Your award-winning local mortgage broker and home loan specialist in Mango Hill & Brisbane North Qld. Enjoy a positive loan experience with Michael's expert advice, knowledge and customer satisfaction.

Call: 07 3482 2744

Looking for a home loan? Talk to Michael Kidman, your local Mortgage Choice broker in Mango Hill & surrounding suburbs such as North Lakes, Kallangur, Redcliffe and Brisbane North QLD. Let us research and compare lenders for you.
Michael will take you in the right direction when you require:
-Home Loans
-Investment Loans
-Refinancing and debt consolidation
-Specialising in DHOAS loans (Defence lending)
-Personal Loans
-Car Loans
-Commercial loans and leasing

Call Us Mortgage Choice Mango Hill
Office - 07 3482 2744

Open Hours Mortgage Choice Mango Hill
Monday - 9.00am - 5.00pm
Tuesday - 9.00am - 5.00pm
Wednesday - 9.00am - 5.00pm
Thursday - 9.00am - 5.00pm
Friday - 9.00am - 3.30pm
Free Appointment

Address

12/1751 Anzac Avenue MANGO HILL, QLD 4509

How can Mortgage Choice Mango Hill assist you?

Michael and the team at Mortgage Choice Mango Hill can access thousands of home loan products from more than 35 lenders. You can also access a range of loan options exclusive to Mortgage Choice customers.

Michael can also assist with Defence lending (DHOAS Specialists) along with Home loan, Investment, Refinancing and much more.

Regardless of what stage of the home buying process you're at, we can offer expert advice to help you secure the best home loan for your circumstances.

We'll assist you with your application, and take care of the paperwork, keeping you informed of the progress of your loan all the way to settlement.

We don’t charge to find the right loan for you

Your broker is 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.

Michael Kidman and his Mortgage Choice team service the Moreton Bay Region including Mango Hill, North Lakes, Petrie, Strathpine, Narangba, Bracken Ridge, Chermside.

Call us today on (07) 3482 2744

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 cannot speak highly enough of my experience when I reached out to Michael and Theresa. What I thought was going to be a straightforward refinance of my mortgage. Ended up being a bit more difficult due to my circumstances. Michael and Theresa went above and beyond to ensure they could help me, they kept me up to date throughout the entire process.
They pride themselves on giving exceptional customer service.
Thank you again and look forward to having you reassess my loan needs in the future.

J
29 October 2024

Thank you once again.the A team Michael and Theresa you guys are the Best

myline
10 October 2024

We recently worked with Mortgage Choice Mango Hill and were extremely satisfied with the service received. The team was knowledgeable, responsive, and guided us through every step of the mortgage process with ease. They tailored options to our needs, making the experience stress-free. Highly recommend

BRAD
24 September 2024

Great customer service
Will highly recommend

Toni
13 May 2024

i Would Definitely recommend Mortgage Choice, Michael and Theresa are so professional and there communication in the process are second to none. Been with them for years.

Brian
04 April 2024

Had a few issues throughout the process, but Theresa and Michael were the most positive part of the whole experience. Going above and beyond and offering helpful advice.
Could not recommend them enough.

Sam
01 November 2023

Thank you for your assistance sourcing our home loan, helping collate all our documents and corresponding through the entire settlement process.
Appreciate your efforts for a seamless transaction.
Hope you have a great weekend
Kind regards,
Shona Andrew

Shona
25 August 2023

Excellent customer service.
Michael and Theresa going way beyond all help required.
Always available and willing to help with every detail.
We would highly recommend choosing this Mortgage Choice at Mango Hill.
Brendon and Julie Kendall

Brendon
29 June 2023

Michael and his team was so helpful. I would highly recommend if you are looking at changing your mortgage consider Michael and the team.

Kayleen
09 June 2023

Michael, Theresa and the team once again have seamlessly managed our re-financing. What might be seen as a daunting process was completed quickly and with minimal interfacing.
Thanks guys
Highly recommend.

mal
23 January 2023

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

PAYG Self Employed

My monthly income before tax

Rental income

My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

You could borrow up to

Repayments
/ month
Expenses
Remaining

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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

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.

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

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.