Monica Culey Mortgage Broker in Kenmore and surrounding areas

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Call: 07 3878 8534

With 22 years’ experience in the banking and lending industry, Monica is committed to ensuring a great outcome for every client. Getting the right loan is crucial to your financial stability over the short and long term and Monica can walk you through the range of policy options to find what works for you.

She has the specialist expertise to work with self-employed applicants, and offers an in-office and mobile service for clients in Kenmore and surrounds.

Call Us Mortgage Choice Kenmore
Office - 07 3878 8534

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

Address

2077 Moggill Road KENMORE, QLD 4069

Services

Efficient, responsive service from a broker who understands the challenges you face and knows how to look outside the box to secure a great loan outcome. Monica can assist with all types of loans including self-employed.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Reverse mortgages (Referred to third party)
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)
SMSF loans
Loan protection insurance
Building/construction loans

Other areas I service

For streamlined, stress-free borrowing, Monica is happy to meet you in her office and is also available for home appointments. She works with clients in the Kenmore and surrounding areas.

Kenmore
Indooroopilly
Toowong
Bellbowrie
Mount Ommaney
Moggill
Chapel Hill
Seventeen Mile Rocks
Jindalee
Pullenvale

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

I recently refinanced my mortgages through Mortgage Choice Kenmore Monica Culey, and the experience was fantastic The team was incredibly knowledgeable, professional, and attentive to my needs. They made the process seamless, keeping me informed every step of the way and securing a great outcome for me. I highly recommend their services to anyone looking for a smooth and efficient refinancing process. Thank you, Mortgage Choice Kenmore, for your excellent work

Datto
31 December 2024

Monica and Celeste at Mortgage Choice Kenmore went above and beyond in securing our home loan. Our loan required exploring multiple scenarios to find the best fit for our situation, and the team guided us every step of the way. They ultimately found us a lender with a competitive interest rate, and settlement was smooth and issue-free. I highly recommend Mortgage Choice Kenmore to anyone looking for a... read more

Mark
01 November 2024

Good afternoon Mon and Celeste

Hey your service, help and support was outstanding. Thank you for your patience, I will definitely require you your service in the future for investment property's

Thank you again

Have a great weekend

Steve

Stephen
25 October 2024

Monica refinanced my home loan for a lot better rate then I was on saving me nearly 90 per week. The team were always very professional, friendly and helpful, making the process easy for me.

Lyndal
22 October 2024

I highly recommend Monica at Mortgage Choice. Monica is patient, professional and extremely knowledgeable in her field. Her dedication communication throughout the loan application process is very thorough. Her her team are 5 stars everyday

Lisa
21 October 2024

The team at Mortgage Choice were great to deal with. They made the process easy and seamless, and found the best match for our needs.

T
21 October 2024

Outstanding service Thank you to 'Mon' who went above and beyond for me. She was professional and responsive and made my experience pleasant and easy. She was very patient and helpful in answering all my questions, making sure I understood the details pertaining the process. I would highly recommend Mon and only wish I could give her 10 stars

Leah
17 October 2024

Monica was outstanding over the long period we discussed our options and assessed our borrowing capacity. She patiently talked us through options and the paperwork we needed to complete and kept us informed of status of our application all the way through to approval.
She was always prompt, helpful and knowledgeable. I highly recommend Monica for your next home loan.

Vergs
07 May 2024

Monica was fantastic to work with. Really helpful throughout the entire lending process and ensured we got the best result. She was always available and kept us informed the whole way. But honestly... she was just really nice It was great to work with someone with a bit of personality rather than a boring old money suit. Would highly recommend

Kieran
24 January 2024

I have used Monica on multiple occasions for all our mortgage needs, whether it was an initial mortgage, refinance for renovations or most recently to refinance for a better rate. Monica went above and beyond and found us the best rate and the process was seamless. It was quick, we had our approval in days and she thought of everything when looking through our finances. I will never use or trust anyone else

Melissa
17 January 2024

Upgraders guide

This guide covers all the important aspects of deciding the next move. It's essential to evaluate all the financial options and costs involved in selling a current home and buying a new one.

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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.