Mortgage Choice Norman Park-Mark Waugh, your local home loan broker for Norman Park, Hawthorne, Coorparoo & surrounding areas

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Call: 07 3395 4077

Need help with your finances? Talk to Mark Waugh and the team in Norman Park for help with home loans, car loans, business lending, financial advice and more.

Call Us Mortgage Choice Norman Park
Office - 07 3395 4077
Fax - 07 3102 9173

Open Hours Mortgage Choice Norman Park
Monday - Friday 8.30am - 5.30pm
After hours by appointment.
Free Appointment

Address

69 McIlwraith Avenue NORMAN PARK, QLD 4170

Latest home loan interest rates

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Start your home loan journey today

Welcome to Mortgage Choice Norman Park, my name is Mark Waugh, your expert local home loan broker for suburbs in the inner south area of Brisbane.

Why Choose Mortgage Choice Norman Park - Mark Waugh

When I first entered the finance industry over 20 years ago, I was provided with some sound advice when dealing with clients. I was told to "put myself in the customer's shoes". Well many years on & I am still doing it.

When you contact us we will:

Listen to your needs.
Review your situation with you and help you find the most suitable loan for your personal circumstances.
Help make the home loan process simple for you with a personal and friendly approach.
Do the running around for you to help make buying a property as stress-free as possible.

Best of all, there is no charge for our home loan service. So contact Mark Waugh today for an obligation-free chat about your home loan, car loan and finance needs.

Working alongside me is my wife Lisa, who is our Office and Marketing Manager. We also have a customer support team. As your local home loan expert in Norman Park & Greenslopes, we will guide you through the entire home loan process and be available 24/7 to provide ongoing service to you at all stages of the process:

We help you whilst you are still searching for your property, including giving you free property report/s to help you assess what the new or your existing property may be worth.
During the purchase process, we guarantee to keep you regularly informed, returning calls promptly so you are not left worrying or wondering what is happening.
Once your home loan is in place, we will provide you with free ongoing reviews to ensure you continue to have the most suitable loan as your circumstances change with time.

We know what it's like to make a significant financial decision, like buying a property. Whether it's your first house or your fifth, the emotional journey is exactly the same. We know this as early in 2007 we bought the property where our office is located.

We are here to help you, so call us on 3395 4077 or 0412 851 469 or send an email to mark.waugh@mortgagechoice.com.au or click on Contact Us at the top of this page.

What makes Mortgage Choice different?

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

With access to hundreds of loans from a wide choice of lenders, including Australia’s big banks and a selection of specialist lenders, we're confident in finding all of our clients the right finance option for them.

Our team | Mortgage Brokers Norman Park

Prior to purchasing the Mortgage Choice franchise over 18 years ago, I was a practicing Certified Financial Planner, assisting people to set and reach their future financial goals. So I help you look at the big picture to make sure your home loan fits in with your overall needs and goals.

I am a Commissioner for Declarations so can assist you with document witnessing and certification to make the whole loan process more convenient and simpler for you.

Hear what some of our customers say about our service!

We service Norman Park, Hawthorne, Balmoral, Bulimba, Seven Hills, Coorparoo as well as all areas in inner south Brisbane, including Greenslopes, Stones Corner, Kangaroo Point, East Brisbane, Morningside, Cannon Hill, Murarrie, West End, Highgate Hill, Holland Park, Tarragindi, Annerley, Woolloongabba, South Brisbane, Fairfield, Yeronga.

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Norman Park, Hawthorne, Coorparoo and surrounds, we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with Mark Waugh to discuss your unique circumstances.

Ready to kickstart your journey to home ownership?

We’ll assist you along the way and do all the legwork for you! Call Mark Waugh today on 07 3395 4077

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

Mark did a great job navigating me through the process and helping me secure my home loan. I would highly recommend his services

James
08 March 2024

Mark Waugh has assisted us with several loans refinancing over the years. He was recommended by friends and I would similarly recommend his services to others. He made it very simple to compare lenders and obtain the most competitive rates.

Kate
10 January 2024

Mark has assisted me in navigating through what often feels like a minefield of information and processes when it comes to applying for a home loan. I called upon his expertise with my initial home loan and now once again with my refinancing. Truly makes it a painless process, at least for me -

Serap
21 December 2023

We have used Mark for our mortgage needs, both personal home and investments for many years, including recent refinancing. He has been professional and personable and taken all the stress associated with dealing with banks and lenders to find the best options for us, completely off our shoulders.
I would highly recommend him. Thanks Mark.

Nicole
24 October 2023

Thank you very much Mark for your help with our loan application recently. You made the process so simple and seamlessly for us. You impressed us again with your professionalism and care for your clients. Cannot recommend you enough.

Sophie
18 October 2023

Only the highest of praise and thanks to Mark for his service helping us secure our first home loan. As first home buyers, we had very minimal knowledge of the details, requirements and stages of the process. Mark explained everything clearly even multiple times, explored all scenarios with us to make sure we were comfortable with our decision, made gathering documents super simple and worked late into... read more

Tia
11 October 2023

Mark assisted with initially navigating and securing a loan for purchasing our first property, and subsequently guided us through the process of refinancing when our fixed rate loan had run its course. In both instances Mark provided great advice, found the best rates available at each time, explained the process and the concepts clearly and in simple terms, and guided us through the steps in a way that... read more

Vance
03 October 2023

Mark is a great professional, strongly recommending him.

Maria
09 September 2023

Mark is a highly experienced and knowledgeable professional delivered prompt, efficient and timely service in relation to the mortgage requirements with my first property purchase - I highly recommend Mortgage Choice Norman Park.

Bradley
03 September 2023

Mark was extremely helpful during the process of the purchase of my next home. He assisted with additional information, which allowed me to confidently offer on properties without the fear of my finance being comprised during the time of regular rate hikes.
I can not recommend Mark and services highly enough.

Michelle
01 May 2023

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

Download now

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Calculate

You could borrow up to

Repayments
/ month
Expenses
Remaining

Based on standard variable rate over years.

Start the pre-approval process

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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Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

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Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

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.

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

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Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

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.