Award winning Mortgage Brokers and Financial Advisers in Bundaberg and surrounding areas.

Call: 07 4153 3311

Looking for help with your home loan or need an experienced Mortgage Broker to help you achieve your property dreams? Ask your mortgage brokers in Bundaberg, we can help you find the best home loan for your needs. Book your free appointment today.

Call Us Mortgage Choice Bundaberg
Office - 07 4153 3311

Open Hours Mortgage Choice Bundaberg
8:30am to 5:00pm Monday to Friday
After hour appointments available by request
Free Appointment

Address

143 Bourbong Street BUNDABERG, QLD 4670

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

AT MORTGAGE CHOICE IN BUNDABERG WE BELIEVE WE GIVE YOU MORE THAN JUST A HOME LOAN...

Each year our team at Mortgage Choice in Bundaberg help hundreds of locals to find the most competitive home loan and financial solutions to better their lives.

The Mortgage Choice Franchise has been around since 2004. In July 2021 the ownership changed hands. Mortgage Choice Bundaberg is now in partnership with Mortgage Choice Gladstone.

We are home to the best of the best, with a team of experienced mortgage brokers and financial advisors who have decades worth of experience and can offer expert advice to guide you on the right path to financial success.

Come meet us in Bourbong Street...

One meeting can change your life for the better. Call us to book your obligation free appointment or simply submit our contact us form and we will contact you ASAP. We look forward to working with you!

WE WANT TO BE YOUR TRUSTED FINANCIAL PARTNER IN ALL THINGS FINANCE!

At Mortgage Choice in Bundaberg our clients are like our family and for our family we always guarantee:

World class customer service
Honest and regular communication
Time to listen to your situation and goals while ALWAYS putting your needs first
Experience that you can rely on to help put you in a better financial situation

With us, you become a customer for life - so you can trust that we are always working hard for you and your finances.

To arrange an appointment at a time that is convenient for you, give Mortgage Choice Bundaberg a call on (07) 4153 3311 or email admin.bundaberg@mortgagechoice.com.au

At Mortgage Choice in Bundaberg, our expert team of brokers can help and advise you on all aspects of finance including:

First home buyer home loans – as well as the First Home Owners Grant

Free Home Loan Health Checks/Reviews

Property investment loans

Construction loans

Refinance home loans

Renovation loans

We offer more than just home loans; we can also help you with:

Business loans

Car loans

Investments & Debt management

Asset & Equipment finance

HOW MORTGAGE CHOICE IN BUNDABERG DO IT BETTER

Our expert advice is free

Mortgage Choice brokers offer home loan services at no cost to you - we get paid by the lenders.

More choice to find the right home loan

With over 20 lenders on our panel, we have access to hundreds of different home loan products and features to suit any need. Better yet, we will research and compare the hundreds of home loans in the market to find the best and most competitive home loan for you.

We take care of all the legwork

Our team of experienced brokers will research your options, lodge the paperwork on your behalf and keep you updated every step of the way. We do all the running around on your behalf to make your home loan journey simple and stress free.

Let's get started - Call Mortgage Choice Bundaberg on (07) 4153 3311. You can also have a look at our Mortgage Calculators for additional information. We look forward to meeting you.

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

Peter Glover has the magic touch He was so hands on throughout the whole affair. My fiancé appreciated his attention to detail and how willing he was to bend over backwards and go the extra mile After a few push backs with the lender Peter came through.

Katrina
29 February 2024

Highly recommend - Peter was fantastic and really made our experience buying our first home stress-free. He took the time to explain things to us and answer any questions we had so we knew what all of our options were. If he wasn't available then the other folks in the office were equally helpful. Thanks again

Rebecca
21 February 2024

Highly recommend seeing Tyler from Mortgage Choice. Made buying our first home easy and had the answers to all our questions.

Bailey
31 January 2024

I can not recommend Mortgage Choice enough in particular Peter. He made our first home buying experience so easy and stress-free. We ask way too many question but he was always so helpful and available when we needed.

Lisa
17 November 2023

I cannot recommend Peter Glover highly enough for his mortgage advice and for finding the best interest rates Thank you Peter you saved us a lot of money

Martel
25 September 2023

Highly recommend Mortgage Choice Bundaberg. Our experience with refinancing couldn't have been more easy. Great communication and genuine good service from Peter Glover. Happy customers

Sarah
26 March 2023

I was so pleased with the quality of work and efficiency of Tyler and his team that we used Mortgage Choice Bundaberg for multiple finance transactions. The whole team made the process smooth and easy to understand and Tyler himself has a kind, trust worthy demeanor that translated into a stress free process. Couldn't recommend highly enough.

hayley
02 June 2022

Tyler made everything so easy to understand and Nat was so helpful when our first house contract fell through and we had to make adjustments. So glad I had their help to deal with the stress of upgrading to our new home.

Melanie - December 2021
07 January 2022

Tyler went above and beyond to get a home loan for my husband and I. Nothing was ever too much for him and he was always available to answer any questions we had. Tyler made the whole loan process from finance to settlement a breeze, I would 100 percent recommend Tyler and his team to anyone. Thank you all so much.

Kellie - October 2021
07 January 2022

Highly recommend Tyler and his team. Nothing was too much trouble for them. He got us a fabulous deal on our home loan. He was down to earth and just an absolute pleasure to deal with. We will be going back to him for all of our future loan requirements.

Mel - July 2021
07 January 2022

Refinancing guide

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

Download now

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

PAYG Self Employed

My monthly income before tax

Rental income

My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

Calculate

You could borrow up to

Repayments
/ month
Expenses
Remaining

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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

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

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
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

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

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.