Mortgage Broker in Currimundi servicing Caloundra, Aura and surrounding suburbs on the Sunshine Coast

Call: 07 5390 9766

For help with your home loan and to achieve your property dreams Mortgage Choice in Currimundi is your local specialist on the Sunshine Coast. Servicing Buderim, Maroochydore, Mooloolaba and surrounds

Call Us Mortgage Choice Currimundi
Office - 07 5390 9766
Fax - 07 5476 9328

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

Address

5A/710 Nicklin Way CURRIMUNDI, QLD 4551

Latest home loan interest rates

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Property goals on the Sunshine Coast

If you're looking to get into your first home, or a new home, buy an investment property or just make sure you aren't paying too much on your current home loan repayments, come and talk to us.

We have years of experience helping customers just like you achieve their goals, and our knowledge of the local area means we can also help out with recommending conveyancers, real estate agents and understanding the property market.

What are your goals?

Even if you are not sure you are quite ready, it pays to talk to us when you are thinking about:

buying you first home
investing in property
refinancing your loan if your repayments are high or you want to free up some cash
consolidating your debt

Expert advice

We know that making money decisions can sometimes feel like it's going to be too hard and complicated, but that's exactly why we are here to help. We can guide you through the process - we know exactly which steps you need to take - and we work with the lenders on your behalf. If you need to send in forms, we'll help you get them ready and in the right shape to send off to a lender.

Helping you make better choices

It can also seem like there is an overwhelming amount of choice. With so many banks and lenders offering so many different types of loans, you may worry that you'll choose the wrong deal and end up paying too much. We work with an extensive panel of lenders, and focus on your individual needs and goals, so we can match you with a loan that suits you. We'll narrow your choice right down for you - but the final decision will still be yours.

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..

Talk to us today on 07 5390 9766

We'd love the chance to chat to you about what you are trying to achieve and how we can help.

"What can I say - Pete Solomon is a man of miracles. I cannot speak highly enough of this wonderful man who has literally bent over backwards to ensure our family got the house of their dreams and is now helping us to build the business of our dreams.

Pete genuinely cares about your financial and personal wellbeing and we feel so fortunate to have found him at a time we needed him most.

Thank you so much Pete - you are an absolute legend! xx"

- Nicola & Trent Chaffey (Refinancer) Valdora, QLD

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

Pete and the team were excellent and made the process of re-financing a breeze.

Scott
21 November 2024

We highly recommend Pete and his team From start to finish, they delivered outstanding service, guiding us through every step of the mortgage process with clarity and care. Their responsiveness and clear communication made everything feel seamless and stress-free. Pete and his staff are genuinely dedicated, working hard to ensure we received the best possible outcome. If youre looking for a reliable and supportive mortgage team, look no further

Jared
06 November 2024

Pete and the team were fantastic every step of the way. I highly recommend them

Michelle
17 October 2024

The team at mortgage choice is all great. I asked a very large amount questions and made a lot of phone calls. They always made time for me and have a deep understanding of the process and what we as the buyer need to know and do.
In our situation in particular they went above and beyond for us, as our solicitor was very un-helpful and hard to reach. Mortgage choice were far more helpful than our solicitor and made the process a million times less stressful.

Daniel
12 October 2024

We would like to say a big thank you to Pete and the mortgage choice team Our process has been amazing and all the questions we had, were explained simple and highly communicated to us.
Thank you so much and 100 recommend .

Dannica
08 October 2024

I could not recommend high enough of using Pete and his team for any of your brokerage needs. The ability they have to make such a huge process of buying a house so smooth and fun was unbelievable. Not only helping me get my first house but making a great mate along the way.
Cheers Pete and team.

Kurtis
30 September 2024

Pete, Michelle and Grace are amazing They made getting our first home loan a simple stress free experience. They provided constant and clear communication throughout the process, they are supportive and super knowledgeable. Forever grateful. Thank you guys
- Ella and Daniel

Ella
30 September 2024

I was recommended Pete from a complete stranger, and from the moment we had our first conversation I understood exactly why someone else had so confidently suggested him. I was so relieved I got to go through this process with someone so genuinely helpful and positive especially being someone who lives interstate this relationship was so reassuring to have with a broker knowing I could still rely on... read more

Christina
23 September 2024

Pete and all of his team were amazing. As a first home buyer and not knowing anything about home loans etc. the team were super helpful providing me with all the information I needed and pointing me in the right direction. Could not recommend them enough

Macca
11 September 2024

We came to Pete, Michelle and Stephanie to refinance a current loan and seek out an investment loan. We could not fault the service and products recommended by the MC team. We were possibly the slowest and most painful clients to deal with as our circumstances changed throughout the process but Pete and the gang met us at every step and made the process so easy and successful. We will use them again in the future

10 September 2024

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You could borrow up to

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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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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.