Your expert mortgage brokers for Stafford and Inner North East Brisbane suburbs

Call: 0414 408 535

Looking for a home loan? Talk to Gary Rowe at Mortgage Choice Stafford. Your local mortgage broker from Mortgage Choice in Stafford and Ashgrove, Brisbane, QLD. Let us research and compare over 35 lenders for you.

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

Open Hours Mortgage Choice Ashgrove
Anytime by appointment
Free Appointment

Mobile Broker

We are a mobile service and can come to you in Stafford and the surrounding suburbs.

Mortgage Choice Stafford and Inner North East Brisbane Suburbs

This is what we do:

Your home loan process doesn’t need to be stressful - Stuart Pullar and his team can organise all the details and simplify the jargon so you understand what decision you are making, and that you are making the right one.

Mortgage Choice Stafford is here to advise and assist you in the decisions you should take when you apply for a home loan, or refinance, or invest, among other services. We are here to guide you through the hundreds of options available to you so that the right decision can be achieved for you.

Also, as your local mortgage brokers, we can negotiate with the banks for lower rates, which means there are some things that are much more difficult for you to do on your own than if you ask us to help you.

We are here to help you. When you present your finance needs to us we can solve it quickly and with the right result. The decisions that you make through the home loan process are critically important, so with our expert advice you can be confident that everything will be clearly laid out for you, and that nothing is missing when reaching your finance decision.

The finance services we specialise in are:

Home and Investment Lending
Refinance and Equity Draw
First Home Buyers
Car Loans
Personal Loans
Equipment Finance
Commercial Lending
Credit Impairment

There are other financial services that we also provide, so if you have a finance query about something not on the above list give us a ring or just pop by our office.

We recommend that you give yourself about 3 months (at least) to process a loan application or plan finance. That gives you the time to work out the correct agreement and do it at a stress-free pace.
However, it is never too early to see your local mortgage broker. We are happy to assist you irrespective of the stage you are at in the home loan process, or the circumstances you are in.
We have a panel of over 35 different lenders - so you will have over 400 choices when comparing your home loan options. We are positive that one of those options will suit your need.

Contact Me:

Give me a ring to arrange a FREE consultation. I will come and see you at a time and place that suits your busy schedule or meet with you in our office, located in Ashgrove. You can also email me or click the Contact Us button at the top of this page.

Email: stuart.pullar@mortgagechoice.com.au
Mobile: 0414 408 535

I will be happy to answer all your questions.

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

Several of my friends recommended that I use Mortgage Choice to help choose my home loan provider and I was not disappointed.

They were friendly, provided me with great advice and kept me in the loop with my home loan application. Even after the loan was approved and I had moved in they still kept in contact to see how I was going in my new home.

I would recommend them to anyone looking for a loan.

Hayley McIver
16 December 2017

Great service all round - thanks Stuart and team!

Leith Morriss
16 December 2017

The service of everybody at the Ashgrove office has been outstanding from beginning to end. We had all of the options available to us clearly explained and were helped to select the most appropriate for our needs. Having made our decision, our application to re-mortgage was followed through to completion, with communication being faultless the whole time.

We will certainly be referring to the Ashgrov... read more

Paul and Carol Hope
16 December 2017

I was very happy with the services :)

I would use your services again and would recommend to family and friends.

Sam Hutchinson
16 December 2017

Hi mortgage choice team

Thank you for your assistance in the refinancing of my property. You made it easy through phone and emails. It was a pleasure to deal with professionals like yourselves. Everything you said went to plan without a problem. I'm very impressed and happy with the service and would not hesitate in recommending you to friends family and colleagues.
Yours Dean Falzon

Dean Falzon
16 December 2017

We can't say enough positive things about doing business with this team. They have made things very easy for us taking all the stress out of the process, making things happen in an expeditious manner and being extremely friendly, helpful & understanding.

If you're looking for a loan, talk to this team first before doing anything!! We couldn't imagine ever going direct to banking institutions again. M... read more

Don and Jenny
16 December 2017

Very friendly service, went above and beyond what I expected. Would definitely recommend to anyone.

Merran Doyle
16 December 2017

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.

Download now

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You could borrow up to

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Based on standard variable rate over years.

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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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Total fees:

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Need help with your next home purchase?

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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