Your Local Mortgage Broker in Sutherland

I am part of a team of professional, experienced mortgage brokers working at Mortgage Choice in Miranda. I am a Sutherland Shire local and can come and see you at a location and time convenient to you or you can make an appointment in our office. In addition, we also have a friendly loan support team in our office, which means there is always someone monitoring your application throughout the loan process and they are available to answer all of your important questions

All our clients become a member of our " Customer for Life " program - This is our commitment to your ongoing needs and changing circumstances. This means our team will take care of you throughout the loan process as well as in the years after your settlement, with regular phone calls and emails. You will also be part of our network of Business Alliances. This differentiates us from most other brokers and finance providers

My work ethic and finance experience has had a strong emphasis on customer service and satisfaction. I enjoy working with clients to find financial solutions, whether that be, refinancing an existing loan, loan consolidation or as a first home buyer, striving to achieve the great Australian dream of owning a home. My comprehensive understanding of lending criteria, together with my desire to achieve great outcomes is key to the success I have had with my clients and the reason why clients continue to come back and refer their family and friends.

WHAT MAKES US DIFFERENT?

I have a team of professional, experienced mortgage brokers who can come and see you at your convenience, as well as friendly loan support staff in our office. This means there is always someone to assist you throughout the loan process to answer all of your important questions
Our "Customer for Life" program is our commitment to your ongoing needs and changing circumstances. This means my team will take care of you throughout your loan process as well as in the years after your settlement, with regular phone calls and other contacts throughout the year. This differentiates us from most other brokers and finance providers

WE CAN ASSIST YOU TO

Pay off your mortgage years sooner
Consolidate your mortgage, credit cards and personal loans into one low rate
Purchase an investment property or fund other investments
Purchase your first home - we can also assist you with the First Home Owner Grant
Restructure your current mortgage to ensure that it is helping you to achieve your goals

We are also local advocates, and support the loca Sutherland community through sponsorship of:

- Sutherland PCYC
- Sylvania Heights Public School
- Taren Point Bowling Club

My business has been established in the Mortgage Industry since 1998 and formed a corporate identity called MFO Enterprises Pty Ltd in 2003. Since then, we have serviced over 6,000 clients and written over $1 billion in loans to become the largest Mortgage Choice Franchise in Australia. We have also been the winner of the prestigious Mortgage Choice "High Flyers Award" every year since 1999, which places us in the Top 10 Mortgage Choice Franchises in Australia for twelve years in a row. This means that we have the experience and professionalism to deal with all your home loan needs, not matter what your circumstances.

How will today's rate cut help you?

Save more by revving up your loan repayment strategy

Published: 3rd May, 2012

Provided lenders pass on all or most of today's Reserve Bank cash rate cut, astute home loan holders who maximise this opportunity could save thousands of dollars in interest and shave months, or even years off their loan term, according to Australia's largest independently-operated mortgage broker, Mortgage Choice.

Company spokesperson Belinda Williamson said, "We hope today's move by the Reserve Bank to lower the cash rate by half of a percentage point to 3.75% does not become a non-event for variable rate borrowers. A decision by lenders to pull the rate lever will likely have a much needed, positive impact on property buyers' plans and borrowers' ability to repay their home loan quicker."

"It is no secret that some lenders have shown a reluctance to pass on the full rate cut in a bid to safeguard their businesses against future funding costs. However, we are hopeful that in an effort to reignite the property market, entice new customers and in the spirit of competition, lenders will lower their home loan interest rates.

"Even if lenders, regrettably, pass on only part of the cash rate cut, astute borrowers who rev up their loan repayment strategy by keeping repayments at the pre rate cut level could save thousands of dollars in loan interest and shave months, or years off their home loan term."

If a lender passes on the full 0.50% rate cut announced today, for someone with a $300,000 loan at 7.25% over 25 years, it would lower monthly loan repayments by around $96.

"If a borrower continued to repay their loan at the pre cash rate cut level, leaving the monthly savings of $96 in each repayment, it could save them $68,364 in total interest payable and may see them repay the loan two years and eight months earlier," said Ms Williamson.

"If lenders choose not to pass on all, or most of the cash rate cut, borrowers should see it as a signal to shop around for a more competitive deal. Of course, they should not move from one lender and/or loan product to another without carefully weighing up the cost versus benefit of doing so.

"Health checking a home loan with a mortgage broker is a great way to ensure you are getting the deal suited to your needs and financial circumstances."

To see the impact extra repayments can make to your home loan, visit Mortgage Choice's Extra Repayments Calculator:http://www.mortgagechoice.com.au/extra-repayments-calculator.

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