Home loan and financial services experts in Kallangur & Brisbane North QLD

Your award-winning local mortgage broker and home loan specialist in Kallangur & Brisbane North Qld. Enjoy a positive loan experience with Michael's expert advice, knowledge and customer satisfaction.

Call: 07 3482 2744

Looking for a home loan? Talk to Michael Kidman, your local Mortgage Choice broker in Kallangur & Brisbane North, QLD. Let us research and compare lenders for you.

Michael will take you in the right direction when you require:
-Home Loans
-Investment Loans
-Refinancing and debt consolidation
-Personal Loans
-Car Loans
-Commercial loans and leasing

Call Us
Office - 07 3482 2744

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

Address

1/1468 Anzac Avenue KALLANGUR, QLD 4503

Enjoy a positive loan experience during COVID-19

Mortgage Choice Kallangur & Brisbane North understand the current situation can be very stressful to you & your family. We are here to answer any questions or concerns you may have regarding your loan. We are are able to offer virtual appointments with you whilst maintaining social distancing to accomodate all safety requirements.

Michael's expert advice will take you in the right direction when you require a loan.

Servicing the following suburbs North Lakes, Mango Hill, Petrie, Strathpine, Narangba, Albany Creek,Morayfield, Bracken Ridge, Chermside and Lower Sunshine Coast and many more we are always available to assist you.

We go the extra mile for you

Michael and the team at Mortgage Choice in Kallangur & Brisbane North can help you choose from hundreds of home loans offered by Australia's leading lenders including the major banks.

We'll assist you with your application, and take care of the paperwork, keeping you informed of the progress of your loan all the way to settlement.

We can find the right home loan at no cost to you

We provide you with a no cost to you service as we are paid by lenders. Rest assured, we receive exactly the same payment regardless of the lender you choose, so you enjoy the benefit of unbiased home loan advice.

Michael Kidman and his Mortgage Choice team service the Moreton bay region including North Lakes, Petrie, Strathpine, Mango Hill, Narangba, Brisbane north, Bracken Ridge, Chermside and lower Sunshine coast.

Discover the difference

With flexibility, friendly service and a "go the extra mile" attitude, you can relax and rest assured your finance needs will be catered for.

Call Michael Kidman today on 07 3482 2744 or simply click the contact us button at the top of this page.

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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The service & help we recieved from Michael was outstanding. Thank you for your help and honesty
Jason Lewis & Lisa Watson, Bribie Island, QLD
- Refinancer

As always Michael was very informative & helpful in all aspects of our loan. This was the 2nd time using Mortgage Choice & I would definitely use them again. Thanks
Drew & Belinda Argus, Rothwell, QLD
- Refinancer

I have used Mortgage Choice 3 times now and they have helped me and my family sort out and get the things we have wanted every time.
Michael was very helpful and made sure that our loan was exactly what it needed to be.
Amir & Begzada Bolic, Kippa-Ring, QLD
- Refinancer

Michael is very organized, prompt and lovely to deal with. We trust him to get us the best deal for us and wouldn't go anywhere else.
Shannon & Kathy Carey, Ocean View, QLD
- Refinancer

This is the second time we have used Michael, he's efficient and professional on every level and I would HIGHLY recommend him.
Evan & Jess Chia, Scarborough, QLD
- Refinancer

Great service, very personalized.
Couldn't of done it without you, our dreams will finally come true.
Dirk & Deana Wagner, Burpengary, QLD
- Refinancer

Overall from start to finish, outstanding service.
Attention to detail to my needs was second to none.
Brad & Marissa East, Murrumba Downs, QLD
- Refinancer

Could not find fault with any aspect of your service.
Gordon & Theresa P, Narangba, QLD
- First Home Buyer

Always professional service from Michael. Our second time using his services and will continue to use him for any future financial decisions
J & A Walter, Kallangur, QLD
- Refinancer

Thank you so much for your ongoing support with our finances.
R & S O'Shea, Clontarf, QLD
- Refinancer

We've been with Michael and his team at Mortgage Choice for years and wouldn't consider anyone else for advice on our mortgage.
Superior service
Sandra & Regina, Bridgeman Downs, QLD
- Refinancer

Michael & Lauren kept us informed right through the process and took away the pressure of applying for a new mortgage. Thank you both.
Robin & Julie Berry, Bellmere, QLD
- Refinancer

Using Mortgage Choice was the best decision we made and have recommended Mortgage Choice to all of our friends.
Adam McGraw & Toby Jenkins, Scarborough, QLD
- Property Investor

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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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Your award-winning local mortgage broker and home loan specialist in Kallangur & Brisbane North Qld. Enjoy a positive loan experience with Michael's expert advice, knowledge and customer satisfaction.

Kallangur

Enjoy a positive loan experience during COVID-19

We go the extra mile for you

We can find the right home loan at no cost to you

Discover the difference

The right home loan for your needs

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