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David Alderdice - Mortgage Broker servicing the areas of Toowoomba, Darling Downs, Roma, Warwick & Palm Beach
Middle Ridge
4.9
(143+ total reviews)
Aggregated from:
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Call Us
Mortgage Choice Middle Ridge
- Mobile - 0405 123 899
- Office - 07 4646 4233
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Open Hours
Mortgage Choice Middle Ridge
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Monday - Friday: 9:00am - 5:00pm
After hours by appointment - Free Appointment
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Start your home loan journey today
Services
As a trusted mortgage broker, David helps his clients not just with their immediate borrowing needs but with their long-term financial goals. He is dedicated to providing outstanding customer service and provides ongoing support to clients along their journey.
- Home loans
- Investment loans
- Refinance loans
- Construction loans
- Renovation finance
- Equity release
- Deposit Bonds
- Bridging loans
- Personal Loans
- Car and asset finance
- Business equipment finance
- Commercial property finance
- Business loans
Areas I service
David can provide expert advice and assistance for all your loan requirements, including construction lending. He is mobile across Queensland’s south coast, including but not limited to:
- Palm Beach
- Toowoomba
- Darling Downs
- Warwick
- Roma
What is your borrowing power?
When you're looking to purchase your property, it's important to have a good understanding of how much you can borrow. We know that finding out how much you can borrow for a property can be a bit confusing, which is why we have some great resources at your disposal.
Why not check out our easy-to-use home loan calculators here or get in touch with David to discuss your unique situation.
Also, consider downloading our range of free property & home loan guides that will have all the information you'll need when researching purchasing your first home, investment or refinancing options.
Check your borrowing capacity
Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing in the areas of Toowoomba, the Darling Downs, Roma, Warwick and surrounds, we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!
Check out our free home loan calculators here or get in touch with us to discuss your unique circumstances.
Ready to kickstart your journey to homeownership?
We’ll assist you along the way and do all the legwork for you! Call David today on 0405 123 899.
The right home loan for your needs
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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
David has been our mortgage advisor since 2004 when we bought our very first home. Since then he has efficiently and confidently assisted us to purchase other homes here in Australia and Scotland. His Team now with Georgia and Vanessa continue to provide such a high standard of care and explanation through the property purchase process. Highly recommended
Anthony
05 December 2023
David and Georgia have been fantastic to deal with and we highly recommend their services. Their knowledge and advice makes the process smooth and less stressful. We wish we had of known them when we bought our first home
Carla
21 September 2023
David and Georgia are EXCELLENT, I have recommended their services to 3 other friends so far and will continue to do so, they have made the process of applying for our first homeloan so easy and basically stress free. Highly recommend if you are looking for a Mortgage Broker.
Thanks guysTash
19 February 2025
David and Georgia were very prompt, available and responsive to assist us finding the right lender and getting through the whole process seamlessly. Thanks for you outstanding service
Mr
01 December 2024
I recently purchased a new property with David's and his team. The unwavering commitment for service and a stress free process from start to finish is outstanding.
Both David and Georgia go above and beyond for their customers. Something you don't see a lot of these days and is extremely comforting when you do. I have used David for many property transactions and advice over the years and the dedic... read moreAshley
09 June 2024
I highly recommend David as an effective mortgage broker. He helped us immensely and answered our endless questions. Thanks goes to Georgia as well who smoothed out all the paperwork in the background.
Rebecca
28 May 2024
I recently purchased a new property with David's services. The unwavering commitment for both service and a stress free process from start to finish from both David and Georgia, where they go above and beyond for their customers is outstanding. Something you don't see a lot of these days and is extremely comforting when you do. I have used David for many property transactions and advice over the ye... read more
Ashley
22 May 2024
My husband and I used David and Georgia to refinance our home and they got us the best deal for us, recently I asked them again to help with a much smaller loan, and they took just as much care with it even though such a small loan would not have helped their business financially. It shows they actually care about their clients. We highly recommend them
Alex
22 April 2024
I highly recommend David and his team, for all your finance needs, very professional and went above and beyond to help me get the outcome I needed, thnkyou for making this experience an easy one for my family, cheers lee.
Lee
31 January 2024
David, Georgia and the team have been amazing to deal with. Our loan application was certainly trickier than the standard application with moving objectives and nothing seemed too difficult for them and so relieved with the positive outcome. I personally highly recommend them
David
06 December 2023
David has been our mortgage advisor since 2004 when we bought our very first home. Since then he has efficiently and confidently assisted us to purchase other homes here in Australia and Scotland. His Team now with Georgia and Vanessa continue to provide such a high standard of care and explanation through the property purchase process. Highly recommended
Anthony
05 December 2023
David and Georgia have been fantastic to deal with and we highly recommend their services. Their knowledge and advice makes the process smooth and less stressful. We wish we had of known them when we bought our first home
Carla
21 September 2023
David and Georgia are EXCELLENT, I have recommended their services to 3 other friends so far and will continue to do so, they have made the process of applying for our first homeloan so easy and basically stress free. Highly recommend if you are looking for a Mortgage Broker.
Thanks guysTash
19 February 2025
David and Georgia were very prompt, available and responsive to assist us finding the right lender and getting through the whole process seamlessly. Thanks for you outstanding service
Mr
01 December 2024
I recently purchased a new property with David's and his team. The unwavering commitment for service and a stress free process from start to finish is outstanding.
Both David and Georgia go above and beyond for their customers. Something you don't see a lot of these days and is extremely comforting when you do. I have used David for many property transactions and advice over the years and the dedic... read moreAshley
09 June 2024
I highly recommend David as an effective mortgage broker. He helped us immensely and answered our endless questions. Thanks goes to Georgia as well who smoothed out all the paperwork in the background.
Rebecca
28 May 2024
I recently purchased a new property with David's services. The unwavering commitment for both service and a stress free process from start to finish from both David and Georgia, where they go above and beyond for their customers is outstanding. Something you don't see a lot of these days and is extremely comforting when you do. I have used David for many property transactions and advice over the ye... read more
Ashley
22 May 2024
My husband and I used David and Georgia to refinance our home and they got us the best deal for us, recently I asked them again to help with a much smaller loan, and they took just as much care with it even though such a small loan would not have helped their business financially. It shows they actually care about their clients. We highly recommend them
Alex
22 April 2024
I highly recommend David and his team, for all your finance needs, very professional and went above and beyond to help me get the outcome I needed, thnkyou for making this experience an easy one for my family, cheers lee.
Lee
31 January 2024
David, Georgia and the team have been amazing to deal with. Our loan application was certainly trickier than the standard application with moving objectives and nothing seemed too difficult for them and so relieved with the positive outcome. I personally highly recommend them
David
06 December 2023
David has been our mortgage advisor since 2004 when we bought our very first home. Since then he has efficiently and confidently assisted us to purchase other homes here in Australia and Scotland. His Team now with Georgia and Vanessa continue to provide such a high standard of care and explanation through the property purchase process. Highly recommended
Anthony
05 December 2023
David and Georgia have been fantastic to deal with and we highly recommend their services. Their knowledge and advice makes the process smooth and less stressful. We wish we had of known them when we bought our first home
Carla
21 September 2023
Help me calculate
How much can I borrow
Home loan repayment calculator
Stamp duty calculator
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Repayments/ month
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Remaining
Based on standard variable rate over years.
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You may borrow up to
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Total interest charged:
There's a lot to consider when choosing the right loan.
Talk to a brokerBreakdown | Amount |
Stamp duty on property | |
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Mortgage registration fee |
Need help with your next home purchase?
Talk to a brokerExtra 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.