Shiva Karan Mortgage Broker in Upper Coomera, Helensvale, Gold Coast & Surrounds

Call: 0449 831 783

Shiva Karan is committed to understanding his clients’ objectives and helping them achieve those by finding the right loan solution. He expertly guides his clients through the borrowing process step by step – from providing clear lending advice, helping them work through the documentation, and keeping them updated on progress. Shiva services the Gold Coast, and regularly travels to Brisbane, Sydney and Melbourne to assist interstate clients.

Call Us Mortgage Choice Upper Coomera
Office - 0449 831 783

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

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Services

With access to a broad range of loan products and structures, and the ability to negotiate a competitive solution based on each individual customers’ needs, Shiva can help you realise your long-term goals.

Home loans
Investment loans
Refinance loans
Construction loans
Commercial property finance
Business loans
SMSF loans
Bridging loans
Personal Loans
Car and asset finance
Business equipment finance
Loan protection insurance

Other areas I service

Efficient, reliable, and focused on adding value to your entire loan experience. Based in Coomera, Shiva offers a mobile service across the entire Gold Coast region, and regularly travels to Brisbane, Sydney and Melbourne to assist interstate clients.

Upper Coomera
Gold Coast
Brisbane
Pimpama
Tweed
Ormeau
Brisbane City
Coomera
Helensvale
Southport
Yatala
Beenleigh
Hope Island
The Gap
Mt Gravatt
Logan

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Upper Coomera, Helensvale, Gold Coast 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 Shiva 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 Shiva today on 0449 831 783

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

Shiva and his team are fantastic in finding the best home loan for you
I had an end to end support from the team especially Shiva who will assure that their clients are taken good care of My loan was approved in record time and no back and forths at all Thanks Shiva

Ashwinii
30 October 2023

Would highly recommend Shiva to friends, family and the wider community- trustworthy, honest and reliable at all times.

His expertise and professionalism is unmatched

Nayani
12 February 2023

Great service and had a delightful experience - will highly recommend to friends and family

Ravi
12 February 2023

Shiva provides outstanding service which makes the whole process seamless

Kalindi
07 February 2023

Shiva is a great person to have on your side.
Any time you speak with him you are left with a feeling that he cares about you. Well, I know that he does.
He has been our broker now for over 2 and a half years.
He is hardworking and totally authentic
I recommend him to anyone

John
02 February 2023

Shiva and Josie are the best brokers I have a ever come across. They have not only given me good advice and guidance on my financial planning but also helped me get my home loan seamlessly. I highly recommend them to everyone.

Manish
01 February 2023

Shiva is a dedicated professional who works hard to get your application across the line. He is down to earth and friendly yet maintains ethical and professional standards in his work. His knowledge is unparalleled. Shiva kept me updated throughout my application process and worked out innovative ways to get the best possible outcome for me. I would highly recommend Shiva to anyone looking for a mortgage broker who will deliver results with a personal touch.

Navina
01 February 2023

Shiva has provided excellent service on time and very satisfied with his service and strongly recommends to use his services. Thank you so much Shiva and looking forward for further services if we need in future. Keep it up.

Hema
01 February 2023

Shiva did all possible to get me the best options. Refinancing multi mortgages additional investment loans.

janet
31 January 2023

Excellent communication and very honest and helpful. Best broker Ive ever dealt with.

Shamant
31 January 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

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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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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.