Your local Mortgage Choice broker in Coffs Harbour, Sawtell, Woolgoolga & surrounds

Call: 02 5642 4994

We believe that finding the right home loan starts with having a wide range of loans to choose from. With over 35 lenders on our panel, the team at Mortgage Choice in Coffs Harbour do the research to find a home loan to that fits you.

Call Us Mortgage Choice Coffs Harbour
Office - 02 5642 4994

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

Address

E2 The Promenade, 321 Harbour Drive COFFS HARBOUR, NSW 2450

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Start your home loan journey today

Find a home loan that suits

With over 35 lenders on our panel and hundreds of home loans to choose from, the Mortgage Broker Coffs Harbour team will help find a home loan that suits you and your property.

We complete all the research for you, searching through a wide range of home loans to find options to suit your finances, budget and priorities. Once we have found the right home loan, we'll complete the paperwork and do all the running around to make sure that your application is going smoothly.

Our lowest interest rates

We focus on simple, quality advice

With so much information out there, it's hard for people to make an informed decision about their finances. The Mortgage Broker Coffs Harbour team focus on providing simple, good quality advice to help you understand what's available and how your home loan choice affects your future finances. We work towards the best outcome for you.

We'll let you know:

what lenders will suit you best
the lowest interest rates available to you
which great features would benefit you
what repayments, fees and borrowing amount you can expect
how long the process will take
answers to your questions: fixed vs variable etc

We don’t charge to find the right loan for you

We are paid by the lender once your loan settles. In some limited circumstances your broker may charge a fee, which would be discussed with you before proceeding..

Tell us what you need

The only thing left to do, is to let us know what you're after - and we'll get started! The Mortgage Broker Coffs Harbour team are here to make your life easier and get you into your new home with great finance to support you. We are a locally run & owned business in the heart of the Coffs Coast.

Call the Mortgage Broker Coffs Harbour team on 02 56424994 or click the button below to book a chat.

Book an appointment

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

Always a hassle-free dealing with Duane. Makes the process so easy and always very informative, giving us our best options to suit our needs. We have used Duane a few times and so have our friends. Very highly recommended

jennifer
29 January 2025

Duane and Louise from Mortgage Choice are fantastic I highly recommend their services. From start to finish throughout the entire process they were very supportive, friendly, professional and took the scary side out of buying our first home. The process was personal but also highly automated with great tooling, and we were able to call at any time with whatever questions we had. Thanks a lot for making our dreams come true

Chris
14 January 2025

My partner I had a highly positive experience with Mortgage Choice Coffs Harbour. The team demonstrated exceptional professionalism and expertise in the mortgage sector. They took the time to thoroughly assess our financial situation and provided tailored loan options that suited our needs. Their responsiveness and willingness to address any questions we had throughout the process were particularly co... read more

Hayley
02 November 2024

My partner I had a highly positive experience with Mortgage Choice Coffs Harbour. The team demonstrated exceptional professionalism and expertise in the mortgage sector. They took the time to thoroughly assess our financial situation and provided tailored loan options that suited our needs. Their responsiveness and willingness to address any questions we had throughout the process were particularly co... read more

Hayley
01 November 2024

Duane and Louise provide great service and take all of the hard work out of it for the customer. Cannot recommend highly enough

Jarrod
31 October 2024

Duane and Louise provide great service and take all of the hard work out of it for the customer. Cannot recommend highly enough

Jarrod
30 October 2024

Refinancing guide

If you’re thinking about refinancing, this guide can help you learn more about the refinancing process, benefits and options available.

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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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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.

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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.