Your Multi Award-Winning Mermaid Beach & Broadbeach Home Loan Experts on the Gold Coast

Call: 07 5676 6433

We are award-winning mortgage brokers helping clients on the Gold Coast, around Australia & even overseas find the right home loan to buy or refinance property. We also do vehicle loans, business loan & more. Let us do the hard work for you!

Book your free no-obligation appointment with us today.

Call Us Mortgage Choice Mermaid Beach
Office - 07 5676 6433
Fax - 07 5676 6434

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

Address

1/2446 Gold Coast Highway MERMAID BEACH, QLD 4218

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

Start your home loan journey today

Talk to our home loan experts in Mermaid Beach & Broadbeach, Gold Coast

Put our expertise to the test. Our mortgage broking team in Mermaid Beach and Broadbeach on the Gold Coast, has over 60 years of experience to help you make better choices with your finances.

Our experienced team of Gold Coast mortgage brokers are ready to work with you. Each member of the Mortgage Choice in Mermaid Beach and Broadbeach team is experienced at helping Broadbeach, Mermaid Waters, Mermaid Beach, Varsity Lakes area locals, as well as clients across the Gold Coast and beyond with their home, car or business finance. We know that no two situations are alike and we are well-versed in pairing the best home loan options to our customers’ individual needs to find the right home loan.

We know that our customers are busy, so our mortgage brokers will meet you at a time and place that suits you anywhere around Broadbeach, Varsity Lakes, Mermaid Beach, Mermaid Waters or across the Gold Coast.

The home loan process should be easy and stress free because we know that is what really helps our customers. 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.

We are here to help you find the right home loan option, so get in contact today.

"Fantastic service, professionalism, and results with Will and the team. Highly recommend them!"

- David W, February 2024

Gold Coast locations - Mermaid Beach, Broadbeach & Runaway Bay offices

Call our Mermaid Beach & Pacific Fair offices in Broadbeach today on 07 5676 6433 or book an appointment with us directly online.

We have two convenient southern Gold Coast locations:

Mermaid Beach at 1/2446 Gold Coast Highway, Mermaid Beach, and;
Broadbeach at Shop 111 Pacific Fair Shopping Centre, Hooker Boulevard, Broadbeach

Our team also manages Mortgage Choice Runaway Bay & Arundel, located at 7/465 Oxley Dr, Runaway Bay QLD 4216.

Award-winning Gold Coast team

Our team of experienced mortgage brokers are also award-winning, receiving the following accolades to date:

2024, 2023 - Finalist, Office of the Year - Franchise
Australian Broking Awards

2022 - Finalist, Office of the Year - Franchise, Regional Broker of the Year & Regional Office of the Year
Australian Broking Awards

2021 - Finalist, Office of the Year - Franchise, Regional Broker of the Year & Regional Office of the Year
Australian Broking Awards

2020 - Finalist, Office of the Year - Franchise, Regional Broker of the Year & Regional Office of the Year
Australian Broking Awards

2021, 2020, 2019 Top 100 Brokers in Australia
Mortgage Professional Australia

2019 - Winner, Office of the Year - Franchise
Australian Broking Awards

2019 - Finalist, Regional Broker of the Year & Regional Office of the Year
Australian Broking Awards

2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020 - Winner
High Flyer Award (Top 13 Brokers in Australia)
Mortgage Choice

Services we offer

Home Loans
Refinancing your current loan
First home buyer support
Top up on existing loans
Loans for property investment
Vehicle finance
Equipment finance & leasing
Car buying service
Insurance
Personal Loans

We can help with a wide range of services and more from our offices in Mermaid Beach on Gold Coast Highway and at Pacific Fair Shopping Centre, Broadbeach on the Gold Coast. Give us a call today to make sure you’re on the right track to the right home loan.

Our Broadbeach and Mermaid Beach home loan service accesses a panel of over 35 lenders, and hundreds of products so that we can find the right solution for you.

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

Professional and approachable highly recommend

Hayley
11 April 2025

We have refinanced our home loans with the Mortgage Choice Broadbeach team on multiple occasions over the years. Will, Brock and the wider team always provide excellent guidance and advice on how to accurately structure our lending to ensure we receive the very best interest rate and loan features from not only the big four banks, but also more niche institutions, that suits our requirements.
Ex... read more

Andy
04 April 2025

William, Brock and the team have been so helpful, patient and knowledgeable. As first home buyers we were very grateful for the support and guidance we received, always taking the time to answer any questions we had and explaining each step of the process thoroughly. Highly recommend

Hayley
26 March 2025

Will was fantastic helping us navigate buying a property over the Christmas period. He was always available to answer my questions and even followed up to see how it was all going while on holidays himself. It was his friendly manner that made me feel like he really cared. I couldn't recommend the team more

Elisa
20 March 2025

Efficient, easy, and we got the product that we wanted.

John
20 March 2025

Our experience with Mortgage Choice in Broadbeach was exceptional. From the first step with sourcing information and the application, through to the final settlement was hassle free and very smooth. The application was easy, the approval was very swift and the settlement and loan setup with payment plan was very simple.
I would highly recommend anyone thinking of purchasing that may need a loa... read more

Kerrie
18 March 2025

Highly recommend Will and the Team at Mortgage Choice. Helped us navigate a tricky subject to sale situation and was there to support us every step of the way. 1010

Simon
16 March 2025

Great service from a very professional team Very responsive, great explanation of the different options making the process easy. Would use them again in the future and can't recommend them enough Great work guys

alexandre
14 March 2025

Blown away by Will and the team at mortgage choice. They made the process of what we needed so simple and actioned everything so quickly Forever grateful and will recommend them to everyone

Casey
31 January 2025

Will is an absolute legend Made buying my first home a smooth process made the time to get back to my 100s of questions.
Couldnt recommend Will and his team more highly. Look forward to working with them again in the future

Ashleigh
23 January 2025

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

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

PAYG Self Employed

My monthly income before tax

Rental income

My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

You could borrow up to

Repayments
/ month
Expenses
Remaining

Based on standard variable rate over years.

Start the pre-approval process

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.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

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.

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

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.

State / Territorial Revenue Web Sites

View