Mortgage Broker Albany Creek – No Fees, over 35 Lenders, Great Rates

Call: 0493 973 729

At Mortgage Choice Albany Creek, we offer great rates, access to 35 lenders, and NO broker fees. Book your online or face-to-face appointment today.

Call Us Mortgage Choice Albany Creek
Mobile - 0493 973 729
Office - 0493 973 729

Open Hours Mortgage Choice Albany Creek
9-5 Monday- Friday or by appointment.
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Address

1/715 Albany Creek Road ALBANY CREEK, QLD 4035

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Welcome to Mortgage Choice Albany Creek

Your Local Mortgage Broker – With over 35 Lenders, Great Rates, NO Broker Fees

At Mortgage Choice Albany Creek, we’re committed to helping you find the right home loan. With access to over 35 lenders, we provide you with tailored advice and competitive rates, without charging you any broker fees. Whether you're a first-time homebuyer, refinancing your current loan, or investing in property, we're here to make the process simple and stress-free.

Why Choose Us?

35 Lenders: We compare loans from a wide range of banks and lenders to ensure you get the best deal.
No Broker Fees: You pay nothing for our service – no hidden costs or surprises.
Expert Advice: Get personalized guidance to choose the loan that fits your needs and financial situation.
Online Booking & After-Hours Availability: Schedule a video call or face-to-face meeting at a time that suits you, even after hours.

How We Can Help

First-Home Buyers: We simplify the home loan process, guiding you every step of the way.
Refinancing: Get a better rate or consolidate your debt with a new loan.
Investors: Discover competitive loan options to expand your property portfolio.

Contact Troy today!

If you're ready to speak with a home loan expert, touch base with Troy this week and get started on organizing your home loan today!

Your Local Mortgage Experts in Albany Creek, Eatons Hill & Bridgeman Downs

At Mortgage Choice Albany Creek, we take the hassle out of finding the perfect home loan. With access to over 35 lenders, no broker fees, and personalized service, we're here to make your home loan journey smooth and stress-free. Whether you're a first-home buyer, refinancing, or investing, we've got you covered!

Why Choose Mortgage Choice Albany Creek?

Mortgage Brokers Albany Creek – Discover tailored home loan solutions with competitive rates, all with no hidden fees!
Mortgage Brokers Eatons Hill – Access personalized, expert mortgage advice designed to help you secure the best deal, hassle-free.
Mortgage Brokers Bridgeman Downs – Let our experienced team compare hundreds of loan options to find the best one for your situation.
Investment Loans – Grow your property portfolio with flexible, competitive loan options to maximize your investment potential.
Refinancing – Save money with a better interest rate, or consolidate your debt for simpler repayments.
Fixed vs Variable Interest Rates – Confused about fixed vs variable? Check out our quick video to learn the benefits of each and which is right for you!

We Do All the Legwork for You

As your local mortgage experts, we take care of everything—from comparing lenders to completing the application—so you can focus on your future home. Best of all, we don’t charge you a cent!

Ready to get started? Contact Troy, your trusted local Mortgage Broker, and let’s find the right loan for you today!

Contact Troy today!

Start your property journey with our free guides!

Our property guides provide further information which may assist you with your home loan, no matter if it's for your first home or for an investment property.

Download our guides now!

If you're ready to speak with a home loan expert, touch base with Troy this week and get started on organizing your home loan today!

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

Troy has been a great person to get my mortgage through. He is friendly and knowledgeable, and keeps you up to date with all the information as it comes through. He was able to fast track my loan so I could get the finance quickly helping me win the bid on my new home. I highly recommend anyone who is looking to get finance for their next home to contact Troy, you won't regret it.

David
08 November 2024

Troy is an excellent mortgage broker who genuinely cares about his clients. His expertise in loan options helped me navigate the mortgage process with ease. I was impressed by his reliability and consistent communication throughout. I highly recommend Troy to who is seeking assistance with a mortgage.

Love
21 October 2024

We had an exceptional experience working with Troy from Mortgage Choice. From the very beginning, Troy went over and above to ensure we had all the information we needed to secure a fantastic rate for our home purchase. His dedication and commitment were evident as he worked tirelessly to gather the necessary documents and details quickly, making the entire process seamless and stress-free.
Troys experti... read more

Michael
02 July 2024

Troy was a pleasure to deal with and an absolute expert in his field. The process was made so simple by Troys knowledge and organization. I highly recommend Troy and will definitely be back to see him again

Mark
12 June 2024

Troy was a pleasure to deal with and an absolute expert in his field. The process was made so simple by Troys knowledge and organization. I highly recommend Troy and will definitely be back to see him again

Mark
11 June 2024

Troy and the team were really helpful to make the process as simple as possible. They also kept me up to date with everything I would want to know when looking for a property

Antony
07 June 2024

Troy and his team have been fantastic in helping us secure the most competitive finance options where others failed. It has been an absolute delight working with him, and we have already decided to continue working with him for our future portfolio needs. We highly recommend Troy and his team to anyone looking for a knowledgeable, efficient, and result-driven team.

King
23 April 2024

Cannot thank Troy and his team enough for all the support that was provided throughout our home buying experience From our initial getting an idea chat to answering all of our in between question and closing out the deal, he was an absolute dream to work with Super grateful to have had his support Thanks again

23 April 2024

Troy made the entire process easy, he has been very approachable and helpful with great communication. Highly recommend others to utilise his expertise and we've have told our friends the same

28 November 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 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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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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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.