Award Winning Mortgage Brokers in the heart of Brisbane City.

Call: 07 3211 7744

Matt Cunliffe and the team at Mortgage Choice Brisbane City are award-winning Mortgage Brokers that can help with home loans, car or personal loans, business lending, financial advice and more.

Save time, get advice and book your free, no-obligation, appointment with us today.

Call Us Mortgage Choice Brisbane City
Office - 07 3211 7744

Open Hours Mortgage Choice Brisbane City
Monday - Friday: 8:30am - 5:00pm
After hours by appointment
Free Appointment

Address

Level 10, 40 Creek Street BRISBANE CITY, QLD 4000

Start your home loan journey today

#1 Mortgage Brokerage - MPA Magazine

As your local home loan experts, Mortgage Choice in Brisbane City is here to guide you through the mortgage maze and help you make the right move to protect your future.

Our team of award-winning brokers have access to hundreds of home loan options from over 20 leading banks and lenders 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.

We can arrange to meet outside of our office hours at your request. Meet Me Here, at your home, work or anywhere that suits you. Just let us know when you book your appointment

We have moved, check out our new Home!

Mortgage Choice Brisbane City is named in Australia's Top 50!

We are thrilled to announce that Mortgage Choice in Brisbane City has been named by MPA Magazine as one of Australia's top 50 Mortgage Brokerages. Coming in 33, we were the highest rank Mortgage Choice Franchise and are absolutely thrilled with the accolade!

Call us today or book an appointment using the booking button above so we can deliver an award-winning service the next time you require some finance expertise!

Meet the Mortgage Choice Brisbane City team!!!

We offer professional advice for a wide range of requirements, such as:

First home buyer finance;
New home finance;
Property investment loans;
Home loan refinancing;
Fixed, variable and interest only home loan packages;
Debt consolidation;
Commercial finance;
Personal and car loans;
Life and Income Protection Insurance
Wealth and Finance Advisory Services
Estate Planning and Wills

Conveniently servicing customers all over Brisbane including; Brisbane City, Petrie Terrace, Spring Hill, New Farm, Teneriffe, Bowen Hills, Fortitude Valley, Herston, Newstead, Alderley, Enoggera, Gaythorne, Grange, Newmarket, Wilston, Kelvin Grove, Red Hill, Ashgrove, The Gap, Milton, Paddington and Bardon.

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

Brice made the process of purchasing my first home smooth and easy.

Tyron
12 December 2024

Fantastic, friendly and knowledgeable team

CM
05 December 2024

The team at Mortgage Choice were fabulous. Professional, very helpful and friendly. Would definitely use them again.

Rachael
03 December 2024

We were absolutely blown away by our recent experience with the Mortgage Choice team. Riley and Danel went above and beyond to exceed our expectations at every step. Their expert guidance and unwavering support throughout the entire process made securing our home loan seamless. Communication was quick and clear, and we always felt supported. We cant thank them and Matt enough for making this experience smooth and straightforward. Highly recommend this awesome team of people
Nic and Mitch

Nic
29 November 2024

The team at Mortgage Choice have been incredibly helpful and available throughout the process of getting my loan, especially Brice, Oliver and Lexi. Great service I would highly recommend them.

Emma
27 November 2024

Weve had the pleasure of having Riley Thomas at Mortgage Choice guide us through buying our first home. He has been patient and helpful from the start Hes made the process feel easy and seamless. Big shout out to Riley

Raegan
27 November 2024

We were fortunate enough to be referred to Mortgage Choice Brisbane City. From day 1, Matt and Riley provided a seamless and professional service that made the transaction completely stress free. Thanks very much guys, we will be back for sure

Dave
26 November 2024

Was very happy we chose Mortgage Choice. Riley and Danel made the process very simple and hassle free. Riley was always extremely responsive and helpful at every step. I look forward to working with them again in the future.

Mark
04 November 2024

Riley is a superstar I would recommend him to anyone. I had my loan approved completely hands of , and everything run super smoothly.

Nikos
01 November 2024

Mortgage Choice Brisbane City help me purchase my first home. I would like to thank Brice, Oliver, Lexi, Danel, and Riley for making my dreams come true.

Robert
01 November 2024

Guarantor guide

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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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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.