Gold Coast Home Loan Specialists in Helensvale, Nerang & Pacific Pines

Call: 07 5593 6642

Peter and Amanda are your local Gold Coast Mortgage Brokers and will give you expert financial and home loan advice. Servicing the Northern Gold Coast including Helensvale, Nerang, Oxenford, Carrara and all surrounding suburbs. Book your FREE appointment today by calling 5593 6642.

Call Us Mortgage Choice Helensvale
Office - 07 5593 6642
Fax - 07 5593 6652

Open Hours Mortgage Choice Helensvale
9am to 5pm Monday to Friday
After Hours and Weekends by Appointment
Free Appointment

Address

Shop 6b Helensvale Convenience Centre, 112 Discovery Drive HELENSVALE, QLD 4212

Our top 5 lowest interest rates available

Fixed rates
Variable rates

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.

^T&Cs apply, see https://www.mortgagechoice.com.au/win-25k/. Open to AU res 18+. Home loans over $50,000 only. Ends: 11:59pm AEDT 5/4/24. Limit 1 entry per home loan application. Draw: G13, Amy Close, Wyong NSW 2259 on 11/4/24 at 11am AEST. Prizes: 2x $25,000. Winners published at www.mortgagechoice.com.au and on Mortgage Choice’s social media accounts on 18/4/24. NSW Authority No. TP/ 02259. ACT Permit No. TP24/ 00095. SA Permit No. T24/ 86. Mortgage Choice Pty Ltd ACN 009 161 979 (Australian Credit Licence 382869) and Smartline Operations Pty Ltd ACN 086 467 727 (Australian Credit Licence 385325) are owned by REA Group Ltd.

We work hard for the most important person - you!

Let our team of local home loan experts take the stress out of the home loan process and do all the legwork finding you the right home loan for your needs. Book your free appointment today.

Talk to us if you are

A first home buyer
Building a new home
Investing in property – including loans for self-managed super funds
Keen to save with debt consolidation
Refinancing a current loan
Planning renovations.

We invest time getting to know you, and your goals. Then we analyse hundreds of home loans to find the loan most appropriate to your goals.

We give you clear choices, with recommendations of the loans best suited to your needs from our extensive panel of lenders - not just the big banks, but also smaller lenders who may offer specialist home loan options.

We’ll even manage the entire loan process - from application through to settlement. And as a Mortgage Choice broker, we do not charge you for our home loan service.

Informed, expert home loan help

We look forward to helping you achieve your property dreams – and making your loan process simple, streamlined, and hassle-free.

FREE RP Data Property Reports

Ask about our FREE RP Data property reports – a valuable tool when you are a first home buyer, upgrading, or investing.

We can also assist with competitive:

Personal Loans
Life and General Insurance
Commercial Lending
Equipment and Vehicle Leasing

When you are ready to make the next move, or just want to explore some options, call Amanda Thomas at Mortgage Choice on 07 5593 6642 to arrange an appointment at a time and place that suits you.

We provide expert home loan help in Arundel, Ashmore, Benowa, Bundall, Carrara, Cedar Creek, Coomera, Coombabah, Helensvale, Hope Island, Labrador, Maudsland, Merrimac, Nerang, Oxenford, Pacific Pines, Parkwood, Runaway Bay, Sanctuary Cove, Southport, Upper Coomera and all surrounding Gold Coast suburbs.

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 first met Alynta when she proactively organised a rate cut for my mortgage. Then when I was ready to sell my house and get another loan, she was very responsive to all my emails and helpful with my questions and requests throughout the whole process. In the end my loan was approved in record time 2 days. I recommend Alynta at Mortgage Choice Helensvale.

13 November 2024

I highly recommend Mortgage Choice at Helensvale. They made the refinancing of my property easy and provided important financial advice as I navigated the process. Special mention to Peter Thomas and Alynta Page, thankyou both for your patience and understanding of my situation, your professionalism, knowledge and level of care was exceptional. Thank you

22 October 2024

Excellent service with refinancing home loan

20 September 2024

Thanks very much, to the mortgage choice team You guys as always have been fantastic to work with. Brilliant, efficient, reliable, friendly service

Danielle
08 September 2024

The team at Mortgage Choice Helensvale have been incredibly helpful from start to finish. I refinanced my house while purchasing an investment property and selling a foreign property at the same time. Furthermore, despite living in Australia for less than 2 years, something which other companies had seen as an impediment, the team were great in matching my particular circumstances with suitable lende... read more

Theo
18 June 2024

I recently secured my first home mortgage through Mortgage Choice, and I couldn't be happier with the experience. Amanda and the team were incredibly supportive and professional throughout the entire process. Their expertise and dedication made everything smooth and stress-free. I highly recommend Mortgage Choice for anyone looking for top-notch mortgage services. Thank you, Amanda and team, for making my dream of owning a home a reality

Den
20 May 2024

A service. Amazing service from Amanda and the team, very professional all the way. Went far and beyond to ensure we had a successful and easy journey. Great friendly team. Thank you, Allison and Nathan

Allison's
16 May 2024

Fantastic service, made the process so easy. Friendly and helpful each step of the way. Highly recommend. Thank you Peter Thomas and the Helensvale team.

Rashid
01 May 2024

Fantastic service, made the process so easy. Friendly and helpful each step of the way. Highly recommend. Thank you Peter Thomas and the Helensvale team. ?

Rashid
01 May 2024

Peter is fantastic. Really appreciated his advice and guidance.

Melissa
02 March 2024

Property investor guide

If you are looking to invest in property or simply exploring the possibilities, this guide will help you navigate the steps involved to kickstart your property investment journey.

Download now

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.