Jake Swenson

Advice you can trust. Upper Coomera, Coomera, Gold Coast

Call 07 5580 3644

Jake Swenson and the team are your local Mortgage Choice Loan & Commercial property finance broker, Upper Coomera, Gold Coast, Nerang & Oxenford.

Call Us Mortgage Choice Upper Coomera
Office - 07 5580 3644
Fax - 07 5580 3188

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

Address

PO Box 693 UPPER COOMERA, QLD 4209

Let us take the burden off you

Buying your first home, investing or refinancing can be a surprisingly streamlined process when you partner with the team at Mortgage Choice in Upper Coomera, Coomera

We offer a one-stop solution for all your home loan needs and 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.

As your Gold Coast home loan specialist we can assist you with:

Home loans
The first home owner grant
Construction finance
Refinancing / Debt consolidation
Investment property loans – available to international investors also
Renovation loans
FREE home loan health check.

Tailored loan solutions for your needs

We give you access to the best deals available in today’s home loan market – with over 20 lenders on our lender panel, giving you great choice and a wide variety of loan solutions tailored to your needs.

Our services start from the original point of our contact with you through to settlement and beyond.

Not Just Home Loans

Mortgage Choice don't only do home loans. We also have an extensive non-residential mortgage product suite, outlined below, and as with the residential mortgage lending panel there is a diverse range of providers for each of these products that cater for a wide array of financial needs and services. Namely the non-residential mortgage product suite includes:

Property Development Finance
Personal Loans
Car Finance
Equipment Finance
Commercial Lending
SMSF Lending
Insurance
Investment Specialists
Depreciation Schedules
Deposit Bonds

We come to you

Get started today

Whether you're a first time home buyer, property investor, refinancing, renovating, upgrading or downsizing, our professional Mortgage Broker and home loans specialists help by providing professional and timely home loan advice

To find out how we can help you achieve your goals, call us at Mortgage Choice Upper Coomera today on 0438 000 802 or simply click the Contact Us link at the top of this page and we’ll be in touch.

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

Provided with a specialist package to suit our borrowing needs in order to get the mortgage required.
Thank you

Sean
18 July 2021

I couldn't have asked for a better person to help us buy our first property.
Jake was phenomenal throughout the entire process where he was never too busy and there was never a silly question. He was extremely patient, did not pressure us at all unlike many other mortgage brokers do, and took time out of his busy schedule to hand deliver documents - during the holiday period - directly to us and to ou... read more

Baron
18 July 2021

Excellent ongoing service for our mortgage requirements. Strongly recommend

Mike
18 July 2021

My partner and I were really happy with the professionalism and transparency that Jake from Mortgage Choice displayed from the very first day we met him. He was always very quick to answer our mountain of questions being first home buyers. We can 100 recommend him as as a mortgage broker and an all-round great guy.

Daniel
18 July 2021

We are very happy with the service Karen has provided! Without her I don't think we could have made it happen, I work away which made things difficult at times but Karen always went above and beyond to ensure a positive outcome.. thank you Karen!

Erin Jackson and Lonnie Gallagher
16 December 2017

Very Satisfied Customer

I recently purchased a new home after renting for a number of years. There were a number of challenges working against us but with the assistance and dedication of the team at Mortgage Choice Upper Coomera we landed the property. My family and I could not be happier in our new home and we would highly recommend this team if you want service that goes above and beyond.

David Dowdle
16 December 2017

Thanks a lot for all the hard working I really appreciated & experienced good customer service keep up good working & I recommend you guys for all my friends & families thank you

David Omar
16 December 2017

Thank you for your help and advice in finding a home loan that was most suitable to our needs. Also thanks alot for the additional advice you gave about dealing with sellers and agents.

James & Elizabeth
16 December 2017

Thank you Mortgage Choice Nerang, as (we were) 1st home buyers you have explained everything in a professional manner, you were approachable and always available. We look forward to dealing with you in the next 12 months.

Lorna and Jody
16 December 2017

Very professional, informative and quick, then again personal enough to be comfortable.

Emil and Branka Lipar
16 December 2017

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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.