Mortgage Choice Ballina

Mortgage Choice Ballina Your local Mortgage Broker team dedicated to the Northern Rivers, with more than 20 years experience Give us a call and let's start working on your dreams.

Being a Mortgage Choice Mortgage Broker is more than researching loans. So let me explain just how our services work, to give you an understanding of how simple and stress-free we can make the process.

- We start with a chat to discuss your needs and dreams.

- We'll research the market to find loans suited to your individual circumstances.

- We'll go through your options, discussing in detail e

very angle of every loan.

- We will complete, check and submit your application.

- We will liaise with the lender and all the other parties involved right through to settlement.

- We are totally available to answer any post-settlement questions, and we'll be here in years to come to look at options for whatever life brings. DISCLAIMER: Mortgage Choice Pty Limited (ABN 57 009 161 979, Australian Credit Licence 382869) and Smartline Operations Pty Limited (ABN 86 086 467 727, Australian Credit Licence 385325) are owned by REA Group Limited. Your broker will advise whether they are a credit representative of Mortgage Choice or Smartline.

06/06/2026

🏠 Huge news for First Home Buyers! 🚨

The latest budget is out, and there are some major updates that could fast-track your journey to handing over a deposit and grabbing those keys. 🔑

Here are the key takeaways to know.

If your budget is feeling the pinch with rising fuel prices and you’re considering a more environmentally and budget-fri...
05/06/2026

If your budget is feeling the pinch with rising fuel prices and you’re considering a more environmentally and budget-friendly car, an electric vehicle could be a good fit.

With EOFY right around the corner, now’s the perfect time to look at electric vehicle options, including potential Fringe Benefit Tax exemptions and lower, ‘green’ interest rates.

Reach out today to get started.

The negative gearing rules just changed — and most investors don't fully understand what it means for them. 👇If you owne...
03/06/2026

The negative gearing rules just changed — and most investors don't fully understand what it means for them. 👇

If you owned an investment property before Budget night (12 May 2026, 7:30pm), you're grandfathered. Your tax treatment stays exactly as it is — for as long as you hold it.

But if you're buying an established property now? Different rules apply.

And if you're thinking of selling a grandfathered property — there's something important you need to know before you do.

Swipe through for the full breakdown, including:
→ The exact cut-off date and what it means
→ Who's protected and who isn't
→ Why the market may see fewer properties for sale
→ What's still fully available for new builds

This is one of the biggest changes to property investment in years. Worth understanding whether you're a current investor, thinking of buying, or reconsidering your strategy.

💬 Want to know exactly where you stand? Book a free 15-minute chat with our team

🔗 calendly.com/highlandpark-mortgagechoice/15

Did you know that switching from monthly to fortnightly or weekly repayments can shave years off your mortgage? By swit...
29/05/2026

Did you know that switching from monthly to fortnightly or weekly repayments can shave years off your mortgage?

By switching to weekly or fortnightly repayments, you increase the frequency of your payments and can effectively pay off more of your loan each year. It’s a simple ‘set and forget’ hack to pay off your home sooner. 🏡

Want to see how much time you could save? Talk to us today and we’ll crunch the numbers for you.

When was the last time you reviewed your home loan? With interest rates on the rise, now is a smart time to explore you...
25/05/2026

When was the last time you reviewed your home loan?

With interest rates on the rise, now is a smart time to explore your home loan options.

Try our Refinance Calculator to compare your home loan against thousands of options from our panel of over 35 lenders. In only three minutes, you can discover if there’s a more competitive rate out there.

Get started today.

22/05/2026

🚨 THE PROPERTY LANDSCAPE JUST CHANGED. 🚨

If you own or want to buy investment property in Australia, last week’s Federal Budget just dropped the biggest tax bombshell since 1999.Here is what you need to know right now:

👉Negative Gearing axed for established property: If you buy an existing home after budget night, you can no longer offset rental losses against your salary. It’s now restricted to new builds only.

👉CGT 50% discount is gone: Starting July 1, 2027, the 50% Capital Gains Tax discount is being replaced by an inflation-indexed system with a 30% minimum tax floor.

👉The silver lining? Existing properties owned before May 12 are grandfathered. Plus, new builds and depreciation rules remain intact! The game has changed, but the opportunity hasn’t disappeared—it has just shifted.

Watch the video to see how this impacts your current portfolio or your next move.

The budget just changed the game for first home buyers. 🏡If you've been sitting on the sideline waiting until you had a ...
20/05/2026

The budget just changed the game for first home buyers. 🏡
If you've been sitting on the sideline waiting until you had a 20% deposit — you might not need to wait anymore.
The expanded First Home Guarantee means you can buy with just 5% deposit and pay ZERO Lenders Mortgage Insurance. The government backs the rest.
Swipe through to see exactly how it works, who qualifies, and what the real numbers look like right here on the Gold Coast and Northern Rivers. 👆
We help first home buyers navigate this every single week — and right now, with the budget fresh, is the best time to get clarity on where you stand.
📞 Call us now or click the link in our bio to book your free 15-minute First Home Buyer readiness call. No obligation, no jargon — just a clear picture of what's possible for you.

Understanding your borrowing capacity is often the first step in any property journey. 🧐 Borrowing capacity is the maxim...
18/05/2026

Understanding your borrowing capacity is often the first step in any property journey. 🧐

Borrowing capacity is the maximum amount of money a lender is willing to loan you to purchase a property. It factors in your income, your existing debts, living expenses, and the lender’s current interest rates, to ensure you can comfortably manage repayments.

We have access to market-leading rates from over 35 lenders, and each one may calculate your borrowing capacity differently.

Ready to find out where you stand? Let’s chat today for a quick assessment of your borrowing potential.

Finding your first home is exciting, but the research phase can quickly send you down a rabbit hole of tabs, calculators...
16/05/2026

Finding your first home is exciting, but the research phase can quickly send you down a rabbit hole of tabs, calculators and confusing terminology. 🏠🌀

You don't need more search tabs – you need a broker by your side.

We’ll do more than just secure a home loan for you. We’ll take the time to cut through the jargon so you know exactly where you stand and how to get where you want to be.

Let’s simplify your home-buying journey together. ✨

Address

Suite 1/144 River Street
Ballina, NSW
2478

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61266286130

Website

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