Teresa Harrison & Deborah Packard Mortgage Brokers in Woodford, Beerwah, Kilcoy, Wamuran, Delaneys Creek, Glasshouse Mountains, Landsborough, Mooloolah and surrounding areas

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Call: 07 5422 9458

Teresa,and Deborah are highly experienced and knowledgeable mortgage brokers who have a passion for helping people. With a variety of backgrounds across banking and finance, this team can assist with all your lending needs. Dedicated to delivering an outstanding customer service every time, they strive to help their clients build a better financial future.

Call Us Mortgage Choice Woodford
Office - 07 5422 9458

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

Address

89 Archer Street WOODFORD, QLD 4514

Latest home loan interest rates

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Services

Clear, realistic, informed advice delivered with a long-term focus and a caring approach; backed by the industry expertise to find competitive loan options that are the right fit for your current and future circumstances.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Reverse mortgages (Referred to third party)
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)

MFAA Certified 15+ Years Broking Experience

Other areas we service

As an award-winning, talented team, we’re ready to assist our clients with everything from personal loans (secured and unsecured) right through to complex deals involving family trusts.

We offer a mobile service across:

Woodford
Kilcoy
Beerwah
Sunshine Coast & Hinterlands
North Brisbane

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Woodford, Beerwah, Kilcoy, Wamuran, Delaneys Creek, Glasshouse Mountains, Landsborough, Mooloolah 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 us 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 us today on 0754229458

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

Everyone was extremely helpful throughout the refinancing process

Jake
14 April 2024

Teresa helped us to get our home loan and made the process so easy. We highly recommend.

Dan
11 April 2024

The Team at Mortgage choice go above and beyond and make the whole process stress free. Recommend to everyone

Bree
02 April 2024

We have dealt with Teresa on more than one occasion and have always received excellent service, understanding and a lot of patience, no question, no matter how menial it may seem it is always treated with the highest regard and for that we thank you. To Kate who is Teresa's right-hand woman, many thanks to you, your wonderful. Thank you also for providing the same service and patience that we have always received by Teresa's office. We highly recommend Teresa and her team.

Leanne
20 March 2024

Highly recommend, thank you Deb for ensuring my Mortgage application was seamless and stress free.

Kylie
18 March 2024

A huge thanks to Teresa, Kate and Deb - you have been extremely helpful, friendly, very professional and with excellent advice and assistance with our home loan - highly recommended - couldn't ask for better service Thank you so much, Mark Kath.

14 March 2024

Literally made magic happen for us with our home loan. If there was 10 stars as an option, I would give it.

Sasha
13 February 2024

Teresa and the team are the epitome of customer service excellence. Fast response time, friendly and engaging and provide professional support.

Kate
21 January 2024

My wife and I are so grateful for the team at Mortgage Choice, especially Deb She has helped us every step of the way in getting our first house, she answered questions and explained information to us on things we didn't understand without it ever being an issue. We really appreciate Deb and her hard work in getting us a home.

Brodie
15 January 2024

Deb the team at Mortgage Choice were amazing. They were very patient with us as first home buyers and more than willing to explain even simple things to us. Couldn't recommend them more

Daniel
15 January 2024

Easy to work with
Keeps in contact
Very friendly lady
Would recommend

Blake
10 September 2022

Jessi was amazing to deal with, great communication and timeline. Highly recommend.

Sallyanne
27 June 2022

Jessi was absolutely amazing

Jessica
15 June 2022

Excellent as usual, the ladies at Woodford are great and answer all our queries ASAP!

Karen
28 March 2022

Jessi was absolutely amazing!

Jessica
17 March 2022

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

Repayments
/ month
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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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You may borrow up to

Value of property

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Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

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Total interest charged:

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.

Value of property

State

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First Home Buyer?

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Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
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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.