Your Mortgage Broker with 20+ years servicing all areas around Carindale, Mt Gravatt, Tingalpa, Camp Hill & Carina.

Call: 07 3398 8044

Looking for a home loan, refinancing, investment loan, car or business loan? Talk to Derek McLeod, your local mortgage broker servicing Camp Hill, Carina, Tingalpa, Mt Gravatt & surrounding suburbs. Let Derek research and compare over 35 different lenders for you to find you the right deal.

Call Us Mortgage Choice Carindale
Office - 07 3398 8044
Fax - 07 3343 4478

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

Address

Professional Suites - Level 1 Carindale Shopping Centre, 1151 Creek Road CARINDALE, QLD 4152

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

Start your home loan journey today

Your expert mortgage broker in Carindale - helping you make informed home loan decisions

If you are considering buying or building a home, refinancing an existing home loan, or building an investment portfolio, then chances are you have a lot of questions and want to make the right decisions. You probably also don't have lot of time on your hands.

Derek McLeod is a Mortgage Choice mortgage broker with over 20 years of experience - having started mortgage broking in 2003.

As a professional home loan specialist, Derek will do all the legwork on your home loan - from application right through to settlement - so that you can move forward with confidence.

Derek McLeod will strive to fully understand your finance needs

Getting a full understanding of your circumstances and financial goals, Derek will work out how much you can comfortably borrow and afford to repay.

Comparing hundreds of home loans from over 35 lenders, including the big four banks, Derek has helped hundreds of clients from across Carina, Mount Gravatt and the Camp Hill area and beyond buy property and find the home loan that best suits them.

We do all the paperwork for you

When you are ready to proceed with an application, Derek will prepare all the paperwork and support you through the entire home loan process.

Our 'client for life' philsophy means you can rest assured that even when your loan is settled, Derek will be in touch down the track to ensure your loan is still the best option for you.

We will answer all your questions

With over 15 years of experience as a mortgage broker in the Brisbane area, specifically servicing the Carindale, Carina, Mount Gravatt and surrounding areas, Derek McLeod has a wealth of knowledge on the local area.

Having lived and worked in the Carindale area since 1986, Derek has watched the area develop and prosper. He can assist if you're at any location - across Brisbane, or the local areas around Carindale, Carina, Tingalpa and Camp Hill.

Derek strives to find the answers to all of your questions to ensure you can make decisions confidently.

We don’t charge to find the right loan for you

We are paid by the lender once your loan settles. In some limited circumstances your broker may charge a fee, which would be discussed with you before proceeding.

We can help you with all of your lending needs, including:

Services we offer from our Carindale office - or Derek can come to you!

HOME LOANS

PROPERTY INVESTMENT

INSURANCE

CAR LOANS

PERSONAL LOANS

DEBT CONSOLIDATION

BUSINESS LENDING

EQUIPMENT FINANCING & LEASING

Additional services available:

Contact us today!

Call Derek McLeod at Mortgage Choice in Carindale, located in Westfield Carindale Shopping Centre, today on 07 3398 8044 or Book Online for a free no-obligation appointment.

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

Derek provided us with wonderful support with our recent property purchase. He helped us get a very competitive mortgage rate and really made the process smooth. He provided excellent advice and went the extra mile by having online meetings with us after hours, as we were in America at the time we needed to finalise in Australia. Highly recommend Derek

Katie
08 July 2024

After working and contacting several brokers, found Derek to be the best. He is very knowledgeable, patient and helpful. Not only to assist to find the best deal for my mortgage, but also helping me to understand the market, contract details, and all the challenges during the purchase from making an offer to the settlement.
I highly recommend him. He deserves 5 starts

Atefeh
20 June 2024

Derek has been exceptional from start to finish. His knowledge and dedication made securing a mortgage smooth and stress-free. He guided me through the entire process with professionalism and clarity, ensuring I understood every step. I highly recommend his service

Jayasuriya
17 June 2024

Derek was super knowledgeable and we never felt like a number as he had time to explain everything that we that we did not comprehend the first time.
I would highly recommend Derek. And we will be using again for our next house.

Dan
15 June 2024

Derek has looked after our family for years now and is always reliable, trustworthy and available. Highly recommended

Peter
19 April 2024

If you're looking for a mortgage broker with alot of knowledge and insight into the different options available I would recommend you go see Derek.

Juliet
14 December 2023

Dealing with Derek at Morgage Choice Carindale was a very pleasant experience. His assistance and advice was invaluable and made a stressful time easier due to his experience and knowledge. I higjly recommend Derek and his team for all your mortgage needs.

Brad
27 August 2023

Derek has given me a wonderful and stress free experience with both buying my first home and most recently refinancing my home loan. Nothing is ever too much trouble for him and he goes to the effort of explaining everything thoroughly and uses terminology I understand. I couldn't recommend him highly enough

Helen
20 October 2022

We have been working with Derek for 5 years now, and he has helped us not only by assisting in ever confusing and difficult process of purchasing a house, but in educating myself and my husband of our options for now and the future . Derek is very patient and will explore every possible option to make your home ownerships dreams come true. I have recommended Derek to multiple friends and family, and we all share the same amazing experience. Highly recommend Derek's services.

Alicia
19 October 2022

What a knowledgeable and patient man. Incredibly informed and generous with his time to explain things to me as a first home buyer. Thanks Derek

Miss
14 April 2022

Property Ownership

This guide outlines the essential steps to achieving property ownership, starting from the first appointment with a mortgage broker all the way to settlement.

Download now

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

PAYG Self Employed

My monthly income before tax

Rental income

My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

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

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

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

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.