Mortgage Broker & Home Loan Specialist - Yorke Peninsula, Copper Coast, Mid North and surrounding areas

Call: 0499 051 422

Need help with your finances? We are the experts when it comes to home loans and regional lending on the Yorke Peninsula, Copper Coast, Mid North and surrounding areas.

Our team is passionate about working with people in our local community to achieve their financial goals.

Call Us Mortgage Choice Kadina
Office - 0499 051 422

Open Hours Mortgage Choice Kadina
Flexible appointments including after business hours to work around your schedule. Call 08 88213446
Free Appointment

Mobile Broker

Servicing the Copper Coast and Yorke Peninsula. Meet us in a location convenient to you!

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There are thousands of different finance options out there so why not use someone local when you purchase a new home, build or refinance your existing home loan?

As your local Mortgage Choice franchise on the Yorke Peninsula, Copper Copper Coast and Mid North, our team are passionate about working with people within our local community to help them achieve their financial dreams and goals. These are the people we see at the local shops, in the school yard and at local events.

The home buying and loan process can be daunting and stressful but we can make it easier by working closely with other local providers such as real estate agents, conveyancers, builders and bank branches to ensure that you receive exceptional customer service at every step of the way.

Start your home loan journey today

Call us on 08 88213446 or Send us an Email

Book an Appointment with Carlee

Services we offer:

Home Loans
First Home loans
Investment loans
Upgrading to your next home
Home loan refinance
Home loan health checks
Construction lending
Debt Consolidation
Loan Top Ups (Renovations, Car or Holiday)
Personal Loans
Car Loans

We have access to hundreds of home loans from over 30 banks and lenders. If you are looking to buy a new home, investment property, build a home or even refinance your current home loan we are here to help.

Ready to start your home loan journey with our help? Give our office a call today on 08 88213446 or email carlee.horsell@mortgagechoice.com.au

Appointments are available to suit your schedule (including outside business hours) and can be done in your home, by phone or by zoom

We service the Yorke Peninsula, Copper Coast and Mid North areas including Kadina, Wallaroo, Moonta, Port Hughes, Ardrossan, Minlaton, Jamestown, Clare, Port Pirie and surrounding towns

Call us on 08 88213446 or Send us an Email

Book an Appointment with Carlee

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

Carlee and the team at mortgage choice were fantastic to deal with. They made the process so simple and very personal. I knew exactly what they needed from me and what to expect. Highly recommend

Hayden
05 November 2024

Carlee made the whole process so easy and answered all our questions when ever we had one at any time. Can not thank them enough. Best experience ever.

Matt
29 May 2024

Super professional, extremely streamlined and informative the whole process from start to finish. Carlee and her team are not only knowledgeable but friendly, helpful and supportive making what could be a stressful experience into a positive and confident one Many thanks againwe wont hesitate to use your services once again as youve never let us down the last two times weve had you on board

Tracy
14 May 2024

Carlee went above and beyond to accommodate my needs. I would highly recommend Mortgage Choice Kadina to my family and friends.

Carlee
20 March 2024

Carlee and Corey were very knowledgeable and great to deal with, they always kept us informed all through the process. We would definitely recommend Mortgage Choice Kadina

Daniel
30 October 2023

Prompt, professional service. After being given the run around by an adelaide based broker which we'd previously used, a quick email to Carlee, saw a meeting teed up within 48 hours and a pretty smooth process from that point on. Definitely recommend for anything finance based

Nathan
08 October 2023

Very friendly, quick response and totally committed. Would recommend this service 100

Shaun
03 October 2023

Carlee horsell is the best

leah
30 August 2023

They are very helpful and friendly people, if you have any questions they are always glad to help you. We were are so pleased with the customer service that we would recommend them to anyone

Karen
12 July 2023

Excellent service outstanding communication and knowlege A

tracy
21 November 2022

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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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.