Zoe Courtney

Mortgage Broker and Home Loan Specialist for Palm Beach, Coolangatta, Elanora, Currumbin, Tugan, Tweed and surrounds.

Call: 0433 600 447

Looking for help with your Home Loan or need a reliable Mortgage Broker to help achieve your dreams at NO COST to you?

Talk to us at Mortgage Choice Coolangatta, your local Mortgage Brokers and Home Loan specialists for Refinancing, Investment Loans, Construction Loans and much more.

Call Us Mortgage Choice Burleigh Heads
Office - 0433 600 447

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

AFTER HOURS APPOINTMENTS MONDAY, TUESDAY, WEDNESDAY & THURSDAY NIGHTS!

Providing our clients with an authentic and transparent approach to their individual lending needs.

Whether that is looking to buy your first home, refinance, buy an investment property, upgrade the home you have now or even finance that new car purchase, the team at Mortgage Choice are ready to guide you through every stage of these important decisions.

Our background extends across both consumer and SME markets with the additional advantage of several years of international finance experience that we leverage for our local client partners.

Our mission is to create a personalised service to every client that we have. This begins with creating a strong foundation of trust through a considered approach to knowing who you are, what your goals are and how best we can help you achieve your dreams.

We service the entire Southern Gold Coast from Palm Beach including Elanora, Currumbin, Currumbin Waters, Currumbin Valley, Tugan, Bilinga and extending into Tweed Heads, Terranora, Chinderah, Fingal and Banora Point.

MONDAY to FRIDAY 9.00AM - 5.00PM (AFTER HOURS BY APPOINTMENT)

Why engage with us at Mortgage Choice Southern Gold Coast & Northern NSW?

Because we make it SIMPLE for our clients and do all of the work for you!

We are highly experience commercial professionals
We have extensive financial qualifications
We have proven processes to deliver on our promises

The foundation of our business is in creating trust by removing the confusion surrounding the process and options available.

We also consider ourselves more like Mortgage Managers and not simply Brokers. This is not just a transaction for us. We are engaging in what could possibly be a 30 year relationship, so we make sure that we provide a structure to check in with you annually to make sure that your credit facility is still market competitive and meeting with your present requirements.

We do this through a considered approach that leverages experience, time and effective communication.

We are also here to answer any questions that you have throughout the journey... FREE OF CHARGE for our valued clients.

Our business is based on positive client referrals...so its not just transactional, its about creating lasting impressions and positive client experiences every time!

Benefits to working with us…

We provide a proven hassle-free process where we do all the hard work for you
Our service is based on creating trust and the longevity of successful client relationships
Our advice is provided at NO COST to you

Helpful Guides:

First Home Buyer's Guide...Click Here
Step-by-Step Home Ownership Guide...Click Here
Upgrading Your Home Guide...Click Here
Refinancing Guide...Click Here

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. ~

Google Reviews

See all Google reviews

Had a great experience working with Adam. He was very helpful, prompt and provided us a seamless process in what can be very daunting. Will definitely be using his services again for our next home and recommending him to friends and family. Thank you Adam for always answering my 1001 questions in laymans terms! Also, thank you for coming by to our house for us to sign paperwork when we couldn't make it to you during business hours.
Eva, Bilinga, QLD
- Upgrader

What a great young man, never stammered at my 72 years of age. Systematically gathered all factual information, found me a lender and acquired the loan. I might add Adam worked very hard but never lost sight of a few safety margins to ensure that I would not be caught down the line. I cannot recommend this man highly enough. Great job Adam.
Graham, Coolangatta, QLD
- Property Investor

Highly recommend Adam. Outstanding service from first meeting to settlement. Adam is highly professional, efficient and prompt in his service. He has made the process incredibly easy and we will most certainly work with Adam and Mortgage Choice in the future!
Lara, Elanora, QLD
- Refinancer

Thorough professional, I simply would not have had obtained my desired loan if not for Adam, highly recommended.
Andre, Coolangatta, QLD
- First Home Buyer

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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 $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.

Stamp duty concessions

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.

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 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.

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.

State / Territorial Revenue Web Sites

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Mortgage Broker and Home Loan Specialist for Palm Beach, Coolangatta, Elanora, Currumbin, Tugan, Tweed and surrounds.

Why engage with us at Mortgage Choice Southern Gold Coast & Northern NSW?

Our business is based on positive client referrals...so its not just transactional, its about creating lasting impressions and positive client experiences every time!

Benefits to working with us…

Helpful Guides:

The right home loan for your needs

Google Reviews

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Help me calculate

2nd Applicant

Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

State / Territorial Revenue Web Sites

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