Mortgage Broker in Warner, Cashmere and Samford

Call: 0401 435 775

As your mortgage broker in Warner, Cashmere and Samford Sarah Doyle can offer you convenience and expertise. She will take the time to understand what’s important to you and what you want from your home loan. Get in touch this week!

Call Us Mortgage Choice Cashmere
Office - 0401 435 775

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Monday - Friday: 9:00am - 6:00pm
Saturday: 9:00am - 12:00pm
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Mortgage Brokers Warner, Cashmere and Samford

We live in such a beautiful, diverse part of Queensland, with so much to do in terms of lifestyle and property selection.

As your Mortgage Broker in Warner, Cashmere and Samford, Sarah Doyle is on a mission to help others achieve their dream of purchasing a property in this region.

If you would like to find out what your borrowing power is, how much your repayments might be or if you would like to learn more about the home loan process, then get in touch with her this week.

Contact Sarah today!

Home Loan Resources

If you're researching the best ways to enter the property market, then you may find our guides useful. Feel free to check out some of our free resources below.

Guide: Your guide to refinancing
Guide: Step by step to property ownership
Home Loan Calculator: How much can I borrow?

If you're ready to get started, call Sarah Doyle on 0401 435 775.

Sarah Doyle can also help you with:

Why should you speak with a broker?

We provide real choice, looking to find you the right deal.
We work with multiple lenders, not just one – keeping competition alive.
We may negotiate a better outcome.
We help at a time and place that suits you, doing the legwork for you.
Our aim is to save you time and stress and get things moving as quickly as possible.

What you should know about pre-approval!

A loan pre-approval can provide you with conditional approval of a loan amount. If you're searching for a property to purchase, pre-approval may be your biggest weapon.

It allows you to understand how much you can borrow and therefore, what you can spend on a property. It also puts you in a stronger position to negotiate with a vendor or bid at an auction, giving you more confidence when it comes to bidding.

To learn more about home loan pre-approvals, check out our short video below.

As your mortgage broker Sarah Doyle can help you organise your home loan pre-approval. Just get in touch with her this week to start the process.

Contact Sarah today!

Get in touch with mortgage broker Sarah Doyle to discuss your home loan needs. Call 0401 435 775.

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

Words cannot express how grateful I am to Sarah. She made the process of refinancing my home loan as easy as possible for me and was incredibly responsive to my needs. Sarah has a wealth of knowledge and truly goes above and beyond to help her clients. I genuinely cannot recommend her enough

Hannah
14 April 2024

We recently purchased land and went through Sarah for our mortgage. She has negotiated a discounted interest rate and always been proactive with ensuring the application has progressed. Clear and fast replies and seemingly always available to answer questions I would recommend Sarah to anyone looking for the best mortgage product available.

Michael
02 November 2023

Sarah was an absolute pleasure to deal with. Very wonderful knowledge, fast replies and was happy to answer any and all questions I asked. Would absolutely go back to her

Chantelle
05 October 2023

Sarah has been nothing short of a godsend, she has truly gone above and beyond in helping acquire finance for my home she also helped me through every step of the process making sure i understood what was needed and explaining in terms i could understand
Sarah is extremely down to earth, knowledgeable and will make sure your needs are met during your mortgage endeavors i truly cannot recommend Sarah enough.

23 May 2023

Sarah has been nothing short of a godsend, she has truly gone above and beyond in helping acquire finance for my home she also helped me through every step of the process making sure i understood what was needed and explaining in terms i could understand
Sarah is extremely down to earth, knowledgeable and will make sure your needs are met during your mortgage endeavors i truly cannot recommend Sarah enough.

Jeff
04 May 2023

I cant find enough words to express my gratitude to Sarah who helped me every step of the way considering my unique situation, She is very well trained and knowledgeable in her field of work, I highly recommended her , with 100100 excellent customer service,
Thank you so much Sarah and GOD BLESS

alina
30 March 2023

Fantastic service Sarah was always patient and professional throughout the whole refinancing process. Even when the bank was trying to be difficult, Sarah was very knowledgeable and made it simple for us Would definitely use her services again and recommend her to others

Tegan
22 March 2023

Exceptional Service
Refinancing was a daunting thought but Sarah was so helpful, knowledgeable, responsive and explained everything more than once at times so I clearly understood the entire process, making this feel simple and seamless.

Kristian
15 March 2023

Sarah is professional and understanding, quick to deliver.

Krystal
06 November 2022

Sarah is friendly, very professional and responsive. Always a pleasure to deal with

Glenn
06 November 2022

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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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.

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