Multi-award Winning Mortgage Brokers & Home Loan experts on the Gold Coast - Coolangatta, Currumbin, Tugun and surrounds.

Call: 07 5508 2205

Are you seeking expert guidance for your Home Loan or a reliable Mortgage Broker to help you achieve your property dreams?

Look no further than the experienced team at Mortgage Choice on the Gold Coast, your local Home Loan Specialists and Mortgage Experts.

Our dedicated team has been recognized as the Number 1 Broker in Australia for 2024 by Mortgage Choice, reflecting our commitment to excellence and client satisfaction.

Let us help you begin your home loan journey here.

Call Us Mortgage Choice Currumbin
Office - 07 5508 2205
Fax - 07 5508 2204

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

Address

29 McKenzie Drive CURRUMBIN, QLD 4223

Expert Mortgage Brokers in Coolangatta, Palm Beach, Tugun, Currumbin & all surrounding suburbs

Are you planning to buy your first home, refinance your existing mortgage, invest in property, or upgrade your current residence? Look no further than Mortgage Choice servicing Coolangatta, Palm Beach, Tugun, Currumbin and all surrounding suburbs on the Gold Coast and in Northern NSW. Our award-winning team of mortgage brokers is dedicated to helping you achieve your financial goals with tailored solutions and exceptional service.

Comprehensive Home Loan Services

As award winning Mortgage Brokers, our experienced team at Mortgage Choice on the Gold Coast/Northern NSW offer excellent advice, outstanding customer service and can provide the best deal across a range of services, including:

First Home Buyer Loans
Residential Home Loans
Investment Loans
Refinancing Loans
Contruction Loans
Commercial or Business Loans
Car Loans
Personal Loans
Equipment Finance
Debt Consolidation

Our experienced brokers simplify the loan process by handling all the research, paperwork, and negotiations on your behalf, ensuring a smooth and stress-free experience.

Proudly Assisting Homeowners Across the Gold Coast & Northern NSW

We proudly assist clients in the entire Southern Gold Coast including Coolangatta, Palm Beach, Elanora, Currumbin, Tugun, Bilinga, Beaudesert and extending into Northern New South Wales including Tweed Heads, Terranora, Chinderah, Fingal and Banora Point.

Why Choose Mortgage Choice?

As your local Gold Coast and Northern NSW Mortgage Broker and Home Loan Experts we will make the process easy, painless and hassle free with:

Access to hundreds of loan products from Australia's leading lenders
Personalized advice tailored to your financial situation
End-to-end support throughout the loan process
Commitment to finding the best deal for you
Award-Winning Expertise
Comprehensive Services
Local Knowledge
Client-Centric Approach

Mortgage Choice servicing the Gold Coast and Northern NSW!

(07) 5508 2205 or email sales.palmbeach@mortgagechoice.com.au

AVAILABLE FOR AFTER HOURS APPOINTMENTS!

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

I just bought my first property and I had Ben Courage and his team looking after me he showed a lot of professionalism and knowledge and it was really great having Ben and his experience with me every step of the way

Dean
08 April 2023

Adam Courtney, was impeccable with his advice and guidance to achieve our dream. Adam, even through a couple of stressing moments, kept our heads held high and went the extra mile, to help us and keep us well informed and confident until the day of exchange of our new house. We highly recommend Adam, if you want professionalism, honesty, integrity then he is your man.

Sunny
23 June 2021

Adam helped take the stress out of a tricky refinance for me. I would recommend him to my friends

Tracy
23 June 2020

Had a great experience working with Adam. He was very helpful, prompt and provided us a seamless process in what can be very daunting. Will definitely be using his services again for our next home and recommending him to friends and family. Thank you Adam for always answering my 1001 questions in laymans terms Also, thank you for coming by to our house for us to sign paperwork when we couldnt make it to you during business hours.

Eva
23 June 2020

What a great young man, never stammered at my 72 years of age. Systematically gathered all factual information, found me a lender and acquired the loan. I might add Adam worked very hard but never lost sight of a few safety margins to ensure that I would not be caught down the line.
I cannot recommend this man highly enough. Great job Adam.

Graham
23 June 2020

Thorough professional, I simply would not have had obtained my desired loan if not for Adam, highly recommended, he will make it happen , best broker in CoolangattaTweed area

Andre
23 June 2020

We had a great experience with Adam. We were a walk in customer but Adam really took care of us from start to finish. He was inclusive in the entire process, very accomodating, even met us in the evening 7pm to do paperwork and kept us in the loop every step of the way. We were very very impressed and will be recommending Adam to anyone looking for a home loan. Thank you for making our part that much easier. All the best to you. PL

Lina
23 June 2020

Had a great experience working with Adam. He was very helpful, prompt and provided us a seamless process in what can be very daunting. Will definitely be using his services again for our next home and recommending him to friends and family. Thank you Adam for always answering my 1001 questions in laymans terms! Also, thank you for coming by to our house for us to sign paperwork when we couldn't make it to you during business hours.

Eva
28 August 2019

Thorough professional, I simply would not have had obtained my desired loan if not for Adam, highly recommended.

Andre
23 July 2019

Highly recommend Adam. Outstanding service from first meeting to settlement. Adam is highly professional, efficient and prompt in his service. He has made the process incredibly easy and we will most certainly work with Adam and Mortgage Choice in the future!

Lara
23 July 2019

Property Ownership

This guide outlines the essential steps to achieving property ownership, starting from the first appointment with a mortgage broker all the way to settlement.

Download now

Help me calculate

More calculators

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.

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.

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.