Multi-award winning team of Mortgage Brokers in Wynnum - Brisbane's Bayside and the Redlands

Call: 07 3823 5858

Looking for help with your Home Loan or need a reliable Mortgage Broker to help you achieve your property dreams?

Our team at Mortgage Choice in Wynnum in Brisbane's Bayside and the Redlands are your local Mortgage Brokers and Home Loans specialists. Recently awarded the top Broker for Mortgage Choice in Australia 2024!

Let us help you begin your home loan journey here.

Call Us Mortgage Choice Wynnum
Office - 07 3823 5858
Fax - 07 5508 2204

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

Address

Shop 4, 123 Bay Terrace WYNNUM, QLD 4178

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Are you looking to buy your first home, refinance, buy an investment property or even upgrade the home you have now? Or are you on the hunt for a reliable Mortgage Broker?

Look no further! The team at Mortgage Choice in Wynnum in Brisbane's Bayside and the Redlands are here to assist with all your financial needs and goals. We service Capalaba, Cleveland, Thorneside, Victoria Point, Wynnum, Manly and all surrounding suburbs.

As award winning Mortgage Brokers, our experienced team at Mortgage Choice in Wynnum in Brisbane's Bayside 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

At Mortgage Choice in Wynnum we do all the hard work for you. By contacting us and spending a few minutes explaining what it is you are looking to do, your dream and how you wish to achieve it, as home loan specialists we begin our process.

As your Mortgage Broker we conduct all the research and find the most suitable home loans for your specific situation, at which point we then invite you to our Wynnum office to sit with us and discuss your options in detail.

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

Taking the confusion out of the home loan process – providing you with professional financial and home loan advice
Completing all the paper work with you and submitting your application to your chosen lender on your behalf
Providing support and guidance throughout the entire home loan, personal loan or business loan process
Ensuring you are given ongoing support for your existing and all future home loans and personal loans
Provide you with a selection of home loan options from which you can choose and explain the features, fees, costs and other details associated with each loan option
Communicate with your chosen lender throughout the process and keeping you up to date along the way
Ensure that your home loan experience is as stress free as possible

Contact us, your local Mortgage Broker and Home Loan Expert today!

Mortgage Choice in Wynnum in Brisbane's Bayside

(07) 3823 5858 or email sales.bayside@mortgagechoice.com.au

AVAILABLE FOR AFTER HOURS APPOINTMENTS!

Servicing Capalaba, Cleveland, Thornside, Victoria Point, Wynnum, Manly and all surrounding 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

Mortgage Choice made it so simple when first applying for my current home loan. They then helped me refinance the same loan with such ease. I wont be going anywhere else.

Denver
11 December 2024

Really helpful service from our broker Carissa. We saw her earlier in the year to get guidance on how much we could afford. In November we found our new home and the whole process has been seem less ever since. She made recommendations for affordable solicitors and arranged the communication between us. We would recommend Carissa and the team at Bayside mortgage choice, especially for first home buyers who need some extra guidance.

06 December 2024

Carissa was incredibly responsive and knowledgeable about the mortgage pre-approval process, and handled our case efficiently and professionally

Leah
01 December 2024

Carissa and her team have been amazing from the get go in helping purchase an investment property. She and her team went above and beyond to ensure we were fully informed and engaged throughout the process. She and her team also have great relationships with other local professional teams to ensure we have end to end support through the process. This continued even when we were overseas. I would recommend Carissa and her team in a heartbeat

29 November 2024

Carissa and her team were excellent, providing timely service and follow up. Highly recommend

Claire
15 November 2024

Carissa was amazing Made the whole process super easy, exciting and seamless. Could really tell she cared and wanted to do whats right for us. Would definitely recommend her and Mortgage Choice

Christie
22 October 2024

Great overall experience Carissa and the team at Mortgage Choice made the whole process of getting a home loan very simple. Every question or concern I had was answered by the team. If the process of buying a house is confusing or scary for you, then I 100 recommend

Jesse
24 September 2024

Good experience, found Carissa and team helpful in the process. Highly recommend

Rueben
21 September 2024

Our experience with Carissa was top notch. She kindly accommodated our schedules when setting up meetings, walked us through everything step by step, and made the entire process of applying for pre-approval feel easy and seamless.
Carissa is clearly very knowledgeable and answered all of our questions in a way that was easy to understand being new to the market we had a LOT of questions.
Communication was super prompt, kind and professional. We couldnt have asked for a better experience

Steph
19 September 2024

Carissa assisted my partner and I in the sale of our first home and, subsequently, the purchase of our second property. As we were totally unaware of the inner workings of selling, Carissa was an amazing support network for us. Carissa was organised, prompt and incredibly helpful in assisting us in navigating a home loan and the complexities involved. She made the process seamless and gave us a gr... read more

Indiana
02 September 2024

Property investor guide

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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.

Click here for more information on the WA First home Owner Grant.