Andrew Sawyer
Mob: 0418 818 933 (WA FB Lic No: 2527)
Welcome to Mortgage Choice located in Cloverdale
FB Lic No: 5271
We are located at 5 / 226 Fulham Street, Belmont (opposite the Belmont forum).
Whether you are a first home buyer, investor or you are interested in refinancing we will help you find the loan that's right for you. At Mortgage Choice we recognise that no two customers are the same, so we take the time to assess your individual needs and help you find the loan that works for you.
We can assist with the following:
Purchasing your first home
Selling your current home and upgrading
Purchasing vacant land
Building a new home
Investing in property
Loans for personal investments
Refinancing your current loan
Top up on your existing loan
Fixed vs Variable rate decisions
Personal loans (eg for the purchase of cars or boats etc).
We have access to hundreds of loan products from a large panel of lenders so that our team of experienced brokers can help you find the loan that's right for you. We also help you with the paperwork and keep you involved throughout the entire home loan process making it as easy and stress free as possible for you.
If you would like to chat with one of our brokers, please call us today on 9277 9888 to make an appointment at the office or a location that is more convenient to you.
Testimonials
Thanks Andrew for your fantastic service and invaluable advice in regards to our latest property purchase. I will certainly contact you first for future finance needs.
Warm Regards
Jeanine H
Orange Grove - 6109
Andrew, I would be very happy to speak to the media about my experience of your professionalism. You have been an outstanding support and I think that we can safely say that our new property wouldn't be settling in our name if it wasn't for your knowledge and experience. Plus you saved us $000s!
V MacCarthy
Thanks Damien for all your help. Fantastic Job! We have kept your card for family and friends who may require your assistance.
Jason & Cass W
Mariginup - 6065
Dana, I would like to thank you for your outstanding customer service. If you ever need a testimonial I would be delighted to provide one.
Scott S
Kenwick - 6107
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.