Multi-award-winning Mortgage Brokers & Home Loan experts on the Gold Coast - Miami, Burleigh & Palm Beach.

Call: 07 5508 2205

Are you seeking expert guidance for your Home Loan or a reliable Mortgage Broker to help you achieve your property dreams?

Look no further than the experienced team at Mortgage Choice in Miami, Burleigh & Palm Beach—your local home loan specialists and Mortgage Experts on the Gold Coast.

Our dedicated team has been recognized as the Number 1 Broker in Australia for 2024 by Mortgage Choice, reflecting our commitment to excellence and client satisfaction.

Let us help you begin your home loan journey here.

Call Us Mortgage Choice Palm Beach
Office - 07 5508 2205
Fax - 07 5508 2204

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

Address

Shop 2, 28 Palm Beach Avenue PALM BEACH, QLD 4221

Expert Mortgage Brokers in Miami, Burleigh & Palm Beach on the Gold Coast

Are you planning to buy your first home, refinance your existing mortgage, invest in property, or upgrade your current residence? Look no further than Mortgage Choice in Miami, Burleigh & Palm Beach. Our award-winning team of mortgage brokers is dedicated to helping you achieve your financial goals with tailored solutions and exceptional service.

Comprehensive Home Loan Services

As award winning Mortgage Brokers, our experienced team at Mortgage Choice in Miami, Burleigh and Palm Beach on the Gold Coast offer excellent advice, outstanding customer service and can provide the best deal across a range of services, including:

First Home Buyer Loans
Residential Home Loans
Investment Loans
Refinancing Loans
Contruction Loans
Commercial or Business Loans
Car Loans
Personal Loans
Equipment Finance
Debt Consolidation

Our experienced brokers simplify the loan process by handling all the research, paperwork, and negotiations on your behalf, ensuring a smooth and stress-free experience.

Proudly Assisting Homeowners Across the Gold Coast

We proudly assist clients in Palm Beach, Elanora, Currumbin, Tugun, Coolangatta, Tweed Heads, Miami, Burleigh and all surrounding Gold Coast & Northern NSW suburbs.

Why Choose Mortgage Choice?

As your local Gold Coast Mortgage Broker and Home Loan Experts we will make the process easy, painless and hassle free with:

Access to hundreds of loan products from Australia's leading lenders
Personalized advice tailored to your financial situation
End-to-end support throughout the loan process
Commitment to finding the best deal for you
Award-Winning Expertise
Comprehensive Services
Local Knowledge
Client-Centric Approach

Mortgage Choice in Miami, Burleigh & Palm Beach

(07) 5508 2205 or email sales.palmbeach@mortgagechoice.com.au

AVAILABLE FOR AFTER HOURS APPOINTMENTS!

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

As first time home buyers, working with Ian took out majority of the stress, we highly recommend He explained everything in detail to help us understand the process, was always a quick response or phone call away. Thanks Ian.

27 May 2025

Ian and the team at mortgage choice made the process super simple and stress free. 1010 would recommend

Geordie
06 May 2025

Ian at mortgage choice Palm beach has been so patient and supportive during the process of buying our first home. He has made the entire process smooth, and stress free. Thanks heaps 100 recommend.

Lucy
06 May 2025

Angela Moore is an amazing broker. She is personable, knowledgable and professional. She is very responsive and has a proactive team supporting her. We have done two mortgages now with her and the process has been seamless, quick and easy. She gets the job done, no fuss, no jargon and as a busy business owner who appreciates prompt action, I cannot recommend her more highly.

Cassandra
05 May 2025

This is the second time we have worked with Ange and her team and we cant be happier with the experience. Ange and her team have been amazing every step of the way. Their customer service is exceptional, with outstanding communication throughout the whole process. Ange and her team made buying a property a stress free experience and we are so grateful we had them by our side for the whole experience.

Katie
21 April 2025

Ian is extremely easy to working with. Very transparent and helpful Highly recommend. Everyone is the office is really lovely too

Steph
02 April 2025

I had the pleasure of working with Ange and team and I cannot recommend their services highly enough. From the start they made a daunting process feel smooth and manageable. Their in depth knowledge of the industry and dedication to finding the best suitable loanrate for my situation truly sets them apart. Ange took time to explain every step of the processcommunication was excellent
Thanks again Angela Moore Your professionalism and responsiveness was amazing

Jane
29 March 2025

The team were easy to deal with and made the decision to change bank smooth and painless.

Greg
26 March 2025

The team at Mortgage Choice were clear and helpful and guided me through the financial side with efficiency and care. Id use them again

Alex
03 March 2025

I pretty much never write reviews, but Ian Colwell @ Palm Beach branch was an absolute pleasure to work with. If you want someone who is really approachable honest, I couldn't recommend anyone more highly. Her also did a lot of research into some of my weird banking requests and we got a great outcome for our loan that suited our daily banking as well
Thanks again Ian

Louisa
27 February 2025

Property Ownership

This guide outlines the essential steps to achieving property ownership, starting from the first appointment with a mortgage broker all the way to settlement.

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You could borrow up to

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/ month
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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.

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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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Total fees:

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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.