Stuart Pullar - Mortgage Broker in Ashgrove, The Gap, Bardon, Brisbane & surrounds

Call: 0414 408 535

The home lending team at Mortgage Choice in Ashgrove can help you find the home loan, car loan or other finance that best meets your needs.

Save time, get advice and book your free no-obligation appointment with us today.

Call Us Mortgage Choice Ashgrove
Mobile - 0414 408 535
Office - 07 3463 0500
Fax - 07 3463 0509

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

Address

Unit 3, 229 Waterworks Road ASHGROVE, QLD 4060

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Start your home loan journey today

Mortgage Choice Ashgrove Utilising all our professional and finance experience, we focus on providing the best possible services for our clients in Ashgrove, Bardon, The Gap, the Brisbane CBD and other surrounding areas.

We take the hassle out of finding the right loan

Our job is all about financial problem solving; We have access to over 35 different lenders, including the big 4 banks. Using our knowledge and expertise we will find the right loan to meet your needs at NO COST to you.

Check out our Google reviews, Facebook reviews, and our Web Site reviews.

Our service is what set's us apart!

Stress-Free Service

We do the hard work for you and find the most suitable solution to meet your needs.

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What we can do for you

Home Loans Investment
Loans Refinancing Personal
Loans Car Loans Equipment Finance
and Loans Commercial Finance
Debt Consolidation

What is your borrowing power?

When you're ready to purchase your property, it's important to have a good understanding of how much you can borrow. We know that finding out how much you can borrow for a property can be a bit confusing, which is why we have some great resources at your disposal.

Feel free to check out our easy to use home loan calculators here or get in touch with us to discuss your unique situation.

Call us today on 0414 408 535 or

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

Stuart and his team at Mortgage Choice Ashgrove were a pleasure to work with during the entire financing process. Not only was he friendly and approachable, the professional guidance he provided was comprehensive and thorough. I cannot recommend Stuart more highly.
Pete
02 March 2023

The team at Mortgage Choice Ashgrove were unbelievably helpful throughout the processes of purchasing my first property. Stuart, Matthew and Sandra were all so clear with explaining the whole process were more than happy to answer any questions I had. Would 100 go with them again. Cannot fault them
Anais
15 February 2023

Stuart and Matt were great to deal with. They were very helpful and patient with and made us feel very comfortable.
Nathaniel
12 February 2023

Stuart and his team were extremely patient and helpful in finding a product that worked for me despite my unique personal circumstances. Highly recommend for both finance and refinancing.
phoebe
19 January 2023

Our little family recently just purchased our first home using Mortgage Choice Ashgrove. Not having much knowledge on how a sale of a house works and the process involved I never felt in doubt using these guys. They had our backs throughout the entire process from pre-approval to settlement and for the entirety of our mortgage. They could schedule meetings at the drop of a hat and I loved that they h... read more
Ben
12 January 2023

My husband and I have been using Mortgage Choice Ashgrove for many years. Stuart and his team sorted all our finances to make another house purchase when me decided to relocate interstate, however it gets better, hows this for customer service, receiving an email to say the team have completed a health check on our variable loan and negotiated a better interest rate from the lender on our behalf, to... read more
Sarah
11 January 2023

Thank you Stuart. You provided us with great information and your expertise was really appreciated .
SAM
24 October 2022

Stuart, Matt and Gary at Mortgage Choice have worked miracles for us in turning around pre-approval in record time to allow us to bid and secure our dream home at auction. The finalisation of the mortgages 4 in total including 3 refinancing investment and a new owner occupier was seamlessly complete within one week. Can't thank them enough for their professionalism and efficiency.
Tim
30 September 2022

We had a complex re-financing situation, and were on holidays off grid during most of the transaction.

Gemma handled it professionally and personally - Id highly recommend her and Stuart Pullar from Mortgage Choice Ashgrove.
Brian
28 September 2022

Fast, friendly and made the process so easy
Jannine
15 September 2022

Step-by-step guide to home ownership

There are many steps involved in purchasing a property which can vary between residential and investment properties. This guide explains each step in order as well as what is involved at every stage of the purchasing process.

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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 $650,000.

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.

Stuart Pullar - Mortgage Broker in Ashgrove, The Gap, Bardon, Brisbane & surrounds

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