Mortgage Choice at Gymea, your local Sutherland Shire Mortgage Broker
INVESTMENT PROPERTY SEMINAR
Our Investment Property Seminar on Tuesday 24th was a great success, so much so we will be running another within a few weeks. Details to be announced. If you would like any information in the meantime please feel free to call the Gymea team on 02 9525 4544
Ben Herden has taken out the National Business Excellence Award for the NSW South & ACT. He was also honoured with the inaugral National award for 'Contribution to the System' at the annual Mortgage Choice 2010 National conference in Melbourne.
FIRST HOME BUYERS First Home Owners can still qualify for a full waiver of Transfer Duty (property stamp duty) PLUS the original $7,000 Grant. Ask us how today.
How else we can help
You may not realise it, but we are also very experienced in refinancing people into better home loans. You may be surprised to learn that we can improve on most people's current home loan situation. Loan structuring is a specialty, and something I (as an ex-financial planner) am very passionate about. This might include debt reduction (how to pay off your home loan as fast as possible), or simply reducing your payments.
To speak with a local, Sutherland Shire based home loan expert contact us today:
Gymea: 69 Gymea Bay Road, Gymea NSW 2227 Phone: 02 9525 4544 Fax: 02 9520 7966
Ben Herden: 0412 268 713
Shara Nugent: 0431 480 413
Michele Hutchen: 0420 365 111
Providing the best service to our clients since 1999. Servicing Cronulla, Caringbah, Miranda, Gymea, Kurnell, Bundeena, Mainbar, Lillipilli, Burraneer, Woolooware, much more - we have clients all over Sydney!
Testimonials
THINKING OF REFINANCING? Mortgage Choice Gymea have helped hundreds of clients refinance their home loan. We can help you to. Ask us how!
The professionalism and service displayed by Ben and Josephine is truly outstanding. They both went beyond my expectations in helping me out and they made purchasing my first home as easy and stress free as possible. Highly recommended!
B McDougall, 2009
Engadine
Shara was extremely professional and did everything we thought she would. She was friendly and accommodating and I would not hesitate in using Mortgage Choice, in particular Shara again
K Shaw, 2009
Engadine
When I first came in I had no idea! Ben took the time to explain everything in great detail. The team were always available to answer my questions. Thanks to them I now own my first home. I would definitely recommend them to anyone else in my situation.
C Gear, 2009
Miranda
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.