Mortgage Brokers in Ballina servicing Byron Bay, Lennox Head, Lismore, Alstonville & the Northern Rivers

Call: 02 6628 6130

Buying a home is the biggest financial decision you will ever make. As such, it is important to work with a mortgage broker you can trust. Get in touch with our team of brokers to discuss your home loan requirements.

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Call Us Mortgage Choice Ballina
Office - 02 6628 6130

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

Address

Suite 1/144 River Street BALLINA, NSW 2478

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Mortgage Choice brokers in Ballina, Byron Bay, Alstonville and Lennox Head

As your local Mortgage Choice broker in Ballina Joel & Tim will provide you with access to a wide choice of lenders, including the major banks.

They understand the loan pre-approval requirements of these lenders, making it quicker and easier for you to apply for pre-approval.

And, when you have found your ideal property, we can streamline your formal loan application by preparing the paperwork, lodging the application and doing all of the follow up on your behalf!

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.

Did you know we can help with all your business lending needs?

No matter the size, structure or industry of your business we have a solution for you. Our director Tim is a qualified Accountant and has the knowledge and experience to assist you with all your business lending and loans. Full or low doc options availible. We can help with:

Commercial property - Factory's, residential, sheds and storage
Business assets - There is no piece of equipment to big or small
Cash flow lending - Line of credit, unsecure business loans
Debt consolidation including ATO debt

We work directly with your accountant and/or bookkeeper so you can keep doing what you do best, running your business.

Get in touch with either Joel or Tim this week to discuss your situation.

Get a quick personal loan or car loan quote

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We can also help you with:

First Home Buyer Loans
Refinancing
Car & Equipment loans
Business Lending
Commercial Loans
Cash Flow Management

Ready to purchase a new property?

A good starting point is to find out how much you can borrow as this will be a helpful indicator of what you can afford to buy.

We understand that finding out how much you can borrow can sometimes be a bit confusing, which is why we have some great resources at your disposal. Try our home loan calculator to help make your borrowing power more transparent. Check it out here!

Not sure where to start with your property journey?

Our property guides provide further information which may assist you with your home loan, no matter if it's for your first home or for an investment property.

Download your copy for free here!

Thinking Pre-Approval?

A pre-approval a great way to give you the confidence to got the market with the full confidence of having a conditional approval. We have found many clients have gotten a better deal on a property because they have their finances in order and ready to go. If you decide not to go ahead with a purchase, no harm no foul the approval just expires

To arrange an appointment please call us on 02 66286130

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

Thanks to Joel Nicole for making my mortgage refinancing super easy. They were excellent at explaining everything in a clear way I could understand to make informed decisions. They were very responsive to all questions and couldn't recommend them highly enough.

Bonnie
27 June 2025

Exceptional service from start to finish
Joel and Nicole at Mortgage Choice Alstonville made my property financing journey smooth, stress-free, and genuinely enjoyable. Their communication was clear, consistent, and always supportive. Joel took the time to explain all my options in a way that made sense, and Nicole was incredibly efficient in keeping everything moving on time.
They truly went above and... read more

Tayla
26 June 2025

Mortgage choice literally helped me achieve the impossible Thanks to them I have just moved into my first home as a single mother with a young child. I highly recommend mortgage choice. They never gave up and worked tirelessly to make this happen.

Medicine
26 June 2025

As a first home buyer I am so glad that I went with Mortgage Choice. Rachael was so supportive and made me feel at ease straight away. She answered all my questions and helped me through the whole process. Tim was great at getting things moving along quickly and finding best options for me. Overall a great experience, highly recommend.

Amy
21 February 2025

Great team with a thorough approach to getting the best results. Thanks Joel and Nicole.

Stu
24 January 2025

Certainly fast, friendly and professional, however, they don't seem to have as many lenders on their books as other brokers, which can be a problem if your circumstances are unique like mine. If you have a run of the mill job with regular income and a good credit rating, I'm sure they'll secure a loan for you, but if you are not in that category, there are other brokers with more lenders who can help.
I... read more

John
28 November 2024

Great team - made the process so easy for a first time home purchase. Very friendly and helpful even with all my first home buyer questions.

Rebecca
14 November 2024

Rachel Crowe and Tim Egan from Mortgage Choice were absolutely incredible to deal with in regards to obtaining my first home. They made the process so seamless and easy, and I had bank approval within the span of 2 weeks Rachel and Tim were very communicative, available, reliable, and so very helpful and had an abundance of knowledge.
Thank you Rachel and Tim, I will be recommending your services to all those close to me.

Caitlin
13 November 2024

I cant thank Tim and Rachael Alstonville branch enough for their work to get our loan over the line. They were outstanding and were calm and reassuring when we werent. They responded to every single question in a timely manner and nothing was too much trouble. Would highly recommend them to anyone looking to secure a loan. Thanks again Tim and Rachael

Melinda
04 November 2024

Great service, lovely team, prompt in providing their expertise regarding my home loan. Highly recommend.

Amanda
01 November 2024

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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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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