Connect with Peregian Beach’s Award-Winning Mortgage Experts

Call: 0447 905 133

Here at Mortgage Choice Peregian Beach we understand that finding a suitable mortgage broker can be an overwhelming experience, particularly in Peregian Beach, Peregian Springs or even on the Sunshine Coast.

My name is Gordon Macvicar, and together with Larissa Barton and our award-winning team at Mortgage Choice Peregian Beach and Noosaville, we’ll help simplify things for you.

Ready to find the right mortgage solution for your needs?

Call Us Mortgage Choice Peregian Beach
Mobile - 0447 905 133
Office - 07 5474 9834
Fax - 07 5444 6027

Open Hours Mortgage Choice Peregian Beach
Mon - Thur 8:30am - 5:00pm
Fri 8:30am - 4:00pm
Saturday: By appointment
Free Appointment

Address

Suite 1, 222 David Low Way PEREGIAN BEACH, QLD 4573

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

BOOK YOUR APPOINTMENT NOW

We can help you with :

Home loans
First home loans
Refinancing
Debt Consolidation
Construction Loans
Investment home loans
Car Loans
Self Employed home loans
Equipment Finance
Self Managed Superannuation Fund Homeloans
and more ...

Welcome to Mortgage Choice Peregian Beach and Noosaville. Your local home loan experts.

Our team are dedicated to simplifying the process and supporting you every step of the way.

With access to thousands of home loans from over 30 banks and lenders, rest assured that we'll find the perfect match for you.
We understand that everyone's situation is unique, which is why we offer personalised advice and lender recommendations tailored to your specific needs.
Our goal is to simplify the entire process. Once we find the right loan, we'll handle the paperwork and manage the application process all the way through to approval and settlement.
Our team are here to support you every step of the way, with a dedicated team member to assist you from application right through to settlement.
Our service is completely free of charge!

_{Our Mortgage Choice Peregian Beach, Noosaville & Sunshine Coast team service the areas of Peregian Beach, Peregian Springs, Noosa Heads, Noosaville, Noosa, Marcus Beach, Tewantin, Coolum Beach, Mount Coolum, Yaroomba, Bli Bli, Yandina, Marcoola, Pacific Paradise, Mudjimba, Cooroy, Sunrise Beach, Castaways Beach, Eumundi & surrounds.}

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

If you're considering a broker when buying a house, then Gordon and his team at Mortgage Choice Peregian should be at the top of your list. Gordon is very knowledgeable with a lot of good advice and the staff around him are highly efficient and motivated.

The service Gordon and his team provided was exemplary and when I use a broker for my next house it will be this one

En
30 January 2025

Gordon was helpful and answered all of the questions we needed answered

Emma
28 January 2025

Gordon spent time to go through my options and was invaluable with his guidance and input. Very honest. I would definitely refer Mortgage Choice Peregian to family or friends.

Gai
28 January 2025

We used Gordon and the team as brokers to find finance for our first home. Gordon was relaxed and professional, made the process a lot easier.

Jared
27 January 2025

The team went above and beyond working through the break to get our finance over the line with a very short deadline I 100 recommend.

Denny
10 January 2025

Larissa and Gordon were excellent from start to finish. The process of identifying the best mortgage, submitting paperwork, through to settlement could not have been made simpler for us. Communication was first class, and after care was fantastic. Thank you Larissa, Gordon and the team at Mortgage Choice Peregian Beach and Noosaville

Darren
31 December 2024

Had a great experience dealing with Gordon and his team. They found me a great rate, kept me up to date as the application progressed and made the whole process stress free. Make life easy and give them a call.

Sam
30 December 2024

Gordon and the team couldnt do enough for you. They were super responsive and held our hand through the whole process with patience and professionalism. Thanks heaps team Plus we are in before Christmas

Matt
19 December 2024

Gordon and the team are extremely easy to deal with and the help and knowledge supplied from them was greatly appreciated.

Gavin
18 December 2024

Gordon and his team were fantastic to work with They recently helped us secure financing for our commercial vehicle and the process was seamless. The team was friendly, professional and quick to respond to any questions we had. Highly recommend Mortgage Choice Peregian for anyone needing a reliable and efficient broker.

Alexandra
16 December 2024

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

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

PAYG Self Employed

My monthly income before tax

Rental income

My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

You could borrow up to

Repayments
/ month
Expenses
Remaining

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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

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.

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

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.

State / Territorial Revenue Web Sites

View

Connect with Peregian Beach’s Award-Winning Mortgage Experts

We can help you with :

Welcome to Mortgage Choice Peregian Beach and Noosaville. Your local home loan experts.

Our team are dedicated to simplifying the process and supporting you every step of the way.

The right home loan for your needs

Client reviews

Refinancing guide

Help me calculate

How much can I borrow

Home loan repayment calculator

Stamp duty calculator

2nd Applicant

Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

State / Territorial Revenue Web Sites

Latest news & tips

Reserve Bank closes out 2024 with cash rate…

How much does it cost to use a Mortgage Br...

Mortgage Brokers Peregian Springs

Pay your bills late and it's going to affe...

Why it's important to get a pre-approval

Take the stress out of buying a home

What would it cost to buy Pat Rafter's Sun...

A great result for first home buyers 👏👏👏

If I can search the internet for a home lo...

Contact us