Your Award Winning Mortgage Broker for Morningside, Cannon Hill, Bulimba & Surrounds

Call: 07 3399 8922

Looking for the right loan? We’re here to help!

As trusted mortgage brokers in Brisbane’s Inner East, we work with clients across Morningside, Cannon Hill, Bulimba and nearby suburbs. Whether you're purchasing a home, refinancing, or investing, we’ll guide you every step of the way with clear advice and tailored solutions.

Get in touch today - we’d love to hear from you!

If you’re unable to find a suitable time please contact us on (07) 3399 8922 and we'll do our best to accommodate your request.

Call Us Mortgage Choice Morningside
Office - 07 3399 8922
Fax - 07 3103 4214

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

Address

"Morningside Plaza", Shop 3 38 Junction Road MORNINGSIDE, QLD 4170

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Start your home loan journey today

If you’re unable to find a suitable time or would prefer a Saturday appointment, please contact us on (07) 3399 8922 and we'll do our best to accommodate your request.

Welcome to Mortgage Choice Morningside

Our office is conveniently located at Shop 3, Morningside Plaza, 38 Junction Rd, right next to the Colmslie Hotel in the Coles Shopping Centre.

Mortgage Choice Morningside is proudly owned and operated by Ben and Laura Passfield, a brother-sister team with a passion for helping locals across Morningside, Cannon Hill, Bulimba, Hawthorne, Norman Park and surrounding suburbs achieve their property and financial goals. The Morningside team are here to make the loan process simple and stress-free. We’ll handle the legwork and guide you through every step, so you can focus on what matters most.

We can help you with:

Residential home loans
Investment loans
Refinancing your existing loan
Construction and renovation loans
Commercial or business loans
Car and personal loans
Debt consolidation

Whether you're buying your first home, refinancing, or growing your investment portfolio, our team will guide you every step of the way with personalised advice and ongoing support.

As Mortgage Choice brokers, our home loan service comes at no cost to you, and we compare over 35 lenders to find the loan that best suits your needs.

Call us on (07) 3399 8922 today – we’d love to help you achieve your goals.

Client reviews

The only place to go for your mortage needs. Brian and Leanne of mortage choice morningside are fantastic. Great customer service and very patient. Couldnt have done it without them or achieved a special off market interest rate I will certainly be recommending this business friends and family.

Alicia
17 December 2024

Brian was very informative and managed our quick timelines along with a more difficult application.

Christine
06 December 2024

Brian was great to deal with when securing my first home Kept me updated throughout the whole process and reassured me when I became increasingly worried about deadlines and approvals. Brian was patient with my multitude of enquiries and extremely helpful. Would recommend

12 November 2024

It was a long journey from initial pre-approval to finally securing my home, and Brian and Leanne were great through the entire process. Prompt and clear communication, answered all queries and made the whole process stress-free.

Kayla
10 October 2024

I highly recommend using Mortgage choice
I have used Brian Terris twice and it has always been stress free and positive experience.

Leona
25 September 2024

Brian and Leanne were very helpful in supporting us in buying a home, with Brian providing sensible and pragmatic advice and being available to support us with timely decision-making and choosing a suitable lender for our needs. Thank you for all of your help and support with this important life decision.

01 September 2024

Brian really helped put us at ease with his wealth of knowledge and helped clarify our many questions. Thank you Brian.

Emily
14 June 2024

Brian and the Team at Mortgage Choice Morningside helped me find the best home loan option for my situation and went above expectations when he thought he could find a better option which he did.

He also assisted me throughout the application process, to which is all quite foreign to me having only bought one other property in my life which was 15 years ago.

I would highly recomend their services and have done already personally through friends.

Simon

Simon
30 April 2024

Many thanks to Brian and Leanne Terris at Mortgage Choice for all the help and advice in our re-financing process. It could not have been better or gone smoother. Much appreciated.

Paul
10 April 2024

Brian is an outstanding Mortgage Broker. He was always available and really went out of his way to help find us the best loans. He was always willing to answer a call and answer all of our questions. Leanne was also incredible and was always available to help us assess the price of properties we were interested in. Highly Recommended

Luke
25 January 2024

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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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Your Award Winning Mortgage Broker for Morningside, Cannon Hill, Bulimba & Surrounds