Belinda Sugars
Mob: 0433 412 756
Luke Hunyadi
Mob: 0433 587 173
Home Loan Mortgage Broker servicing Unley, Goodwood & suburbs East of Adelaide.
If you are looking to buy a new home , investment property or even refinance your current home loan, chances are you have a few questions about the best way to arrange finance:
How do I apply for a home loan?
How long does it take to get your home loan approved?
How much can I borrow?
How much deposit do I need.
Do I have enough equity to buy an investment propety?
Will refinancing get me a better deal?
A mortgage broker can help answer these questions and take away the hassle and confusion.
If you would like to talk to a mortgage broker who can answer all your questions and who will listen to your needs give us a call on 1300 768 258 or contact us by clicking on the Contact Us link above.
Why choose Mortgage Choice ?
Mortgage Choice is Australia's largest independently owned mortgage broker and has been voted No 1 mortgage broker by "The Adviser" a well respected industry publication.
How Mortgage Choice can help you
Our services include:
First Home Owner Loans Investment Loans Refinancing Family separation and associated loan structures Debt Consolidation Loan top-ups (renovations, car, holiday or any other legal purpose) Home Loan Health ChecksOur services have recently expanded to provide insurances in the areas of Mortgage Protection, Life, Building, Contents as well as Income protection.
We are full members of the Mortgage Finance Association of Australia (MFAA) an hold a Certificate IV in Financial Services.
We look forward to assisting you with your next residential property transaction.
Contact Us on 1300 768 258
Testimonials
"Just wanted to say thankyou for all your help during my Home Buying Process. I very much appreciated the excellent service you provided and will definitely be referring you to all my friends and aquaintances!."
- Sophie, Fullarton.
"Thankyou so much for all your help with me buying my first home. Your professionalism and friendly voices over the phone made the whole experience stress-free and enjoyable!"
-Natalie, Nailsworth
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.