063

Need help with home loans, refinancing, property investment loans, car loans or construction loans?

Talk to Lisa Elliott or make an appointment today.

Let Lisa compare over 30 different lenders to find you the right home loan - at NO COST to you

Call Us Mortgage Choice Mcdowall
Office - 0413 848 063

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

Mobile Broker

Servicing Aspley, Chermside, Albany Creek, Eatons Hill, Northgate, Samford Village and surrounds.

Start your home loan journey today

Your local home loan expert in Aspley and surrounding suburbs

Buying a property is one of the biggest financial committments 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.

As your Mortgage Choice Mortgage Broker we provide options so you can consider the product ranges from over 27 different lenders.

We take the time to explain the options so you have a clear understanding of your home loan and can make informed choices. We will help with any government grants and schemes that you may be eligible for.

We are there to help you all the way up to settlement and beyond.

And our service is at no cost to you.

_{To find out how we can help you achieve your goals, contact Lisa Elliott on 0413 848 063}

_{Appointment hours:}

_{Monday - Friday: 9:00am - 5:00pm}

_{After hours by}_appointment

_{I am a mobile broker and more than happy to meet you at a time and place that suits you - let us know!}

_{You' ll find most of our content on our Instagram and Facebook pages.}

We can help with a range of services, such as:

Pre-approvals
Free home loan reviews
Refinancing & debt consolidation
Finance for renovating or upgrading
Construction loans
Loans for first home buyers
Property Investment
Fixed, Variable and Interest Only Loans
Car Loans
Personal Loans
Asset & Equipment Loans
Car Buying service

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

Lisa provided thorough guidance and assistance through the process of refinancing for the first time. We'll definitely connect Lisa again with all other loan enquiries.
Emily S
04 July 2022

I would highly recommend Lisa. As a first home buyer it was important to me that I had a mortgage broker who I felt I could trust and would put up with me asking lots of questions. From the first meeting I absolutely felt I could trust her and she answered all of my questions and continues to do so. Could not have had a better experience.
Emma Foots
18 June 2022

Lisa was very efficient, friendly, accomodating and honest.
Maggie Thomas
18 June 2022

We contacted Lisa to look at our home loan as we are extending it to put in a pool. The same day I got her what she needed from us, Lisa got back to me and was able to get our loan down to a much lower rate to what we were currently paying. Lisa was prompt, professional and fast. I would highly recommend Lisa Elliott to anyone wanting to refinance or even purchase their new home. Lisa makes it a stress-free experience
Jason Boyland
19 May 2022

Highly recommend Lisa Elliott.
Lisa and her team were professional, prompt courteous from the beginning of our transaction right through to settlement.
If you are looking for a mortgage broker who will go beyond your expectations to ensure you are provided with a fit for purpose lending option then look no further.
Thank you to both Lisa Kristen.
Michelle McDonald
18 December 2021

We first spoke with Lisa approximately 1 year before we were ready to purchase our first home. Lisa was generous with her time and provided all the information that we needed to plan our goals. When we were ready to buy, Lisa guided us through the entire process, answered all our questions and was patient and diligent. She really cares about her clients and her guidance and advice was invaluable to ou... read more
Lochie James
18 December 2021

We honestly cannot find fault in our experience with Lisa. After unsuccessfully contacting a few other brokers that had been recommended, I reached out to Lisa who was in touch within 24hrs. With us both being naive, first home buyers looking to enter the market at a particularly ugly time, Lisa was nothing but supportive from our first meeting to our last interaction. We were never made to feel silly... read more
Lauren Gillard
18 December 2021

Lisa came recommended to us to help us get our first mortgage and I cannot thank her enough
Now we are in our new home, all be it surrounded by boxes
Thanks heaps for all the help
Deb and Andrew
Deb Perina
18 October 2021

Lisa helped throughout the whole process and was super responsive. Highly recommend
Jake Stuthridge
18 October 2021

Lisa and her team made my property purchase easy and stress free. I could ask questions and get help easily and it was a wonderful experience right through from start to finish. Highly recommended.
Katelyn Aslett
17 September 2021

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.

Download now

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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.

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Your local mortgage broker and home loan specialist servicing Brisbane North including Albany Creek, Aspley, Bald Hills, Chermside, Eatons Hill, and surrounds