Mortgage Brokers & Professional Home Loan Experts in Mudgeeraba on the Gold Coast

Call: 07 5559 2563

We are your trusted local mortgage brokers with 20+ years of experience. Our team will find the right home loan for you from hundreds of options. So talk to us today or book an appointment online.

Call Us Mortgage Choice Mudgeeraba
Office - 07 5559 2563
Fax - 07 5559 2564

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

Address

Suite 9, Bell Place Professional Centre, 1 Bell Place MUDGEERABA, QLD 4213

Latest home loan interest rates

Starting from

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Comparison rate

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

Start your home loan journey today

We have been on the Gold Coast and with Mortgage Choice for over 20 years and in the finance industry for over 30 years.

Now, we'd like to use our extensive knowledge and experience to help you.

What we can do for you.

Whether you are a first home buyer, upgrading to your next home, getting into property investment, or wanting to refinance your existing loan, our mortgage brokers are home loan specialists and can help you make the right move.

Mortgage Choice Mudgeeraba offers professional loan and financial planning advice on a wide range of products for our clients including

First home buyers
Refinancing
Investment property
Debt consolidation
Commercial loans
Car loans
Equipment finance
Personal loans

As a guide, check out our home loan calculators

What's next?

Give us a call (07) 5559 2563 or

Book an appointment online

As your local Gold Coast Mortgage Broker and Home Loan specialist, our office is conveniently located in Mudgeeraba, just 5 minutes from Robina Town Centre and the Robina Train station. Drop in for a chat or we can come to you.

Mortgage choice in Mudgeeraba specialises in our surrounding suburbs including Worongary, Bonogin, Tallai, Reedy Creek, Robina, Merrimac, Burleigh Heads, Burleigh Waters, Mermaid Waters, Mermaid Beach and Miami, but are happy to assist anyone on the Gold Coast. We also work easily with interstate and overseas clients.

We are here to help you and we look forward to working with 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

Karen and team at Mortgage Choice Mudgeeraba were perfect. From the initial appointment right up until settlement, we felt supported and encouraged. Karen took time to help us understand the process and was always there when we had questions. We highly recommend Karen and the team and will definitely be using them again in the future. Thanks again Mortgage Choice Mudgeeraba, from the Edmonds.

Melissa
04 June 2025

My husband and I have used the services of John and his team many, many times over the past 15 years. We have always found them to be professional, knowledgeable and very efficient with making the arduous process of mortgages move as quickly and painlessly as possible. We have used them for residential, commercial and even SMSF Finance and always with the same stellar service. We highly recommend them. Thank you John, Jo and Amanda.

Jodi
20 May 2025

Karen and Jo were absolutely amazing helping me through refinancing and getting me the best rate. I highly recommend.

Nikki
01 May 2025

John and the Team at MC Mudgeeraba have provided our whole family with advice and home loan choices for the last 15 years. They have always been helpful, professional, prompt and reliable. I cannot recommend them highly enough. Thanks MC Mudgeeraba for your continued great service.

Michaela
10 April 2025

As repeat clients, we have once again been so pleased with the service Karen has provided us with. Don't hesitate to reach out to her, if you're wanting someone, who has a professional, friendly can do attitude

Jackie
28 March 2025

Highly recommended Mortgage Choice in Mudgeerba as their customer service was outstanding, always willing to help and the whole loan process was easy, John Jo and Amanda are excellent in what they do great team. Thanks to all at Mudgeerba office for making this such an effortless process.

Tim
17 March 2025

I always go through Mortgage Choice for my purchases. They make the process so easy. They are friendly, knowledgeable and always get me the best rate and loan for my circumstances. Special thanks to Karen Cardiff for fielding all of my questions and preparing the mortgage application for me

Shannon
15 March 2025

Fantastic, friendly, patient and helpful service. Both John and Jo have been wonderful to deal with, and we're a huge help in securing the purchase of our first home. Would use again

jessica
13 February 2025

I am beyond grateful to John and Jo at Mortgage Choice for making the entire mortgage process so easy and stress-free. From our very first chat, I felt at ease with their genuine care and expertise. They took the time to really understand my situation and walked me through every option available, helping me make the best choice for my future. What really stood out was how personal and attentive they w... read more

Virginia
01 February 2025

Incredible team Thank you so much for the amazing service

I had a very short turn around time to sell one property and but another and the final transaction all completed on the same day and arranged over the end of year holidays.
The team did the following for me

- chased up me to get my documents and talked me through anything difficult
- chased up the banks to get release documents processed and... read more

Kelley
15 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

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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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Total fees:

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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.