Your Expert Mortgage Broker in Brisbane CBD

Call: 07 3106 1444

Leading Mortgage Broker in Brisbane's CBD, Alan Heath can help you secure your first home, re-finance your loan, enter the investment market or plan for your future.

Call Us Mortgage Choice Brisbane City
Office - 07 3106 1444
Fax - 07 3106 1455

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

Address

Level 27, 480 Queen Street BRISBANE CITY, QLD 4000

Have you found your Dream Home?... Let me Find your Dream Loan...

Whether you are a first time home buyer, looking to refinance or an experienced property investor I'd be happy to help. I will assess your individual position and search through hundreds of different loan options from our panel of lenders to identify the loan that's just right for you.

My promise to you:

An unswerving commitment to client satisfaction
Always find the time to talk to you, no issue is 'too small for my time'
Make your goals achievable with ONE point of contact yet MANY options.
The only person that can 'close' a transaction is you - by telling me that you are completely happy.

I will ensure your home loan fits within your 'bigger picture' by listening to your goals and structuring long term strategies in a clear and logical way.

As a long-standing Franchisee of Mortgage Choice, my loyalty to client needs goes beyond just ‘buying a house’. Contact me today 0411 601 459

Professional services on offer through Mortgage Choice Brisbane CBD - Alan Heath:

First home buyer finance
Existing home loan health check
Mortgages for new and existing homes
Construction home loans
Property investment loans
Refinancing
Upgrading and renovations
Fixed, variable and interest only home loan packages
Debt consolidation
Commercial loans, leasing and asset finance
Car loans
Loan and Income Insurance

Mortgage Choice can help you find a home loan that suits you; we have written home loans for more than 300,000 Australians. Give me a call today at Mortgage Choice in the Riverside Centre, Brisbane CBD and let me make your money work harder for you.

Alan Heath
0411 601 459 or 07 3106 1444 or by email at: alan.heath@mortgagechoice.com.au

Up with social media? Send me a post on Facebook, or follow me on twitter for interesting market updates and tips.

www.facebook.com/AlanHeathMortgagechoice

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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

Alan went over and above assisting me and my kids buy a home. Alan navigated my situation including being a business owner and the result is I've bought a beautiful home that will serve us for years to come. Alan was incredibly patient and informative throughout the process and guided me at every stage. I'm forever grateful to Alan for his sage guidance and calm influence during a stressful time. Alan i... read more

Mary
08 May 2024

A colleague suggested Alan to me a few months ago when I was searching for a way to refinance my home loan, and since then, I have thanked her at least a dozen times for the referral Alan's incredible efficiency and attention to detail have been nothing short of impressive, and his vast knowledge of finances, home loans, and the banking system has made it clear that he is a skilled and efficient mortgag... read more

Nancy
04 June 2023

We have recently used Alan's services in securing our family home.
It was truly a delight in dealing with Alan. He went above and beyond in every aspect.
Through Alan, we were able to walk into a market that was on the boil with a plan and with confidence. He made himself available at any time of the day, and one thing he does is reply to queries straight away. Not only that, but he has his finger on th... read more

Jolon
19 May 2022

Alan was always easy to contact, returned calls and emails quickly and would happily answer any questions. The service received was of the highest standard and I could not have been happier with the process and the result. Alan took all the worry and hassle out of finding the right loan and made it all a smooth and enjoyable process. I highly recommend Alan's service to anyone who is looking for a broker.

Friederike
18 December 2021

We have been clients of Alan for a number of years and cannot speak highly enough of him. He always provides sound advice, is transparent in all his dealings, and most importantly - holds the Banks to account. He works hard to ensure WE are always looked after with the best rate, the best service, the best product and the best circumstances that suit us. We cant recommend him highly enough. Thank you Alan for always having our not the Banks best interests at heart.

lisa
18 December 2021

Alan Has been our Mortgage Broker for many years, and he is extremely good at understanding our needs as they have evolved over the years. Alan is very quick to respond to any question and every 6 months he checks in and reviews where our interest rates are sitting and works with the banks to ensure we have the best interest rate possible at that point in time. Because of this our interest rate has just... read more

Benjamin
17 November 2021

Alan is a dead set legend He works completely for you and consistently is in communications with his lenders AND reviews interest rates every 6 months AND gets the reduction I hear my friends talk about their brokers and they have to chase their broke to see if they can get a rate reduction.
Alan is very quick on paperwork as well to get the ball rolling and get you on your way I have since refinanced a... read more

Donna
17 November 2021

I am a full time shift worker and trying to move home home loans with the banks hours can be difficult. Alan helped me moved my home loan and I didn't even have to lift a finger. Dealing with banks and paperwork can be a nightmare but Alan did all the heavy lifting and made the process a breeze. I would highly recommend to anyone who is looking for a mortgage broker to check out Alan

Stephanie
18 July 2020

I found Alan to be more than helpful his service was over and above, i was on the border line of getting my loan , but Alan did everything in his power to help me. I highly recommend his services.

Jacqueline
19 July 2019

It was a breath of fresh air to find Alan Heath, what a professional! From the first communication through to settlement I couldn't have asked for a smoother process. I was impressed with the efficiency and speed of turnover during each phase with the added bonus of being able to download and use Alan's App 'Ask Alan' which enabled me to easily understand each part of the process with easy and clear to und... read more

K.Brown
01 November 2018

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You could borrow up to

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/ month
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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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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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Total fees:

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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.

From 09 May 2024, if you buy a home costing up to $450,000, no stamp duty is payable at all. If the value of your home is between $450,000 and $600,000, you’ll be entitled to a reduced rate of stamp duty.

There are no additional concessions for homes valued above $600,000 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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Your Expert Mortgage Broker in Brisbane CBD

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