Renee Polden

Mortgage Broker in Robina, Varsity Lakes, Reedy Creek, Tallebudgera & Surrounds

Call: 07 5562 0748

Our team will find the best home loan for you.

Call Us Mortgage Choice Robina
Office - 07 5562 0748
Fax - 07 5562 1451

Open Hours Mortgage Choice Robina
Monday to Thursday:
9:00 am - 5:00 pm
Friday: 8:00 am - 4:00 pm
Free Appointment

Address

The Rocket, 6/203 Robina Town Centre Drive ROBINA, QLD 4226

Lender

Interest Rate*

Comparison Rate

Lender

Interest Rate*

Comparison Rate

Credit criteria, conditions, fees and charges apply. Subject to suitability. The comparison rates in this table are based on a loan amount of $150,000 and a term of 25 years. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

Start your home loan journey today

Mortgage Choice in Robina

Welcome to Mortgage Choice in Robina!

You will find lots of useful tools and information on our website to assist you in making your home loan decisions.

Whether you are a first home buyer, upgrading your current home, purchasing an investment property, accessing your equity or needing a more suitable loan - we can help you!

We are passionate about helping you achieve your property dreams and ensuring you have the finance solution that meets your needs.

We offer a personalised and flexible service communicating through an omni of channels to make the process as smooth as we possibly can for you.

Contact our office -

07 5562 0748

admin.robina@mortgagechoice.com.au

or book your appointment online using the orange tab below.

We have a lovely office located on the ground floor at The Rocket building in Robina, and look forward to welcoming you there.

WHAT MAKES US DIFFERENT?

Our home loan service is free to you as we are paid by the lender.

We Have a Wide Choice with

Over 25 lenders to choose from and
Over 600 products available
Products include variable rates, fixed rates, split loans, professional packages, basic no fee loans, offset loans

The Right Advice

The only thing that matters to us is the home loan that's right for you.

Stress Free Service

We do the hard work for you and find the most suitable solution to meet your needs.

WHAT WE CAN DO FOR YOU

Home Loans
Investment Loans
Refinancing
Personal Loans
Car Loans
Equipment Finance and Leasing
Commercial Finance
Debt Consolidation

As a local Gold Coast Mortgage Broker and Home Loan specialist, our office is conveniently located in Robina on the Gold Coast. Our team also service surrounding areas including Tallebudgera, Tallebudgera Valley, Varsity Lakes, Reedy Creek, West Burleigh, Burleigh, Burleigh Heads, Burleigh Waters, Clear Island Waters, Merrimac, Emerald Creek, Broadbeach, Broadbeah Waters, Mermaid Beach, Mermaid Waters, Austinville, Moura, Springbrook, Bonogin, Mudgeeraba, Tallai, Morven, Neranwood & Worongary.

When you’re looking for a home loan, speak with your local home loan expert at Mortgage Choice in Robina.

07 5562 0748

admin.robina@mortgagechoice.com.au

or book your appointment online below

07 5562 0748
admin.robina@mortgagechoice.com.au
Book An Appointment Online

Our Office Hours are:

Monday to Thursday: 9:00 am to 5:00 pm

Friday: 8:00 am - 4:00 pm

Evening appointments available

(available times are shown when booking online or contact our office to request a time suitable for 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

Thank you for the wonderful work and professional service all the team provided to arrange our re-financing, we are vey appreciative.

Chris
06 February 2024

Buying a house can be frustrating, especially in 2024, especially on the Gold Coast where costs are rising dramatically. Renee and her team navigated the process with us with such transparency and care that it almost seemed easy. They not only helped us buy a home, but they also kept us feeling reassured that we would secure one.

Me and my family owe them a sincere debt of gratitude and advice to any... read more

Chris
24 January 2024

Please accept our sincere thanks for all of your exceptional professionalism in getting our home loan and assisting us with all the papers.

Renee Polden, Renee Brown and Angela Mussell have been so helpfull since the very beginning of our home loan application process. They took the time to ensure that we understood the entire process and always willing to explain things until we felt comfortable.

W... read more

Edyana
16 November 2023

Exceptional customer service and professionalism.
The help we received from mortgage choice Robina in preparing us for with the whole process was amazing from pre approval to settlement the support is ongoing
I Would not hesitate in recommending or contacting mortgage choice Robina

Sean
01 November 2023

Hassle free experience obtaining a loan, the team at Robina were outstanding.

Peter
12 October 2023

We just bought our first home and used Renee Polden Mortgage choice Robina, I have been speaking to Renee for over a year and Renee has given us advice and guided us on how to buy our first home, we tried to buy a house a few times and got knocked back in the past through other brokers, Im so glad we went with Renee who guided us to make it happen. We got approved pretty much instantly and we were blo... read more

Alice
06 October 2023

Wonderful experience I would highly recommend this team. No question too small, we felt very supported throughout the whole process. Renee is a wealth of experience and Angela is extremely thorough making us feel like everything was taken care of.

Eimear
02 October 2023

Renee handled my loan expertly giving me choices and answering my questions so thoughtfully. This is the third or fourth time I have been through this process either purchasing or refinancing with Renee, quite frankly I wouldnt use anyone else. A huge thank you to Angela also for keeping me updated through all the stages, the communication from this team is second to none. You wont find a better mortgage broker or team

Alisa
22 August 2023

A huge thank you to the team at mortage choice Robina- Renee and Angela did such amazing work from those very initial steps of what a home loan would entail all the way to settlement on our first home. Would highly recommend, such comprehensive and exceptional service. Such great support and care we couldnt be happier

Kathleen
22 August 2023

Renee, Angela and all the team were so professional.

They were able to assist and have a refinance approved with limited fuss - which was important and also great given my income has switched from primary business owner to a new career as employee.

We look forward to the day where we can use their services again.

Ty
03 August 2023

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.

Download now

Eguide First Home Buyer New Cover 255X360

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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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Over

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

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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?

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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.

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Mortgage Broker in Robina, Varsity Lakes, Reedy Creek, Tallebudgera & Surrounds

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