Mortgage Broker & home loans Cairns and Atherton

Call: 0499 990 392

Mortgage Choice Cairns and Atherton Tablelands is your Home Loan Mortgage Broker focused on home and investment loans for your new home or helping you get a better deal on your existing loan

Call Us Mortgage Choice Manunda
Office - 0499 990 392

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

Address

Suite 1, 7 Anderson Street, MANUNDA, QLD 4870

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Start your home loan journey today

We're here to help you achieve your property goals

Whether you’re a first home buyer, property investor, or upgrader Mortgage Choice in Cairns and Atherton Tablelands is your local professional mortgage broker.

Servicing the Cairns Region from Mossman/Port Douglas to Innisfail Mortgage Choice Cairns City will find the home loan that’s right for you.

Why Choose Mortgage Choice Cairns and Atherton Tablelands?

Mortgage Choice Cairns and Atherton Tablelands offer professional mortgage brokerage services for a wide range of requirements including:

first home buyer finance;
new home finance;
property investment loans;
home loan refinancing;
fixed, variable and interest only home loan packages;
debt consolidation;
commercial finance;
personal and car loans;
insurance.

By allowing Mortgage Choice in Cairns and Atherton to shop around for your ideal home loan, complete the paperwork and deal with the all the hassle for you, we can save yourself time, stress and money.

Professional & Efficient Service

As a client of Mortgage Choice in Cairns and Atherton Tablelands, you'll receive professional service with a friendly and approachable team of support staff who will be there for you whenever you need us - day or night. As your specialist home loan broker we service the whole of the Cairns and Tablelands Region

We are also able to offer after hours appointments for your convenience.

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've used Geoff twice and he got me a good deal each time.

Louise
26 July 2024

Geoff was a great help the whole way through the process and sourced a loan to suit our situation

Mark
01 May 2024

Geoff was brilliant every step of the way and made everything hassle free.

Jesse
16 April 2024

Geoff assisted us throughout the process of buying our first home. He helped us from the get go, and made the process so smooth and enjoyable Not only did he provide great advice suited to our situation, he was easily accessible and prompt in all his communication with us and the bank. We highly recommend Geoff if you are looking for a mortgage broker who has your best interests at heart, and who will be there every step of the way without fail.

Abi
15 April 2024

Geoff Taylor arranged our mortgage and we could not recommend him highly enough. We were continually impressed by his prompt responses and willingness to answer any of our very numerous questions. He was easily contactable including outside of standard business hours and made the process far simpler than it would otherwise have been. I would highly recommend his services for anyone requiring assistance with finding an appropriate mortgage.

Theodore
10 February 2024

Geoff has been amazing to work with on purchasing our first house. He provided excellent information and guidance throughout the process. Weve successfully brought our first home, wouldnt have happened without his support. Highly recommend working with him on your financing needs.

Jacques
12 May 2023

Geoff was wonderful as my mortgage broker. He helped me secure my new home loan and successfully reduced my interest rates. Highly recommend Geoff and the services provided by Mortgage Choice in Cairns.

Kristy
24 April 2023

So easy to talk to Geoff and nothing was ever too hard. Highly recommend Geoff Taylor from Mortgage Choice

Louise
17 April 2023

Geoff was terrific for us sorting out a home loan for us in Atherton.

David
04 January 2023

Geoff Taylor is fantastic. He organised me a home loan back in 2016 and I have just used his services again for another property. He really knows his stuff and makes the entire process so simple

Kate
13 December 2022

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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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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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Mortgage Broker & home loans Cairns and Atherton

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