Your Trusted Home Loan Expert in Brisbane North: Serving Albany Creek, Aspley, Bald Hills, Chermside, Eatons Hill, and Beyond

Call: 0413 848 063

Buying a property is one of the most significant financial decisions you'll make, and securing the right home loan can be a complex and daunting task—even for seasoned buyers. As a specialist in home loans, I am here to simplify the process for you.

Whether you're a first-time homebuyer, upgrading your current home, purchasing an investment property, or seeking to save on your existing loans, I can provide personalized guidance to meet your unique needs.

Contact Lisa today or book an appointment online to discuss your home loan options and take the first step toward your property goals!

Call Us Mortgage Choice Aspley
Office - 0413 848 063

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

Address

PO Box 15 ASPLEY, QLD 4034

Your Local Home Loan Expert in Aspley and Surrounding Suburbs

Buying a property is one of the most significant financial commitments you’ll ever make. Navigating the finance process can be complex and overwhelming, even for experienced buyers. That's where I come in!

While you could go directly to a bank, they typically offer a limited range of their own products, which may not be the best options for your needs. As your dedicated Mortgage Choice Mortgage Broker, I have access to over 35 different lenders. I’ll provide you with detailed information and a variety of lending options, allowing you to make an informed decision.

Not every loan product is the same, and what works for one person may not be suitable for you. I’ll take the time to explain the differences between products so you can understand why a particular loan is the best fit for your unique situation. Additionally, I will assist you in identifying any government grants or schemes you may be eligible for, ensuring you maximize your benefits.

I’m committed to supporting you throughout the entire process, from initial application to settlement and beyond. I will periodically review your loan to ensure it continues to meet your evolving needs.

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.

To learn more about how I can help you achieve your home loan goals, contact Lisa at 0413 848 063.

Appointment Hours:

Monday - Friday: 9:00 AM - 5:00 PM
After hours by appointment
Online appointments available

I love getting out and about, so I often meet clients at their home or at a nearby coffee shop (I enjoy supporting local businesses, too!). If you prefer not to venture out or have a busy schedule, we can easily arrange an online meeting. Book your initial phone appointment with me today, and let's get the ball rolling on your home loan journey.

Keeping up to date

The world of home loans is constantly evolving, and staying informed is key to making the best financial decisions. Follow me on Instagram and Facebook to keep up with the latest trends, tips, and insights in home loans. Join our community and empower yourself with the knowledge you need to navigate the mortgage landscape!

Kickstart your home loan journey today! Call Lisa or easily book an appointment online to get started on achieving your property goals.

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

Lisa and her team go above and beyond to deliver exceptional customer service. My Partner and I are inexperienced with the process and stresses of buying a property. Lisa has made the process so much easier to understand and complete twice now. I cannot recommend her and the team higher enough. Thank you guys so much for your professional and comforting expertise.

23 October 2024

I can highly recommend Lisa Elliott.

Lisa has been our broker for many years, Lisa and her amazing team are professional, prompt courteous at all stages, from the beginning of our transaction right through to settlement.

If you are looking for a mortgage broker who will go beyond your expectations to ensure you are provided with a fit for purpose lending option then look no further.

Thank you to both Lisa Kristen.

Michelle
20 October 2024

Lisa has made refinancing a breeze. She guides you through the process and asks all of the questions that we didn't even think to ask. I cannot recommend her enough.

Emma
16 August 2024

Lisa was super helpful and supportive throughout the process of finding finance for me to buy my new home. I wasn't an easy case, but she worked with me to ensure I ended up with a great product in a short time.

Amanda
06 August 2024

Lisa was extremely helpful and knowledgeable and was able to answer all of our questions, no matter how big or small. She made our home loan process very easy and took away a lot of our stress. Lisa made sure she got everything done in short timeframes and was very reliable in all of our contact via email and phone. I highly recommend her to anyone looking to buy a home Thanks so much Lisa.
Nicole Heath

Nicole
04 July 2024

My wife and I have been working with Lisa for many years now. She has made refinancing quick, simple and an enjoyable experience. I highly recommend Lisa and her team.

Sebastian
06 March 2024

Lisa explained everything to us clearly and made the process as pain-free as possible. Thanks so much

Michelle
06 November 2023

If we could give more than five stars we would We recently contacted Lisa to organise a car loan for a new company vehicle for our business. Lisa and her assistant Kaine were awesome to work with Their communication and prompt updates with the progress of the loan were amazing I highly recommend Lisa and her team if you are looking for a loan

Australian
31 August 2023

Lisa was fantastic from start to finish, we purchased our house from a family trust which made it little more complex than a normal purchase however Lisa kept things simple and concise with great advice. She provided us with multiple lender options and helped us in choosing the best for our situation. Highly recommend

Tom
25 July 2023

Lisa Elliott and the team at Mortgage Choice went above and beyond during our process of applying for a home loan.

Lisa took time to visit us in our home, explained everything in detail and was there to support us at each step, through to settlement.

We couldn't recommend Lisa and the Mortgage Choice team more highly

Sarah
29 June 2023

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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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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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.