Mortgage Choice, Albany Creek.

Call: 0493 973 729

Need help with home loans, refinancing, property investment loans, car loans, or construction loans?

Talk to one of the team members or make an appointment today.

Let Troy and his team compare over 30 different lenders to find you the right home loan - at NO COST to you

Call Us Mortgage Choice Albany Creek
Mobile - 0493 973 729
Office - 0493 973 729

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

Address

1/715 Albany Creek Road ALBANY CREEK, QLD 4035

Latest home loan interest rates

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Mortgage Choice Albany Creek

As a Mortgage Choice broker servicing the Albany Creek area, the team at Mortgage Choice Albany Creek can give you a competitive edge with expert advice and tips to ensure you are as prepared as possible through the purchasing process.

As your mortgage broker we can:

Help you organise pre-approval
Advice on how to get your first loan
Help you discover your borrowing power
Provide you with some tips about the home loan market and
Find the most suitable home loan for your needs.

If you're ready to proceed with choosing a home loan for your lifestyle, then get in touch with Troy this week.

Contact Troy today!

Wide panel of lenders

Our team of mortgage brokers work with a wide range of lenders including banks, credit unions and building societies. This allows us to have access to hundreds of loan options, ensuring that you find the one that is most suitable to your situation.

Our mission is to find the right home loan for your individual needs and to always have your best interests at heart. If you're ready to speak with a home loan expert to organise your home loan, touch base with Troy this week.

Contact Troy today!

If you're ready to book an appointment this week, give Troy a call on 07 35237001.

We can also help you with:

Fixed vs Variable interest rates

Deciding whether you should fix your home loan or keep it variable? Learn about the pros and cons of each in our short video!

Of course, if you have any questions, don't hesitate to contact Troy - your local Mortgage Broker.

Contact Troy today!

Start your property journey with our free guides!

Our property guides provide further information which may assist you with your home loan, no matter if it's for your first home or for an investment property.

Download our guides now!

To start the conversation, reach out to your Mortgage Choice Albany Creek on 07 35237001.

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

Troy and his team have been fantastic in helping us secure the most competitive finance options where others failed. It has been an absolute delight working with him, and we have already decided to continue working with him for our future portfolio needs. We highly recommend Troy and his team to anyone looking for a knowledgeable, efficient, and result-driven team.

King
23 April 2024

Cannot thank Troy and his team enough for all the support that was provided throughout our home buying experience From our initial getting an idea chat to answering all of our in between question and closing out the deal, he was an absolute dream to work with Super grateful to have had his support Thanks again

23 April 2024

Troy made the entire process easy, he has been very approachable and helpful with great communication. Highly recommend others to utilise his expertise and we've have told our friends the same

28 November 2023

Troy and his team were amazing during the home loan process, helping us navigate the process of buying our first home. We can't rate Troy and his team highly enough

Elliot
28 November 2023

Troy went above and beyond to find the right product for me in a very tight timeframe. He was always available to discuss things when I needed

Steve
26 November 2023

Troy was very professional throughout the entire process of finding a loan to suit my needs. But more importantly, he was very down to earth and approachable with any questions I had to ask. He was always very prompt and kept me updated on the progress of my application with every stage. I highly recommend Troy and his team.

Shane
21 October 2023

Second time dealing with Mortgage Choice and its always smooth, no pressure and plenty of communication, every step of the process is clearly explained and tailored to your needs and requests. Thanks Team.

Ash
22 September 2023

Thank you Troy hose for your assistance throughout the loan process. I will certainly recommend your services to anyone I know who needs a mortgage. Its been a pleasure working with you.

Aks
22 February 2023

Thank you Troy hose for your assistance throughout the loan process. I will certainly recommend your services to anyone I know who needs a mortgage..

Aks
21 February 2023

Troy and the team helped me navigate through a somewhat complicated refinance and investment property purchase. Thanks to Troys tenacity and perseverance as a strategic mortgage broker, he was able to find me some great deals with the banks. He literally lost sleep enduring all my needs and desires were met. Thank you again Mortgage Choice, Troy, Hayley and Vicki.

Delilah
16 February 2023

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

Download now

Help me calculate

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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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You could borrow up to

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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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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.