Rachael Baker
22 Feb 2022
Gary and Matthew were both excellent in navigating our mortgage refinance. Very punctual with updates and ensuring we were getting the best interest rate. Would highly recommend...
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!
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
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. ~
22 Feb 2022
Gary and Matthew were both excellent in navigating our mortgage refinance. Very punctual with updates and ensuring we were getting the best interest rate. Would highly recommend...
18 Feb 2022
I am a first time home buyer, and was depending on the FHG for single parents. I knew nothing about how to go about buying my first home and securing finance in Australia. And o...
21 Dec 2021
Buying my first home was a stressful and overwhelming experience but the team at Mortgage Choice Ashgrove were absolutely amazing with explaining each step in depth! Their commu...
17 Nov 2021
Excellent service
05 Nov 2021
Stuart from Mortgage choice was recommended to me by a friend and did not disappoint. He was extremely helpful with the process of finding me the right home loan and answered al...
03 Nov 2021
Gary was incredibly professional efficient and knowledgeable and made the whole loan process easy. Gary made us feel comfortable and has a great communication style that ensure...
03 Nov 2021
STURT
29 Oct 2021
Stuart and his team have backed us through our long journey of refinancing and building a whole new dwelling on out existing property. There were so many ups and downs and he ne...
11 Oct 2021
We can't recommend Stuart and his team highly enough! Stuart helped us secure an excellent rate in a very fast moving market and was responsive and communicative throughout the...
08 Sep 2021
Stuart and Gemma listened to our needs, provided excellent advice and led us through the whole process from application to settlement. We’ve had a great outcome and I would hig...
21 Aug 2021
Stuart and the team were really helpful with figuring out the right loan for us. They made the entire process seem so easy and stress free. Really happy we went with Stuart for...
06 Aug 2021
Stuart and Gemma recently assisted us with the refinancing of multiple loans. We were pleased with the outcome and the refinancing process. Stuart understood our requirements, r...
07 Jul 2021
We have used Mortgage Choice Ashgrove for the past 8 years now by way of purchasing property or refinancing our home loans. We are always provided with exceptional customer ser...
05 Jul 2021
Stuart was extremely helpful in finding me a home loan that was suitable for my specific needs. He handled everything in a time efficient manner, and worked hard to get me a gre...
02 Jul 2021
Stuart organised an initial refinance with minimal reward for his business. Great customer service and will definitely use again.
16 Jun 2021
Gary helped me find my first home with ease and experience. He was with me every step of the way and was fast and effective. No question was too silly! Thanks Gary!
03 Jun 2021
Superb Service! Gary is a wonderful agent. He is highly professional and knowledgeable, as well as friendly and easy going. His service was above and beyond, he was always ready...
02 Jun 2021
Gary has been tremendously helpful assisting us with our first ever house and land purchase. His product knowledge and responsiveness has been second to none. It made the entire...
06 May 2021
Gary was absolutely amazing at helping me with the mortgage loan process. I’m a first home buyer so had little knowledge of the buying/borrowing process and Gary helped me immen...
24 Apr 2021
Stuart and the team were really helpful and responsive, making the whole process pretty easy! Happy to recommend Mortgage Choice Ashgrove.
22 Apr 2021
I personally found arranging a loan can be a nerve wracking and very stressful experience, there is always the concern that the loan will not be approved and subsequently you ca...
12 Apr 2021
Stuart is very knowledgeable and communicates in a frank and candid manner. He presented us with options and guided us to make the best decisions for our situation.
02 Apr 2021
I wanted to refinance my home loan & chose the most convenient mortgage brokers to me. From the very first meeting, I knew I had by pure chance, landed myself a broker who was k...
18 Mar 2021
Can't speak highly enough of Gary and his team. They were just great to do business with and we will definitely be using them in the future.
01 Mar 2021
What fantastic service! The guys at Mortgage Choice Ashgrove are so knowledgeable and take all of the stress out of buying a house. From helping you select the most suitable mor...
28 Feb 2021
Highly experienced and dedicated team who provides informative and high quality service. Having engaged with Stuart and his team on multiple property purchases over the years,...
20 Feb 2021
Gary at Ashgrove supported me throughout the process. He responded quickly to any questions I had and went out of his way to make the experience as easy and stress free as possi...
11 Feb 2021
Stuart and the Team have been our broker of choice for many years now. They've helped us create strategies and structures that align with not only our own home but investment a...
22 Dec 2020
Gary helped us every step of the way to purchase our home, he was always available and happy to answer our many questions, he’s extremely knowledgeable and professional. We woul...
14 Dec 2020
We were very happy with the professional and knowledgeable support provided by Gary throughout our property purchase. He was patient and thorough, and committed to achieving the...
04 Dec 2020
We have used Gary and Stuart for two property purchases and a remortgage. They have always been quick to respond, explain the process and find great options to suit our needs....
27 Nov 2020
We’ve engaged Stuart and his team multiple times and each experience has been fantastic.
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
Based on standard variable rate over years.
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Need help with your next home purchase?
Talk to a brokerFrom 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.
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
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.
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.
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.
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 $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.
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.
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).
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.
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.
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.
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.
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.