Mortgage Choice brokers Terry Harrison & Kathryn Harrison, Stafford & surrounds

Call: 0422 640 914

Terry and Kathryn are an amazing team of mortgage brokers who are consistently rated 5 out of 5 by their clients. They aim to simplify the complex world of finance for their clients.

“We inform people of their options across the various lending products in the market, advise on which ones are the right fit for them, and support them on their lending journey,” says Terry.

The team can work with clients from across Australia

Call Us Mortgage Choice Stafford
Office - 0422 640 914

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

Latest home loan interest rates

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Services

A friendly, expert team who provide advice you can rely on, support, and practical assistance to ensure your borrowing process happens smoothly. From the simple to the complex, Terry and Kathryn have all your lending needs covered.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Reverse mortgages (Referred to third party)
Personal Loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans
Insurance (third party referrals)

A little more about our service

Terry and Kathryn can guide you through the lending process with knowledge, insight and patience. If you’d like any further information or you don’t fully understand something, just ask them (there is no charge) – it’s always good to have some knowledge of the financial world before you go for a loan!

Terry and Kathryn are fully mobile and have clients across Australia and service the following areas:

Noosa to Northern NSW
west to Toowoomba
Brisbane
Sunshine Coast
Gold Coast

What is your borrowing power?

When you're ready to purchase your property, it's important to have a good understanding of how much you can borrow. We know that finding out how much you can borrow for a property can be a bit confusing, which is why we have some great resources at your disposal.

Feel free to check out our easy-to-use home loan calculators here or get in touch with us to discuss your unique situation.

Ready to start your home loan journey with our help?

Find out for yourself why our customers are so happy. I'll make your next purchase an easy one.

Call Terry on 0422 640 914 today or book an appointment.

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Stafford, Everton Park, Kedron and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with us to discuss your unique circumstances.

Ready to kickstart your journey to homeownership?

We’ll assist you along the way and do all the legwork for you! Call Kathryn today on 0403 199 351 or book an appointment.

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

Honest, knowledgeable, and friendly. Everything that you need from a mortgage broker. They will look after you and your finances

Dino
20 February 2024

Fantastic service from Terry and Kathryn. Were very helpful helping me get my first home loan. Would highly recommend for anyone looking for a loan.

liam
24 January 2024

If you are looking for a genuine, down to earth, knowledgeable and approachable mortgage broker, you cant go past Kathryn and Terry. They made the whole process seamless and really supported us in achieving our goal of owning a home. I cant thank them enough xxx highly recommend

Maria
15 November 2023

The only reason I deal with Smartline is because of Terry Harrison. He got me my first loan a loooong time ago when I was 25 - almost 25 years ago - and he was manager of the local CUA branch in Toowoomba (now GSB). He has managed to do all my loans since, for personal and Self Managed Super Fund work. I have recommended Terry to family, friends and work colleagues and he has provided each and every one of them... read more

Michael
10 May 2022

Mark was great to deal with and kept me up to date with how our loan application was progressing. He communicated exceptionally well with me.

Rodney
18 April 2022

Our second time using Terry Harrison, once again he was incredibly helpful, nothing was too much trouble and made the whole process very easy

Phillip
07 April 2022

I have thoroughly enjoyed having Terry as a broker, he is approachable, easy to get a hold off and always well thought out.

Sajid
02 March 2022

Terry was a pleasure to work with. He was prompt, talented, respectful and able to support us through a new chapter that was easy to understand. Thanks again Terry

Nicholas
24 February 2022

Terry was outstanding as always. I’ve lost count of how many times we’ve used his services. Set up our refinance options to suit our upcoming maternity leave exactly as requested. Thank you!

Debra
03 January 2022

Terry is very reliable and professional. I really appreciated what he did to help during the whole process. Would recommend to people who need right loan solution.

Hsin-Yi
28 December 2021

Kathryn Harrison is an excellent Adviser with superior knowledge of the industry and ability to understand the complexities of mortgage brokerage. She is very responsive, friendly and approachable and I would recommend her to anyone.

Brione
31 August 2021

Great customer experience. Smartline was a pleasure to deal with and provided a comprehensive range of options to suit my needs.

Rebecca
23 August 2021

This issue the 3rd property I have purchased with Kathryn. I trust her completely. She understands what my needs are and she provides great advise tailored to me. I do recommend Kathryn to everyone I meet. Having Terry as backup when Kathryn is away means always having help and never feeling anxious or alone when external party demands increase or decisions need to be made. I would never use anyone else.

Melody
24 July 2021

Terry was fantastic and persevering with our refinance even during such a busy banking time. We were very happy with the way he looked after us and did whatever he could to get us the best valuation.

Debra
28 June 2021

Terry once again was extremely helpful and always keeps us in the loop as to the progress. Many thanks again Terry.

Rosanne
28 April 2021

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

Download now

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Calculate

You could borrow up to

Repayments
/ month
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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

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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

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First Home Buyer?

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Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
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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.

If you buy a home costing up to $430,000, no stamp duty is payable at all. If the value of your home is between $430,000 and $530,000, you’ll be entitled to a reduced rate of stamp duty. There are no additional concessions for homes valued above $530,000 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.