Andrew Kerr
Jacqui Kerr
Mortgage Choice | Mortgage Brokers | Beaumaris | Melbourne | Victoria | Australia | Home Loans | First Home Buyers | Home Equity Loans | Refinancing | Property Investment
Winners 2007 & Runners Up 2008 & 2009 of the Mortgage Choice Vic/Tas Single Operator of the Year
Winners of Victorian Business Excellence Awards, 2006, 2007, 2008, 2009 & 2010.
Based in Melbourne's suburb of Beaumaris we specialise in providing immediate and ongoing lending advice whether you're a first home buyer, investor, upgrader or just looking to refinance for a better deal.
Our Vision is to understand your short and long term objectives, provide the loan that best suits your requirements and provide exceptional ongoing customer service that includes advice on lending, banking, budgeting and ongoing cashflow management.
Why are we different from going directly to the bank or using other mortgage brokers?
We were awarded the Mortgage Choice Vic/Tas Single Operator of the Year because once you become our client we individually tailor our cashflow management advice to systematically plan and continuously monitor your cashflow! While personal loans, car loans and credit cards are often pushed onto consumers by the banks and other brokers, we give you the tools necessary for you to monitor your cashflow and get the banks working for you instead. We help you plan what you want to achieve each year and structure your banking to help you achieve it. So it's not just about selecting the right home loan, we continue working for you each year thereafter.
We keep you informed at every step of the loan process. We make the experience quick, easy and convenient, taking care of the application on your behalf and liaising with your Bank, Real Estate Agent and Solicitor.
A very important point; we don't charge you. We get paid the same* commission by Mortgage Choice, no matter which home loan or bank you choose from our panel.
*This information refers only to loans provided by our panel of up to 24 lenders with whom Mortgage Choice has an agreement, under which it receives commission and other payments.
Testimonials from some of our clients:
"Thank you so much for all the help you gave us with our loan refinancing. We had never used a mortgage broker before, so were a little hesitant and unsure whether you would be able to help us. Andrew understood our position and explained his recommendation clearly and we were very happy with the solution he recommended. The saving in interest was very significant and having all our accounts with the one bank is going to make it so much easier to handle transfers and paper work. The whole loan process was very smooth and friendly and I appreciated being kept up to date with how the loan was progressing and the constant checking that all the paper work was exactly right. It was wonderful having someone handle everything for us and we were amazed at how easy Mortgage Choice Beaumaris made the whole process. It was a pleasure to deal with such knowledgeable, efficient and friendly people and we wish you every success with your business. Mortgage Choice Beaumaris certainly gets a 10 out of 10 from us and we have no hesitation recommending you to our friends. We have already told many people how happy we were with your service and you will definitely be hearing from my son in the near future to see what you can recommend for him."
Sue and Alan Beazley, Beaumaris, Vic
"Andrew's wealth of knowledge and expertise has helped us to develop a successful finance strategy that enabled us to purchase our first investment property. I look forward to continually working with Andrew and the team at Beaumaris to build a large invesment portfolio." Jodie Johnson
"My sincere gratitude for all your help in organising the finance for my new house. From our first meeting you managed to make, what can be a harrowing time, into a very non worrying experience.I really appreciate the time you spent outlining our options and then attending to all the details so professionally throughout the arrangements.
Elaine Simkiss, Mt Eliza, Vic
We found the Mortgage Choice Beaumaris office very helpful in explaining the loan process and resolving any issues that came up during the process. We were very impressed in how accessible Andrew Kerr was (e.g. phone calls late at night and on weekends).
Rocky and Bronwyn Camera, Highett, Vic
"Best mortgage advice and follow up we have ever had in our combined 50 years of experience of house buying in Australia and the U K: It was friendly, informative and informed; practical, versatile and effective. We especially appreciated Andrew's and then Amanda's thoughtfulness, energy and
persistence in seeing us through unforeseeable complications and a last minute hiccup." Herb and Eve Hahn. Beaumaris Vic
"We would like to thank you so much for all your help with our mortgage application. You went above and beyone our expectations. I also know we must have been a particularly difficult case for you and I appreciate the long hours you put in on our behalf."
Ami and Ian McAllister, Edinburgh, Scotland
Whilst we market actively in Beaumaris, Black Rock, Cheltenham, Sandringham, Highett, Mentone, Aspendale, Braeside, Mordialloc, Parkdale, Edithvale, Chelsea and Chelsea Heights, our Mortgage Brokers will visit you in any suburb throughout Melbourne. We service our interstate and international clients via phone, fax and email.
Testimonials
"I would honestly have to say the whole experience that I’ve had with dealing with you, Andrew Kerr and mortgage Choice has been an absolute 10 from start to finish!
You are to be congratulated on being so friendly, professional and thorough in everything you do.
I was made to feel that nothing I asked was too much trouble, something all too rare in any business today. I’ll definitely have no hesitation in recommending your services to all my friends.
Kindest regards and thanks again."
Pete Wilmott J
"The best service I have experienced. Very helpful and efficient. Not just there to get you signed up but rather I was given helpful and friendly advice on different ways of structuring the mortgage at the first meeting with Andrew Kerr. Thereafter the follow up service was magnificent and I did not have to call Mortgage Choice for updates as they called me. That is what I like and I was kept informed of the progress each step of the way, never left to guess! Thanks a mil Mortgage Choice, I am so grateful I made the choice to go with you guys!
Graham & Tarryn Cox
Mortgage Choice cares, they care to listen to your silly questions, they care that a response is within the same day, they care to let you know where your application is at, they care to help you understand and they care to make you happy. If you care about the choices you make about your mortgage then take care and choose Andrew & Jacqui Kerr at Mortgage Choice Beaumaris. Lisa Cubela
"I am so lucky to have discovered Mortgage Choice - and in particular Andrew Kerr.
I was in a difficult situation last year. I was going through property settlement negotiations with my former wife and solicitors. I needed to know what my options were and how much I would be able to afford. I desperately wanted to keep my house and my investment property. I had visited the local branch of the Commonwealth Bank - after 5 minutes the loans officer advised that there was absolutely no way I would be able to get a loan for as much as I was asking. They had pushed buttons on their computer - and the answer was no - sorry.
My initial meeting with Andrew Kerr was everything I hoped for. He spent the time to get a thorough understanding of my financial position (both income and expenses) - looking at it from the point of view of what would be best for me - not what the banks would want. He was able to check & recheck the figures to get the best deal for me regardless of the banks policies. Andrew was professional in the highest degree - I really felt that he did everything he could to help me and for that I am extremely grateful.
Thank you Andrew - you helped me when the banks wouldn't - and I look forward to continued contact with you. Instead of thinking of you as a company that wants my business I prefer to think of you as a mate - who worked out what I needed and then went that extra mile to help me.
Thanks mate. Michael
How to choose a home loan
Here are 5 essential tips that you should consider when choosing a home loan:
1. Interest rates
Interest rate is obviously important, but remember that you are not simply looking for the home loan with the lowest interest rate because there are many other considerations.
For example, the mortgage lender with the ‘best’ interest rate may have high ongoing fees and therefore your home loan may cost you more in the long term than a similar one with a higher interest rate.
Be sure to consider ‘break and switch’ costs as well because if you decide to pay out your home loan or refinance before time will you be charged exorbitant fees to do so.
Also, be wary of an introductory rate. It may be ‘cheap’ at the start but it may also revert to a much higher rate after once the introductory term has finished. You should try to negotiate an interest rate discount with your mortgage lender over the longer term.
2. Features and flexibility
What are the home loan features that you need? Home loans with the ‘best’ interest rate may not have all the features you need or be as flexible as you need it to be. For example, do you want the ability to pay extra so you can prepare yourself for future rate rises and also create a buffer if your financial circumstances change?
You also need to consider the accessibility of your mortgage lender in terms of ATM, internet, face-to-face contact, etc. Decide what you need and ask whether your chosen home loan lender has the features available.
3. Consider the current home loan approval times
Is your home loan approval time critical? If so, the lender with the ‘best’ home loan may not be able to get your loan approved in time. During peak processing periods, lender service times can vary between 2 to 20 working days.
4. Compare home loan products
Visit a reputable mortgage broker with more than 20 lenders on their panel. This way, you can research and compare a broad range of home loans and lenders all within the one visit.