Anthony Ferro
Mob: 0413 806 179
Your Mortgage Broker for Toowoomba and the Darling Downs
At Mortgage Choice we believe in taking the hassle out of finding you the most suitable home loan,
while delivering quality service every step of the way.
Are you a first home buyer, looking to refinance, wanting to build a new home or just looking for information about home loans, then Mortgage Choice can help.
Anthony Ferro and his team bring experience, knowledge and understanding to the home loan process. At Mortgage Choice you are dealing with the owners of the business whose focus is all about you and your needs. It's all about service.
Anthony and Deborah Ferro have owned Mortgage Choice in Toowoomba since 2004 and lead a professional team of lending specialists. They are well regarded for their finance knowledge, professionalism, customer care and attention to detail.
Mortgage Choice was voted best mortgage broker in 2004, 2005, and 2007 at the Australian Banking and Finance Awards.
Why use Mortgage Choice instead of your banks?
Wide choice
We analyse over 400 home loans from our panel of Australia's leading lenders to find the loan that matches your needs as a first home buyer, investor, renovator or general home owner. The banks will only offer you their own home loan products, which may not necessarily be the best option for you.
We don't sell our own home loans. We focus on fulfilling your needs from our panel of lenders.
Convenience
We do all the running around and will meet at a time and place that suits you. Your bank may not have the flexibility to offer you this service.
Service
At Mortgage Choice we believe in providing a quality service, building a relationship with you and helping you over the years with your home loan needs.
General lending services.
Our clients have been asking for a greater range of financial services from their trusted broker, and we have delivered.
Personal loans, car loans, car and vehicle leasing, equipment leasing and finance, business lending or commercial property finance, it's all here at Mortgage Choice!
Whether you are looking at financing a computer for $3,000 or wanting to fit out a shop/office, or even finance a truck for $250,000, we can help.
Why not get started right away
Apply now to find out how much you can borrow. Or call us today on 07-4638 8200
Testimonials
"We cannot thank you both enough for the effort you put in to have our debts consolidated and the extra effort you went to make sure that the loan went through quickly and without problems. The difference between dealing directly with the banks and through your service was amazing." NG & TS Toowoomba
We would like to extend our greatest appreciation for the professional service you provided us. It was very reassuring to speak directly with you at crucial points during our negotiations with the sellers, knowing that you were willing and competent to provide us with the information necessary for us to make an informed decision. Mr & Mrs A. Esk
"This is a letter to thank you so much for all that your did for us in helping with our home loan for our block of land. We had tried all the mortgage brokers possible to see if they could help us, unfortunately they all said no. Then there was you. You were very honest with us and explained that things would not be easy if at all possible. That meant a lot to us. We cannot thank you enough for all your hard work. You really did make the impossible, possible. We have no hesitation in recommending you to anyone we know and will definately be contacting you again when we come to build." AS & SS Highfields
"My wife and I found Anthony's services to be really outstanding. Our circumstances were really unique and we thought we had no chance of resolving our debt consolidation, but Anthony was always optimistic about our situation and he really lived up to it by finding us the best possible loan available." TM & SM (Dalby)
"A great big thanks Anthony for the time and effort you spent getting us our dream. We are so truly grateful and just want you to know it. I hope you have a great Christmas because you gave us ours." The M family. (Jondaryan)
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.