Mortgage Broker | Home loan | Mortgage Broker Gold Coast

Mortgage Broker Gold Coast & Home Loan expert Southport | Home Loans Varsity Lakes| Servicing all areas of the Gold Coast

Call: 07 5531 2999

Need help with your finances? Talk to Mark Balding, and his team in Southport & Varsity Lakes for help with Home Loans, Car Loans, Business Loans, financial advice and more.

If you need an experienced Mortgage Broker in Southport & Varsity Lakes why not call us!

**** If you have not reviewed your Home loan for some time you could missing out on some great savings . Ask for our Free Home loan Health check****

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Your local Gold Coast home loan experts are just around the corner!

At Mortgage Choice Southport & Mortgage Choice Varsity Lakes, we're passionate about helping people through the stressful process of securing finance for their first home, next home or investment property.

Our Southport office has now been relocated to 220 Varsity Parade, Varsity Lakes. We can conduct home loan interviews virtually (by phone or video conference). Please call us on (07) 5531 2999 for any assistance).

We are open and can conduct home loan interviews by video conference/telephone conference or face to face.

Use our easy online button to book an appointment in our offices in Varsity Lakes or a telephone/ video conference. If your chosen time is unavailable, please call (07) 5531 2999 to book a suitable time by arrangement.

** Varsity Lakes Office: 220 Varsity Parade, Varsity Lakes - Operating Hours : 9am to 5.00pm Monday to Friday**

***Southport area : Now operated online/ by phone - operating Hours : 9am to 5pm Monday to Friday. The Southport office has now been relocated to Varsity and Varsity is available to take your calls ***

***After hours by arrangement****

Come in and chat with our friendly team at 220 Varsity Parade, Varsity Lakes or if your prefer to have the discussion from the comfort of your home we can do video or telephone conferencing. We are your local Gold Coast Mortgage Broker in Southport area and Varsity Lakes.

Located centrally on the Gold Coast, we can help you with Home Loans, Investment Loans, Personal Loans & Business Loans now and into the future. We pride ourselves on providing a consultative personalised service to all of our clients.

Figure out how much you could borrow for your next property with our home loan borrowing calculator.

We love helping our clients, no matter where they are!

We service Southport, Surfers Paradise, Labrador, Biggera Waters, Runaway Bay, Hope Island, Helensvale, Pacific Pines, Nerang, Mermaid Waters, Broadbeach, Robina, Varsity Lakes and surrounding areas on the Gold Coast.

No matter where you are, we can provide you with professional advice on your home loan at no cost to you.

Hear what some of our customers have to say!

Come by and visit the Home Loan experts and Business Loan experts at 220 Varsity Parade, Varsity Lakes. We service all of the Gold Coast, including Southport, Labrador, Runaway Bay, Broadbeach, Varsity Lakes and surrounding suburbs.

Stay up to date with the latest news, rate drops and all of the exciting things happening at Mortgage Choice Southport & Varsity Lakes! - Follow us on Facebook

Did you know we can help you with:

Buying or building a new home
Purchasing your First Home
Refinancing your existing property
Buying/ refinancing a commercial/ industrial property
Car loans & personal loans
Business equipment or Asset Finance
Self Managed Super Fund (SMSF) lending
Full financial planning services

What makes us different?

Our home loan service doesn’t cost you anything!

At Mortgage Choice Varsity Lakes, our home loan service is at no charge to our customers because the lenders pay us a commission after your home loan settles, so you get all of our expertise at no cost to you.

And, as Mortgage Choice brokers, we’re paid the same rate of commission regardless of which home loan you choose from our wide choice of lenders.

If you want peace of mind, have one of our Home Loan and Business Loan specialists help you. Call us on (07) 5531 2999 to organise your obligation-free appointment today at our office at Varsity Lakes or conduct an interview by telephone or video conference!

In the Southport and surrounding areas, we are now conducting all interviews by phone or video conference.

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. ~

John & Olivia, Benowa, QLD
- First Home Buyer
I highly recommend our Mortgage Broker, Mark Balding. Mark went above and beyond to get everything processed, in what was a very limited time frame. The service provided was friendly, efficient and thorough. We won’t hesitate to refer our friends and family, and we will certainly be reaching out to Mark next time around.

Laura and Anthony, Burleigh Heads, QLD
- First Home Buyer
Mark was wonderful to deal with and helped us immensely in the purchase of our home. We had never used a mortgage broker previously, but we would recommend it to anyone. Mark made the process transparent and we highly recommend him. Thankyou so much for all your help Mark.

Matt, Gold Coast, QLD
- First Home Buyer
Highly professional team, who go the extra mile to ensure a positive outcome. I strongly recommend Mortgage Choice Southport for all your mortgage needs. I'll definitely be using their services again.

O & J, Gold Coast, QLD
- First Home Buyer
Woohooo, it’s so exciting! Thank you so much Mark and Tamara! This would not have been possible without your dedication and perseverance!! You have made my day/week/month/year!

I wish to send out a huge thanks to you and your staff for making this possible.

Through the whole journey you have been very supportive, always willing to help and professional.

I would definitely recommend Mortgage Choice at Southport to anyone.

Thank you.

Nat, Surfers Paradise, QLD
- First Home Buyer

Mortgage Choice helped us in every way possible from home to car to valuations to equity. (Saving is big $$$ each week) Everything that was happening was explained in easy to understand ways which made it very easy for us to make the best decision. We won’t use anyone else, from now on all our decisions will be made after talking to Mortgage Choice Southport
Jjai, Gold Coast, QLD
- Refinancer

Mortgage Choice in Southport team are friendly, efficient and on top of things. Completed my refinance in a short period with a good deal and with no issues. Thanks for your help and support even while your office was closed during Christmas.
Mina, Melbourne, VIC
- Refinancer

I really appreciate the lengths you went to to show me what I was able to achieve. I didn't think I would be eligible a loan this soon, but I am very excited!
At this stage, I am still thinking of purchasing a home in the second half of the year but when I am ready, I will definitely be reaching out to Mortgage Choice again
Jessica, Gold Coast, 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.

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 $176,000 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.

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Mortgage Broker Gold Coast & Home Loan expert Southport | Home Loans Varsity Lakes| Servicing all areas of the Gold Coast

Latest home loan interest rates

Your local Gold Coast home loan experts are just around the corner!

What makes us different?

Our home loan service doesn’t cost you anything!

And, as Mortgage Choice brokers, we’re paid the same rate of commission regardless of which home loan you choose from our wide choice of lenders.