Multi-award-winning team of Mortgage Brokers in Maroochydore on the Sunshine Coast

Call: 07 5430 0830

Looking for help with your Home Loan or need a reliable Mortgage Broker to help you achieve your property dreams? Mortgage Choice Maroochydore are your local Mortgage Brokers and Home Loans specialists. Recently awarded the top Broker for Mortgage Choice in Australia 2023!

Call Us Mortgage Choice Maroochydore
Office - 07 5430 0830
Fax - 07 5508 2204

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

Address

Shop 14, 21 Ocean St MAROOCHYDORE, QLD 4558

Are you looking to buy your first home, refinance, buy an investment property or even upgrade the home you have now? Or are you on the hunt for a reliable Mortgage Broker?

Look no further! The team at Mortgage Choice in Maroochydore on the Sunshine Coast are here to assist with your financial needs and goals. We service Maroochydore, Mooloolaba, Caloundra, Noosa, Buderim, Coolum, Peregian Beach and all surrounding suburbs on the Sunshine Coast.

As award winning Mortgage Brokers, our experienced team at Mortgage Choice in Maroochydore on the Sunshine Coast offer excellent advice, outstanding customer service and can provide the best deal across a range of services, including:

First Home Buyer Loans
Residential Home Loans
Investment Loans
Refinancing Loans
Contruction Loans
Commercial or Business Loans
Car Loans
Personal Loans
Equipment Finance
Debt Consolidation

At Mortgage Choice in Maroochydore we do all the hard work for you. By contacting us and spending a few minutes explaining what it is you are looking to do, your dream and how you wish to achieve it, as home loan specialists we begin our process.

As your Mortgage Broker we conduct all the research and find the most suitable home loans for your specific situation, at which point we then invite you to our Maroochydore office to sit with us and discuss your options in detail.

As your local Sunshine Coast Mortgage Broker and Home Loan Experts we will make the process easy, painless and hassle free by:

Taking the confusion out of the home loan process – providing you with professional financial and home loan advice
Completing all the paper work with you and submitting your application to your chosen lender on your behalf
Providing support and guidance throughout the entire home loan, personal loan or business loan process
Ensuring you are given ongoing support for your existing and all future home loans and personal loans
Provide you with a selection of home loan options from which you can choose and explain the features, fees, costs and other details associated with each loan option
Communicate with your chosen lender throughout the process and keeping you up to date along the way
Ensure that your home loan experience is as stress free as possible

Contact us, your local Sunshine Coast Mortgage Broker and Home Loan Expert today!

Mortgage Choice in Maroochydore

(07) 5430 0830 or email sales.maroochydore@mortgagechoice.com.au

AVAILABLE FOR AFTER HOURS APPOINTMENTS!

Servicing Maroochydore, Mooloolaba, Caloundra, Buderim, Noosa, Peregian Beach, Coolum and all surrounding Sunshine Coast suburbs.

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

Matt McGrath arranged finance which met my requirements and the approval process was uncomplicated.

Brett
16 May 2024

Matty has been a great help to me recently refinancing. He made all my options clear and explained things in the perfect way to understand. Will be recommending to my family and friends.

Alexandra
16 May 2024

Matt was incredible, from our first initial call where we discussed all options for our borrowing capacity to the area we wanting purchase. He was supportive for our timeline and gave us the confidence to make an offer. Once our offer was accepted he was nothing short of amazing, his attention to detail, enthusiasm and commitment to our loan process. He makes getting a mortgage exciting Highly recommend to anyone in qld.

Jorja
16 May 2024

Gemma has made what would seem a stressful experience , a smooth, quick and easy to understand process . Gemma is extremely professional, kept me updated every step of the way and I was able to contact her for what any questions, no matter how silly or small I thought they were.
We cant thank Gemma enough and are extremely grateful for all her help.
I highly recommend Gemma and the team at mortgage choice.

Kerrylee
15 May 2024

Gemma has helped me buy one property and refinance now and both times she and her team have been absolutely amazing and great to deal with. Ive been recommending them to all my friends. Nothing was too difficult and they made the process as easy and pain free as possible.

Diana
14 May 2024

Matty McGrath went out of his way to assist my husband and I to buy an investment property. He was very thorough in his research and gave us remarkable advice and support.

Michelle
14 May 2024

Gemma has been my contact within Mortgage Choice through all of my property purchases and sales. Herself and her team are incredibly responsive, always happy to take the time to explain processes and options to me, patient in putting my mind at ease with any questions or concerns that I have. I hope to remain working with Gemma for all my future endeavours.

Libby
13 May 2024

My partner and I turned to Mortgage choice after connecting with Matt. We had been working with Aussie and after having our broker leave at the pointy end of a contract and not having an assigned agent and all the stress that would come with that nightmare, we were done with Brokers. Matt is like the smart friend you take on trivia night to show off to your friends. He is extremely likeable, perso... read more

Jen
08 May 2024

Matt and his team where fantastic , they really went out of their way to make my refinancing and my daughters refinancing so less stressful than we thought it was going to be . Matt listened and guided us both through the whole process . Thanks Matt i will certainly be recommending you and your team to all of my friends.

Cameron
07 May 2024

I could not recommend a better broker than Matt. Every obstacle we came up against, Matt had an answer for, a solution, options. His knowledge with the finance landscape is unbelievable. Buying and selling a home can be a nightmare what with conveyancers, real estate agents etc. I never had an ounce of doubt on the broker side. Matt and Mieli always had our back instilling us with confidence and a... read more

Bryce
03 May 2024

First home buyer's guide

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process.

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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.

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Recalculate borrowing power

Monthly income

Expenses

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

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

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Total fees:

Breakdown	Amount
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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.

State / Territorial Revenue Web Sites

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Multi-award-winning team of Mortgage Brokers in Maroochydore on the Sunshine Coast

Maroochydore

Are you looking to buy your first home, refinance, buy an investment property or even upgrade the home you have now? Or are you on the hunt for a reliable Mortgage Broker?

Look no further! The team at Mortgage Choice in Maroochydore on the Sunshine Coast are here to assist with your financial needs and goals. We service Maroochydore, Mooloolaba, Caloundra, Noosa, Buderim, Coolum, Peregian Beach and all surrounding suburbs on the Sunshine Coast.

As award winning Mortgage Brokers, our experienced team at Mortgage Choice in Maroochydore on the Sunshine Coast offer excellent advice, outstanding customer service and can provide the best deal across a range of services, including:

First Home Buyer Loans

Residential Home Loans

Investment Loans

Refinancing Loans

Contruction Loans

Commercial or Business Loans

Car Loans

Personal Loans

Equipment Finance

Debt Consolidation