Mortgage Choice in Ashgrove | Stuart Pullar | Mortgage Broker

Mortgage Choice in Ashgrove | Home Loan & Financial Planning Experts

Call: 0414 408 535

The 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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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 20 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!

The Right Advice

We are paid the same commission regardless of which home loan you choose from our panel. Therefore the only thing that matters to us is the home loan that's right for you.

Stress Free Service

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

Call us today on 0414 408 535 or book online using the "Book an Appointment" button above.

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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

Financial Planning

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. ~

Google Reviews

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Stuart's help I was able to secure a great value loan on the property of my dreams. His expert knowledge of the finance industry meant he was able to overcome potential problems to find the best mortgage for me, quickly and easily too.
Belinda Davis, Wilston, QLD
- Upgrader

I would like to take this opportunity to thank you for the wonderful support and job you have done for us during our mortgage search. Stuart, you were more than helpful in answering all our questions even when they weren't part of your role. You were always quick to respond and call back and were always happy to help and most importantly, honest. We will definitely be referring you to any friends/family/colleagues that require your service.
Brad and Jade Carver, Rosewood, QLD
- First Home Buyer

We are extremely lucky to have found you. Thanks a million and all the best.
Bruce and Heather Ward, Alderley, QLD
- Refinancer

We just wanted to say thank you so much for giving up your Saturday afternoon to help us understand mortgages and lenders much better.

I feel that my many hours of research have paid off. Your advice and help today has made me feel confident that I was on the right track with my understanding of how things work!

We began our search in October 2011 but today is the first time I have felt excited about buying a property. Up to now it has been a chore, so thank you - you have definitely met your goal and made this process fun.
Jodie Shubert, The Gap, QLD
- First Home Buyer

I can't think of anything you could improve. I was really happy with everything from beginning to end.
Che Stapleton, Enoggera, QLD
- Refinancer

We are so happy with the service we will be recommending you to everyone. Thanks Again.
Kerry James and Andrew Lee, Red Hill, QLD
- Upgrader

Stuart was professional and very helpful, always following up quickly with any enquiries. Would use the service again for sure.
Stephen and Ros Ward, Oxley, QLD
- Upgrader

What can you improve on? Nothing. If it ain't broke, don't fix it!
Shaun Burke, Newstead, QLD
- Upgrader

Great service - Stuart went above and beyond, helping us choose the right loan and answering all our questions. Highly recommend.
Adam and Jenifer Golebiowski, The Gap, QLD
- First Home Buyer

Service was excellent throughout the entire process, right from the initial contact. The ongoing feedback and assistance was far and above what we expected and made the entire process of obtaining a loan for investing a very simple exercise. We were especially pleased at the full explanation of all options in plain English and having very detailed plans presented to us.
Don Noble, Parkwood, QLD
- Property Investor

Great service and got us a great mortgage deal, I can't believe why anyone would bother going to the banks themselves.
Son and Michele , Albion, QLD
- Upgrader

I was a little apprehensive - but I really didn't have sufficient time to shop around myself. The service was so good that using your brokerage service will now be my first port of call. It just saved so much time and I got a better deal than I could have arranged myself.
Tracey and Anthony, Brisbane , QLD
- Property Investor

Great - made it so easy. Better than any solicitor advice and guidance.
Joanne Lindsay, Keperra, QLD
- Refinancer

The service we were provided was exceptional. We were guided through the process and where we had questions, concerns they were immediately answered. The advice we were given help guide us through our property purchase.
Tim and Rachel, Mount Gravatt, QLD
- Upgrader

Very quick response, friendly and great customer care. I am thankful to Stuart Puller and his team from Ashgrove for their great support throughout my loan journey. I appreciate their ongoing support.
Best thing was they made my decision making easy.
Great team. I would use Mortgage choice Ashgrove again. I am more than happy to refer to friends and family.
Mohan and Divya, Springwood, 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.

Mortgage Choice in Ashgrove | Home Loan & Financial Planning Experts

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