Mortgage Choice in Stafford, Everton Park, Kedron and surrounds

Call 07 3855 1350

Looking for a home loan? Contact your local Mortgage Choice broker in Stafford, Everton Park, Kedron and surrounds. Let us search and compare over 20 of Australia's lenders for you.

Call Us Mortgage Choice Stafford
Office - 07 3855 1350
Fax - 07 4123 5044

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

Address

600 Stafford Road STAFFORD, QLD 4053

Our top 5 lowest interest rates available

Fixed rates
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Lender

Interest Rate*

Comparison Rate

Lender

Interest Rate*

Comparison Rate

Credit criteria, conditions, fees and charges apply. Subject to suitability. The comparison rates in this table are based on a loan amount of $150,000 and a term of 25 years. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

Start your home loan journey today

John & Peta Short and their professional team have been successful Mortgage Brokers since 1999. Over the years, they have helped thousands of customers, both in Australia and abroad, achieve their property goals: buying their first house, refinancing, consolidating debts, relocating and building their investment property portfolios. Need a personal loan or car finance? They can arrange that for you too.

John and Peta work hard to earn your repeat business and referrals. They know you're busy, which is why they do all the legwork to save you time, energy and stress - leaving you to enjoy this exciting time in your life.

Best of all, as Mortgage Choice brokers, they don’t charge to find the right loan for you.

They 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. Don't take the risk that the one bank you walk into will best suit your needs, when in one meeting with Mortgage Choice we can compare your requirements with over 20 of Australia's biggest lenders.

Contact Craig or John today on 07 3855 1350.

After hours appointments are available on request.

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

Craig was such a massive help in our journey of buying a home. Any questions we had he would happily answer them and if he didnt have the answer he pointed us in the right direction. I couldnt recommend Craig and the team more.

Hayley
25 May 2024

Craig and his team were excellent. We had a refinance and purchased our first investment property at the same time. Craig navigated the whole process for us, kept us informed and was always there to answer any questions we had.

Moore
22 May 2024

Craig and his team were brilliant. As a first home buyer, he explained the whole process carefully and clearly. I really appreciated that he was consistently available over the phone and in person. The whole process would have been so much more difficult and stressful without his help. He really is just a genuinely good bloke who wants to see you reach your goals. Id recommend him to anyone.

Dan
07 February 2024

HIGHLY RECOMMEND
Craig and his team are amazing. No question or task was too big or small. Craigs knowledge, calmness and support during this stressful time gave us so much comfort, making the whole process a lot easier. This is the second time we have gone through Craig and his team, and we cannot recommend them enough Thank you Craig and team, well be in touch again soon

11 January 2024

Craig made the experience of buying our first home very simple and stress free. He was extremely helpful and effectively communicated with us every step of the way

Tiarne
27 October 2023

Craigs expertise really gave us peace of mind when choosing our home loan. Throughout the loan process, Craig was an excellent communicator and made the application process streamlined. We have used Craig on two occasions now and really trust his knowledge of the industry. We highly recommend Craig and his team at Mortgage Choice to tailor the best loan for your needs. Even after the loan, Craig continues to provide support when needed.
S N

Babee
15 August 2023

Craig was outstanding and a great help in assisting us to navigate through the minefield of applying for an investment loan and refinancing a current loan. Craig was always available to answer questions and provide accurate and timely advice. Craig was always calm and offered solutions when required. We would have no hesitation in recommending Craig to help people achieve their financial goals.

Sophie
13 August 2023

I have utalised Craig at Morgage Choice Stafford for my original morgage and just recently for refinance assistance. Craig has excellent service skills, he goes above and beyond to make the process as straightforward, stress free and easy to understand. Craig is easy to talk to and is always available if you need to ask questions. I highly recommend Craig at Morgage Choice Stafford, and will look forward to working with him again if needed in the future.

Jessica
08 June 2023

Craig was helpful through the entrie process after our first broker let us down. He secured the loan, which helped us purchase our first property. Thank you very much to Craig and his team.

Lindsay
06 June 2023

Craig and his colleagues are fantastic to deal with Not only do they answer all your questions but make the process super smooth and worry free Could not recommend enough. I now have a fabulous home loan with a good rate. Can't thank the mortgage Choice team enough

Kiah
01 June 2023

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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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.