Jillian Clifford Mortgage Broker in Ipswich, Springfield, Mount Ommaney & surrounds

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Call: 07 3281 0660

Jillian is an extremely knowledgeable mortgage broker who has enjoyed a 30-year, award-winning career in banking and lending. Dedicated, reliable and committed to providing a high level of customer service, Jillian can assist all borrowers. She takes a long-term approach to working with her clients, helping them make decisions to achieve both their immediate and future financial goals.

Jillian is based in Ipswich, south-west of Brisbane.

Call Us Mortgage Choice Ipswich
Office - 07 3281 0660

Open Hours Mortgage Choice Ipswich
Monday - Thursday: 8:30am - 5:00pm
Friday: 8:30am - 4pm
Free Appointment

Address

Shop 2, 215 Brisbane Street IPSWICH, QLD 4305

Latest home loan interest rates

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Services

Whether you are buying your first home, upgrading, investing or growing your business, Jillian can help you navigate the lending maze and access the finance that’s right for your circumstances.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Car and asset finance
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)

Other areas I service

Impartial, expert lending advice from a trusted mortgage broker whose business is built on referrals from happy clients. Jillian is based in Ipswich and is ready to assist with all your finance needs.

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Ipswich, Springfield, Mount Ommaney 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 home ownership?

We’ll assist you along the way and do all the legwork for you! Call us today on (07) 3281 0660.

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

A big thumbs up to this team Jillian and Jazmyn has been a pleasure to work with during my journey of getting my first place. Jillian was clear and patient while going through my choices with me. Jazmyn was very thorough with her follow up.
Thank you both

Lynette
13 November 2024

Ive worked with Jillian a few times now, and each experience has been outstanding. She is always polite, friendly, and professional. Most recently, Jillian and Allan helped me secure a lower variable rate after my home loan came off a 2.29 fixed rate. The entire process was quick, easy, and seamless. If you're looking to refinance, secure a better interest rate, or even start a new loan, I highly recomme... read more

Aleysha
12 November 2024

Jillian has been very helpful and straightforward helping our family with property finance for over 20 years and continues to do so

david
12 November 2024

We have been using Jillian and her team for a few years now and I honestly will never use anyone else. They are friendly, caring and always go above and beyond.

Tracy
01 November 2024

This is the second time Jillian has helped us with our home loan financing, we could not be more grateful for her advice and expertise. Jillian and her team took the stress out of the process and are truly professional and passionate about what they do. We would rate higher than 5 stars if we could. 100 recommend Jillian and her team. Thank you again Jillian.

Carly
31 October 2024

As a first home buyer in a rough, competitive market, I was consistently challenged and discouraged at several points along the way. Jillian, however, remained consistently in my corner. She was always responsive and offered an understanding and patient ear. Thanks Jillian We got there

Michael
03 October 2024

Jillian and the team have been amazing to deal with, communicating and providing advice through every step of the process. Cannot recommend enough. Thanks for your help

Jonathon
15 September 2024

Jillian and her team have been nothing short of fantastic Jillian helped us purchase our first home recently and answered every first home buyer question with compassion, professionalism and patience We couldn't be happier with Jillians work. Thank you for everything

Zali
09 September 2024

Thank you Jillian and Bec for assisting us with our refinancing. Both of you were a pleasure to deal with and answered any questions we had throughout the process quickly and professionally. Banks aren't easy to deal with, but you both made the whole process very easy for us and we couldn't be happier.

Sean
27 August 2024

Jillian was exceptional in guiding us through the mortgage process. Her personable approach, combined with deep industry knowledge, made us feel confident every step of the way. She truly advocated for our needs, simplifying what could have been a complex process. We're grateful for her unwavering support and expertise.

Rachel
22 August 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

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You could borrow up to

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/ month
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Based on standard variable rate over years.

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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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Total fees:

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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.