Mortgage Brokers & Professional Home Loan Experts in Mudgeeraba on the Gold Coast

Call: 07 5559 2563

We are your trusted local mortgage brokers with 20+ years of experience. Our team will find the right home loan for you from hundreds of options. So talk to us today or book an appointment online.

Call Us Mortgage Choice Mudgeeraba
Office - 07 5559 2563
Fax - 07 5559 2564

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

Address

Suite 9, Bell Place Professional Centre, 1 Bell Place MUDGEERABA, QLD 4213

Latest home loan interest rates

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Start your home loan journey today

We have been on the Gold Coast and with Mortgage Choice for over 20 years and in the finance industry for over 30 years.

Now, we'd like to use our extensive knowledge and experience to help you.

What we can do for you.

Whether you are a first home buyer, upgrading to your next home, getting into property investment, or wanting to refinance your existing loan, our mortgage brokers are home loan specialists and can help you make the right move.

Mortgage Choice Mudgeeraba offers professional loan and financial planning advice on a wide range of products for our clients including

First home buyers
Refinancing
Investment property
Debt consolidation
Commercial loans
Car loans
Equipment finance
Personal loans

As a guide, check out our home loan calculators

What's next?

Give us a call (07) 5559 2563 or

Book an appointment online

As your local Gold Coast Mortgage Broker and Home Loan specialist, our office is conveniently located in Mudgeeraba, just 5 minutes from Robina Town Centre and the Robina Train station. Drop in for a chat or we can come to you.

Mortgage choice in Mudgeeraba specialises in our surrounding suburbs including Worongary, Bonogin, Tallai, Reedy Creek, Robina, Merrimac, Burleigh Heads, Burleigh Waters, Mermaid Waters, Mermaid Beach and Miami, but are happy to assist anyone on the Gold Coast. We also work easily with interstate and overseas clients.

We are here to help you and we look forward to working with you.

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

John, Amanda and Jo have been absolutely fantastic with all our needs as first home buyer's and thereafter. Would highly recommend their service's and will continue to deal with them in the future.

Lara
17 November 2024

Thank you mortgage choice Mudgeeraba for help and assistance. The process was extremely streamlined, very Johns knowledge and experience we would recommend him and his team to everyone

Andrew
13 November 2024

John was highly recommended to us by my Mum who has been using his mortgage services for decades We have now mortgaged and re mortgaged with John and referred him to multiple others and will continue to do so. He is extremely knowledgeable and explains all aspects of the process of buying a home and all that comes with it very well. Thank you John

Zoe
13 November 2024

I can only say good things about this team. We just bought our first home, and we are so happy with the service received. The staff is courteous, friendly and helpful. I regularly called John to understand more about the process we were going and he was always willing to explain everything bit by bit, in a very calmfriendly way. Jo and Amanda would call us to check if everything was ok and give us fee... read more

Angela
07 November 2024

Karen and Amanda at mortgage choice were extremely helpful and invested in my journey the whole way through making the process easy for a first home buyer. Thank you mortgage choice

Lincoln
31 October 2024

John and his team were fantastic. Thank you for all your help in finding the right home loan for us and all your support along the way. Highly recommend

Larissa
07 October 2024

We have been using John and his team for over 10 years. They consistently provide an excellent service.

Tony
06 October 2024

I've relied on John and his team twice and couldn't be more satisfied with their work. I appreciated that they are very knowledgeable in their products and processes, even when it came to not so straightforward cases such as a financial order or salary packaging.

Paul
03 October 2024

Amazing team at Mortgage Choice Mudgeeraba. Talked me through every step, were very patient and very easy to deal with. Highly recommend John, Amanda and Jo.

Natalie
28 August 2024

Excellent service from John and Amanda. Helpful throughout the whole journey and made it easier and answered all questions we had

15 August 2024

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

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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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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.

Click here for more information on the WA First home Owner Grant.