Colin Fairchild

Your local award-winning mortgage broker and financial services experts in Windsor, Clayfield, Stafford, North Brisbane and surrounds.

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With years of local property knowledge and over 40 years experience in the financial industry, let the team at Mortgage Choice Windsor help with your next home loan

Call Us Mortgage Choice Windsor
Mobile - 0413 052 468
Office - 07 3262 7555

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

Address

2/14 Newmarket Road WINDSOR, QLD 4030

Latest home loan interest rates

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We’re here to help you

Welcome!

Colin Fairchild and his team of Mortgage brokers in Windsor, Clayfield, Stafford and North Brisbane offer you award-winning service and proven home loan expertise.

With years of local property knowledge and over 40 years experience in the financial industry, our team prides itself on putting you, our customers first and helping you to achieve your dreams.

Leave the hard work to us

With over 40 years of finance industry experience, Colin takes the hard work out of finding your next loan.

As your local Brisbane home loan specialists located in the Windsor, Clayfield area, Colin and his team look forward to helping you realise your dream sooner if you are looking for:

First home buyer loans
Construction loans
Refinancing for renovations
Debt consolidation
Investment loans
Bridging loans/Deposit bonds
Mortgages for the self-employed/Low doc loans
Car loans

More of the RIGHT choice for you

Colin and the team at Mortgage Choice Windsor give you easy access to our extensive lending panel representing over 25 of Australia's leading lenders – giving you a genuine choice from hundreds of loan options.

Call today

Call Colin Fairchild at Mortgage Choice Windsor on (07) 3262 7555 or 0413 052 468 or email colin.fairchild@mortgagechoice.com.au to arrange an appointment.

Visit us at 2/14 Newmarket Road, WINDSOR QLD 4030 or click the Contact Us link at the top of this page.

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Windsor, Clayfield, Stafford, North Brisbane and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here https://www.mortgagechoice.com.au/colin.fairchild/tools-resources/calculators/ or get in touch with Colin Fairchild to discuss your unique circumstances.

Ready to kickstart your journey to home ownership?

We’ll assist you along the way and do all the legwork for you! Call Colin Fairchild today on 0413 052 468.

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

I had a great experience working on my loan with Mortgage Choice. Collin and Carol was very attentive and helpful throughout the process. In the first meeting, Colin explained our options very well and answered the thousands of questions me and my wife had. Later on we had to do a second pre-approval because of processing time of the first lender went through the roof. Colin was quick to get our second approval through in 3-4 business days which made sure I bought the house I wanted.

Pubudu
07 November 2023

Thank you Colin, we really appreciated all the help, knowledge and information you gave us. Excellent service and highly recommended.

Family
10 May 2023

I highly recommend Mortgage Choice to anyone looking to purchase a new property. My experience with them while buying our first home was exceptional, thanks to Colin and Janet's support and guidance. They provided highly professional and friendly service, which made the process quicker than we had expected.

Ayomi
28 April 2023

Cannot recommend the team here more highly. Over the past 10 years we have had the pleasure of working with Colin and Janet for multiple new and refinance applications, and their advice, experience, efficiency and integrity makes for a seamless and stress-free process.

David
21 February 2023

Colin and his staff were absolutely wonderful. This was our first home and we'd recommend them to anyone looking to purchase or re-finance. Their communication was awesome and friendly. They were always available to answer our questions via phone or email and made us feel very supported during the settlement process. They've got your back

Claire
14 July 2022

We had a great experience with Colin and Janet in securing our first home loan. They kept us informed the whole way through the process and made everything easy to understand.

Claire
24 May 2022

Great team who all know exactly what they are doing. Our initial home loan prcoess went through without a hitch thanks to Colin and the team. 4yrs later we have refinanced and exactly the same great service even in trying times and over the Xmas period. Thanks everyone

Brodie
24 March 2022

Colin the team at Mortgage Choice Windsor managed a quite complex refinancing where other brokers could not deliver. The settlement involving 3 banks leading into the holiday break was also a bit of a cat herding exercise, but again, Janet's persistence made it happen.
Highly recommended

Mike
22 February 2022

My boyfriend and I recently utilised the team at Mortgage Choice Windsor for the purchase of our first home. We worked closely with Colin and Janet throughout the process. They both made the process very easy for us and we felt very well supported throughout. I have recommended the team to a number of people already and will continue to utilise their service in the future. Thank you Colin and Janet

Chelsie
22 February 2022

Colin and his team seamlessly assisted in helping my partner and I with our mortgage. Would highly recommend their services.

James
22 January 2022

Refinancing guide

If you’re thinking about refinancing, this guide can help you learn more about the refinancing process, benefits and options available.

Download now

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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

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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

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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.

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.