Peter Thomas

Your Local Mortgage Broker and Home Loan Specialist servicing Ormeau, Eagleby, Jimboomba and surrounds

Call: 07 5593 6642

Peter and Amanda Thomas specialise in refinancing, first home buyers, investment & asset finance.

Call Us Mortgage Choice Helensvale
Office - 07 5593 6642
Fax - 07 5593 6652

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

Our top 5 lowest interest rates available

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Variable rates

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Interest Rate*

Comparison Rate

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Comparison Rate

Credit criteria, conditions, fees and charges apply. Subject to suitability. The comparison rates in this table are based on a loan amount of $150,000 and a term of 25 years. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

Start your home loan journey today

Areas we Service

If you are looking for assistance with any mortgage requirements in Ormeau, Eagleby, Jimboomba, Marsden, Crestmead, Mount Tamborine, Eagle Heights, Beenleigh, Greenbank, Boronia Heights, Waterford West, Mount Warren Park, Edens Landing, Bethania, Waterford, Tamborine, Logan Village, New Beith, Yatala, Windaroo, Jacobs Well and surrounding suburbs, please give us a call.

Having bought and sold numerous properties ourselves over the years, we understand the stress involved and how important it is to get the home loan that is right for you.

Our mission

Our mission is to work with you, to ensure you gain the home loan product best suited to your needs and provide a complete and seamless service, by managing each step of the process from initial enquiry to beyond the completion of sale.

Whatever your mortgage requirements, we have them covered, including:

Buying your first home
Upgrading to your next home
Investing in property
Home Equity Loans
Refinancing existing home loans
Top Up existing loans
Fixed vs Variable rate decisions
Personal Loans
Life and General Insurance
Commercial Lending
Equipment and Vehicle Leasing
Property Investment for Self Managed Superannuation Funds

We have hundreds of home loans, and other products available to you from our extensive panel of lenders. Not just the big banks, but also smaller lenders who may offer specialist home loan products.

As a Mortgage Choice Franchisee, we do not charge you for our home loan service.

Free RP Data Property Reports

We can also offer you free RP Data property reports, which can show you the sales history of a particular property, or the recent sales in a particular street, multiple streets or suburb. This can be an invaluable tool whether you are a first home buyer, upgrading, or investing.

So if you are ready to make the next move, just wanting to explore some options, or need to know how much deposit you need as a first home buyer, simply click on the contact us link at the top of the page, or call us today on 1300 030 609 to arrange an appointment at a time and place that suits you.

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

Hi Peter and Lindsey

I apologise it has taken me so long to get back to you to thank you very much for your wonderful and helpful service.
Every step of the way, you were there to guide me through when I had no idea what I was supposed to do.
Therefore, I would just like to offer the biggest thank you in all your support and advice which ensured a smooth transaction.
I will highly recommend you to... read more

Jenelle Brunning
16 December 2017

Hi Peter,

We received the ‘leftover’ funds today and have transferred the money to the various accounts to pay out the credit cards and personal loans that we were trying to consolidate.

It is such a relief to have this all behind us and we are now in a position where we can meet all our obligations without sinking further into debt! In fact, with this new arrangement we stand to have actual savings... read more

Daniel & Nicole O'Dwyer
16 December 2017

It's been an absolute pleasure dealing with Peter, a real gentleman, extremely professional, very helpful and encouraging. Excellent service, from both Peter and Lindsey, totally on the ball, made the whole process so easy and stress free for us. Outstanding service from Lindsey and Peter, not just because we received a successful outcome for our loan, but even if we hadn't, I can honestly say they do a g... read more

Gary and Gail Thomas
16 December 2017

From the moment we walked into the office and met Peter to the moment of settlement the service from peter and all of his team was faultless,we would not have any hesitation in recommending them to family or friends.

Gary and Catherine Finch
16 December 2017

Peter and Lindsey made the process of looking for a mortgage easy. It was a relief to know they were not working for a bank and were impartial to the process. We knew we were getting the best advice.

James and Stephanie Robertson
16 December 2017

We would like to thank Peter & Lindsey for all their support and assistance through our home buying experience. We found the mortgage choice team to be genuine, helpful and informative and we would recommend them to our family and friends. We would like to thank Peter as he always took the time to answer our many questions and made our home buying experience hassle free ad straight forward. With our bu... read more

M Brandes & E Rohde
16 December 2017

We are very happy with the advice and professionalism from Peter and Lindsey. We will definitely recommend them in the future.

D & S Qimaqima
16 December 2017

Peter provided us with a solution to purchase prior to selling ours. He was very prompt and knowledgeable with all his services provided to us. It was alot more personal to deal with a Broker like Peter than dealing with the Banks directly.

S Russell
16 December 2017

Great information and speedy return of feedback received. Thank you for making it so simple.

M & T Booth
16 December 2017

Everything ran smoothly. The regular phone calls and email communication answering my questions was great. It gave me the confidence that you guys knew what you were doing and that you care about your clients.

AM
16 December 2017

Property investor guide

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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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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.

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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 $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.

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