Award Winning Service & Home Loan Expertise! Mortgage Broker in Hamilton, Stafford, Ferny Grove and surrounds.

Call: 0409 363 420

With over 100 "5 Star" Google Reviews and customer testimonials, you're in good hands when it comes to your home loan financing needs!

For award winning service at NO cost to you, call Jo today for your FREE home loan health check!

Specialising in residential home loans of all kinds, Jo can provide the expertise you require - whether you are a first home buyer, or you are looking to upgrade or add to your property investment portfolio.

Call today or make an appointment online to discuss your home loan needs!

Call Us Mortgage Choice Samford Valley
Mobile - 0409 363 420
Office - 0409 363 420

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

Mobile Broker

Ferny Grove, Everton Park, Hamilton, Kedron, Clayfield, Wooloowin, Windsor, Albion and surrounds

Latest home loan interest rates

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Welcome to Mortgage Choice!

Why Mortgage Choice?

I chose to become a mortgage broker for many reasons, but there are three main reasons I chose to become a Mortgage Choice Mortgage Broker:

1. Zero Cost to You

The lender pays the commission (not you!)

2. Wider Range of Options

Rather than a engage a mobile lender who can only offer you one of a few products from their bank or financial institution, with a Mortgage Choice Mortgage Broker, you have the option to consider the product ranges from over 35 different lenders

PLUS Mortgage Choice offers more than home just loans! With Car Loans, Asset Finance, Credit Cards and Commercial Lending, whatever your need, we can help!

3. Expertise & Experience

Mortgage Choice prides itself on its reputation in the market - and provides a wealth of expertise and experience through its broker network and the team of lending and credit specialists at head office.

Working closely with our lender panel representatives, we work to ensure we're always able to provide you with the right solution at the best price to meet your needs now and into the future.

4. FREE Step by Step Property Guide!

Buying a property is one of the biggest financial commitments you will make. It doesn’t matter if it’s your first, second or tenth purchase, you will always have some important questions and decisions to make.

That’s why we have prepared this step-by-step guide to assist you not only along the path to property ownership, but in your overall financial journey. We also have a guide for First Home Buyers, Investors, Refinancers and Guarantors!

Download your FREE Guides here!

Keep Up To Date

With the market continually changing, make sure you keep up to date in regard to interest rates, product and property market news via my facebook page: https://www.facebook.com/joannenugent.mortgagechoice/

Proud Supporter of Dolly's Dream

I am very proud that the Mortgage Choice Charity Foundation (MCCF) has announced its National Partner for 2024 being the anti-bullying organisation, Dolly’s Dream.

Dolly’s Dream is committed to changing the culture of bullying through education and direct support to young people and families, which addresses the impact of bullying, as well as anxiety, depression and youth suicide.

The partnership will see franchisees from within the Mortgage Choice network contribute from each loan settled to Dolly’s Dream, supported by additional fundraising activities and a generous contribution from REA Group.

As a parent, being about to support children appropriately in the face of intense and unrelentless bullying is a major concern. Dolly's Dream provides valuable parental resources to assist in this which are free to access via the following link:

https://dollysdream.org.au/parent-hub/

In supporting this initiative I will continue to make voluntary contributions for every loan settled as part of my commitment to support the MCCF

2023 Customer Service Award

At the 2023 Mortgage Choice National Conference, Jo was awarded the Customer Service Award, recognising her dedication to her clients as evidenced by the testimonials provided by them as a result of their experience when engaging Jo to assist with their home loan needs.

Start Your Home Loan Journey with an Expert!

Client testimonials reflect the care, attention to detail and the expertise of Joanne Nugent Mortgage Choice. Award winning service, coupled with over 100 "5 Star" reviews on Google ensures you are in good hands.

Doing what we do is rewarding, especially when our clients are as happy as these!

Click here to view a full list of client testimonials received in regard to home loan services provided by Jo

Are you too busy for a home loan?

Then let me bring the banks to you!

With more than 35 lenders on our panel, I will take the stress out of your home loan by finding the right loan at the right price and do all the running around for you - leaving you to focus on your new home!

As a mobile broker, I have the flexibility to meet clients at home, at work, or at any convenient location - even after hours depending on your work schedule and availability. Especially for those clients with young children, having Jo meet with you at your home takes the stress out of trying to find a sitter or keep them amused in an office environment.

And for clients living or working interstate or overseas, I can also accommodate client meetings via video conferencing.

Servicing the following suburbs and surrounds*, I’d be delighted to meet with you, to discuss your financing needs, and to help you achieve your dreams.

Call me today to book your free appointment: 07 3289 6193

* You can call, email or book an appointment online, with Jo servicing the suburbs of Hamilton, Ascot, Albion, Clayfield, Windsor, Lutwyche, Wooloowin, Kedron, Hendra, Gordon Park, Stafford, McDowall, Everton Park, Mitchelton, Everton Hills, Keperra, Arana Hills, Upper Kedron, Ferny Grove, Ferny Hills, Bunya and surrounds.

Proud Supporter of KIVA!

September 2023 Update

I'm proud to be a KIVA supporter!

I have been a Kiva supporter for over five years since being introduced to this wonderful organisation in mid 2018. During this time, by contributing a portion of my commission earned, I have help fund over 200 loans across 53 countries.

These loans have been made via a contribution of my commission made from client settlements and I look forward to continuing to make a small difference to other people's lives around the world.

For more information on how these loans have helped others, visit https://www.kiva.org/lender/joanne5522

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

Joanne has been amazing in helping me to secure the home loan from start to finish. Always available to answer questions and no questions are silly. Jo was with me every step of the way and always keeping me in the loop on the overall progress. Jo listens to my concerns and took time to explain everything with patience. Couldn't have done it without Jo's help and guidance.
Also Kristin was amazing and continuous to provide me update on the bank loan approval progress.

Isabel
03 November 2024

Highly recommend Jo and the Mortgage Choice team After being completely let down by one of the big banks, I called Jo and she came to our rescue.
Jo is super easy to talk to and get in contact with, understanding of your situation and finds the best option available for you and your circumstances. So grateful for the hard yards Jo and the team put in to get our finance over the line, even with a short deadline.

Jessica
28 October 2024

Joanne Nugent at Mortgage Choice did a great job Highly recommend Jo for any mortgage help you need.

Fran
23 October 2024

Jo was amazing Very knowledgable and quick to respond and helped me buy my first home I ended up putting an offer down last minute without pre approval but thanks to Jo had finance approved way before the deadline, really took a lot of the stress away when buying a place

Jordan
10 October 2024

Highly recommend Jo and Kristin. Jo is an expert in the finance industry. She is professional and friendly and listened to our needs before generously offering her knowledge and suggestions. Both Jo and Kristin also kept us fully informed every step of the way. A fabulous local mortgage broker who knows her stuff.

Chris
05 October 2024

Great service, offered up choices in a simple and straight forward way and listened to what we wanted from our loan.

James
02 October 2024

Jo assisted us to restructure our finances, to find a bank with better terms and better accessibility. She was at all times cheerful, forgiving of my tardiness and highly effective at delivering her undertakings in very short time. I would not hesitate to recommend her to my friends or anybody needing a professional and personable mortgage broker.

Robert
02 October 2024

We had a great experience with Jo to obtain a home loan to our need. The respond turnaround is quick. Jo took the time to understand our objectives and recommend the home loan which is most suitable to us. Thanks Jo to walk us through this journey

Ric
02 October 2024

Joanne was an absolute rockstar throughout my first home-buying journey
Her exceptional knowledge, reliability, and prompt communication made the entire mortgage process seamless and stress-free.
Her friendly yet professional demeanor put me at ease, answering all my questions and concerns with clarity and patience. She consistently went above and beyond to ensure I secured the best possible rate and... read more

Esha
26 September 2024

Jo was extremely knowledgable, professional, courteous, and patient through the many ups and downs that purchasing a house brings. She provided continuous support with navigating the complexity of various home loans, always going above and beyond to provide help wherever and whenever possible to find the mortgage that best suited my needs. She was undoubtedly crucial in helping me secure my first home and I would recommend her to everyone.

robert
08 September 2024

2023 State of Play - A Bluewealth Australian Property Market Report

Bluewealth has just released its 2023 State of Play - an Australian Property Market Outlook - including specifics for each capital city and major regional areas.

If you need to know what insights economic forecaster Gavin Chau (Senior Research Analyst at Bluewealth Property) has to share in regard to both the Brisbane and broader Australian property market, download your free guide here or from the Bluewealth website.

Download now

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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.

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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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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.

State / Territorial Revenue Web Sites

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Award Winning Service & Home Loan Expertise! Mortgage Broker in Hamilton, Stafford, Ferny Grove and surrounds.

Welcome to Mortgage Choice!

Why Mortgage Choice?

Keep Up To Date

Proud Supporter of Dolly's Dream

2023 Customer Service Award

Start Your Home Loan Journey with an Expert!

Are you too busy for a home loan?

Proud Supporter of KIVA!

September 2023 Update

The right home loan for your needs

Client reviews

2023 State of Play - A Bluewealth Australian Property Market Report

Help me calculate

2nd Applicant

Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

State / Territorial Revenue Web Sites

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