Karen Shek Mortgage Broker servicing Mount Gravatt and surrounding areas

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Call: 0488 053 338

Looking for competitive home loan rates, refinancing options, property investment loans, car loans, or business financing in Brisbane?

Karen is your dedicated mobile broker, serving Brisbane and South-East Queensland. As a trusted Mortgage Choice broker, we’re committed to helping you secure the best loan tailored to your needs. Whether you’re buying your first home, refinancing, or expanding your investment portfolio, we compare over 35 reputable lenders to find the most suitable mortgage solution for you.

Call Us Mortgage Choice Carindale
Office - 0488 053 338

Open Hours Mortgage Choice Carindale
Mondays to Fridays: 9am - 5pm
Weekends & Public Holidays: By appointment only
Free Appointment

Address

Servicing Mount Gravatt, Camp Hill, Tingalpa, Wishart, Mansfield and surrounds

Latest home loan interest rates

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Start your home loan journey today

Our home loan team specialises in a range of mortgages:

First home buyer loans
Upgrading or purchasing a second property
Refinancing and home loan increases
Self-managed super fund loans (SMSFs)
Loans for investment property or shares
Construction and renovation home loans
Bridging loans
Commercial finance

We also offer assistance with:

Financial planning and wealth creation
Car loans and leasing
Personal loans
Credit cards
Life insurance, trauma, TPD and income protection insurance
Home and contents insurance
Landlord's insurance
Deposit bonds

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 we may charge a fee, which would be discussed with you before proceeding.

If you're considering buying or building a home, refinancing an existing home loan, or building an investment portfolio, then chances are you have a lot of questions. We are here to help.

Servicing Camp Hill, Carindale, Mount Gravatt, Sunnybank and beyond

For the best advice, speak to Karen at Mortgage Choice, your local home loan specialists.

We service the following suburbs: Carindale, Carina, Carina Heights, Camp Hill, Tingalpa, Mount Gravatt, Mount Gravatt East, Upper Mount Gravatt, Wishart, Mansfield, Macgregor, Nathan, Robertson, Coopers Plains, Sunnybank, Sunnybank Hills, Runcorn, Algester and Calamvale.

Call Karen, 0488053338 at Mortgage Choice , to arrange an appointment.

Before your appointment

We ask that prior to your meeting if you could please complete our online Fact Find Form. This information will then be emailed directly to our consultants, will remain strictly confidential and will help us prepare for your meeting. The more information we have prior to your appointment, the more productive our meeting will be.

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

Karen is an amazing professional, and I cant recommend her enough. She stuck with me for over two years while I figured out if, and when, I was ready to buy a home. Throughout it all, she was incredibly patient, always quick to respond, and clearly knows the ins and outs of the process.

When I finally found the right home for me and my family, Karen walked me through everything step by step, taking so... read more

Natasha
20 May 2025

Karen has been my broker for 4 years since the purchase of my first house. Karen has excellent communication and will always provide good advice. I recommend her services to anyone who is looking for a trustworthy and honest broker to look after their financial needs.

10 May 2025

Karen has been the most amazing broker and has gone above and beyond to provide support and incredible knowledge to walk us through every step of our journey. Karen has made this a stress free and smooth process from the beginning. There is nothing she doesnt know and has given us the best advice and direction. I cannot recommend her enough and will be coming back in the future Karen is just the best

Crystal
04 April 2025

Karen made the mortgage process easy and stress-free. They took the time to understand my needs, provided great options, and communicated clearly throughout. Highly recommend for anyone looking for a knowledgeable and reliable broker

Anonymous
20 March 2025

Mortgage choice one of the best services i ever experienced, Karen thanks for everything i personally have no words to describe how wonderful your and helpful, everytime when i need help you were there on time and even quick response to message on weekends, which is unbelievable most of the people or services providers don't response on weekends,
Highly appreciated and recommended, keep up good work thanks Karen

propaint
04 March 2025

Recently had the pleasure of working with Karen to get a loan for my first ever property. The whole process was flawless from start to finish. Karen is very informative, responsive and patient in handling my case. I would recommend her to anyone in a heartbeat, you will not regret it

Goh
29 August 2024

I recently had the pleasure of working with Karen for a bridging loan to purchase my new property. Karens expertise and professionalism made the entire process seamless and stress-free. She was incredibly knowledgeable, patient, and always available to answer my questions. Her dedication to finding the best loan options for my needs was evident throughout. I highly recommend Karen to anyone in need of mortgage services. Thank you, Karen, for your outstanding support

Ryan
16 August 2024

I had the pleasure of working with Karen Shek from Mortgage Choice, and I am thoroughly impressed with her professionalism and expertise. Karen expertly guided me through the home loan process, ensuring that I understood every step and felt confident in my decisions. Her attention to detail and dedication to finding the best possible mortgage deal for my circumstances were remarkable. Karen's prompt com... read more

Lothric
03 August 2024

Karen is an exceptional mortgage loan manager. She is highly professional and remarkably responsive, answering texts and calls even on weekends, after office hours, and during her vacation in Hong Kong and Japan. Without her tremendous support and guidance, we might not have been able to complete the sale and purchase. We highly recommend her to our friends for her excellent support

Lynn
02 August 2024

Karen is a very professional and efficient broker. Very patient and easy to communicate. She guided me through the whole process kindly and patiently. Highly recommended. Would like to work with her again.

Xiaofeng
25 July 2024

Property investor guide

If you are looking to invest in property or simply exploring the possibilities, this guide will help you navigate the steps involved to kickstart your property investment journey.

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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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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

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Karen Shek Mortgage Broker servicing Mount Gravatt and surrounding areas

Carindale

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

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

Servicing Camp Hill, Carindale, Mount Gravatt, Sunnybank and beyond

Before your appointment

The right home loan for your needs

Client reviews

Property investor guide

Help me calculate

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

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