Mortgage Choice at Gymea, Cronulla Sutherland Shire.
Hi, my name is Ben Herden, I head the experienced team of mortgage brokers at Mortgage Choice at Gymea.
As local home owners and active participants in the Shire community, there's nothing we enjoy more than helping our clients realise their property goals in the area, and we'd very much like to help you. Whether it's your first home or an investment property, if you're wishing to relocate to the area or wanting to look at refinancing options for your existing loan, my team and I are here to help.
The Sutherland Shire Team
Finding a home loan or refinancing is something most only do a few times throughout their life, but for me and my team it's what we do day in, day out. We know the local property market and the broader lending landscape intimately and we work with you to find the loan that's right for you.
I've been a Mortgage Broker for almost 13 years, and between my team and I we've helped hundreds upon hundreds of clients with their loan needs. Our performance in this area has been well recognised. We have been regular winners and finalists of the Mortgage Choice Business Excellence Award, we have won numerous local Small Business Awards and we are keen contributors to the local community through our work with schools, clubs and the Chamber of Commerce. You may even have seen me on TV or read one of my articles as I am often consulted on issues surrounding property and investment.
Over the past 12 months the Gymea team have consolidated their position as one of the best mortgage brokers in the industry;
- Finalist MFAA Excellence Awards 2012
- The Advisor Magazine Top 20 Brokers (2011)
- MPA Magazine Top 100 Brokers (2011)
- National Multi Operator of the Year 2010/2011
- Mortgage Choice High Flyers Award 2010/2011
Yes, we are very proud of our work and the recognition, but the main reason I highlight it here is to let you know that when you work with us, you are working with a truly local team of experienced and committed professionals.
Beyond Home LoansTogether with our home loan services, we can help with:
equipment finance and leasing commercial loans insuranceTo further share our expertise, we also run regular seminars for
First Home Buyers and for those looking at
Investment Property - call us to see when our next seminar is.
Mortgage Broking - The ProcessHere's how we work:
1.
Initial Consultation - come in or we can come to you and we'll discuss your goals and circumstances. It's free, without obligation and fully confidential.
2.
Loan Choice - we'll assess hundreds of loan products from a broad range of lenders, present you with detailed information, then work with you, answering your questions to help you make the right home loan choice.
3.
Application to Settlement - we take the hassle out of the home loan process. We'll complete and submit the appropriate documentation then follow the application though to settlement.
4.
Future Needs - as long term Shire locals and Mortgage Broking professionals, we'll be here for you down the track should you have a question.
Let's get started - give us a call or click on the link to set up a time to meet. We can meet in our Gymea Bay Rd offices or we can come to you.
We look forward to meeting you.
Ben Herden and Team
Providing the best service to our clients since 1999. Servicing Cronulla, Caringbah, Miranda, Gymea, Kurnell, Bundeena, Maianbar, Lillipilli, Burraneer, Woolooware, and much more - we have clients all over the place!
Testimonials
DO YOU STILL HAVE THE BEST POSSIBLE HOME LOAN? Mortgage Choice at Gymea have helped hundreds of clients refinance their home loan. Give Mortgage Choice at Gymea a call for a free "Home Loan Health Check".||||||Refinancer||||||NSW
I have now used Ben's services on 3 or 4 loans and have always received friendly and reliable advice. You have saved me thousands of dollars structuring loans for me that the banks themselves couldn't. I look forward to continuing our relationship in the future and highly recommend your services.|||Greg Calderwood|||Upgrader|||Woronora Heights|||NSW
I couldn't have received a better service from Ben, Josephine and the team at Mortgage Choice, Gymea! The service was better from you than our lawyers who we paid thousands! You were informative, engaging, friendly, approachable and helpful! Thanks Heaps!|||Elise Aspin & Matthew Wyres|||First Home Buyer|||Miranda|||NSW
Really appreciated the professional & efficient service i received - in particular from Michele & Josephine. They relieved some of my confusion and stress during the entire process and kept me informed regularly. I am happy with the new loan & will recommend your team to anyone i know of looking for a loan. Well done & thank you!|||Carol Montilla|||Upgrader|||Miranda|||NSW
We are/were highly appreciative of all the support and advice. Most importantly the help and urgency to get our loan approved (just!) by the bank in time for the auction.|||David Noakes|||Upgrader|||Heathcotes|||NSW
From my first initial enquiry, Steve and I have felt like we were in good hands and everything has been explained in "English". For first home owners this was important as it was all very new for us. Josephine has been a pleasure and really helped calm the nerves, an exceptional employee to have :) You've been great too Ben!!|||Steven Gray & Aimee Jones|||First Home Buyer|||Heathcote|||NSW
Michele acted promptly and we achieved our desired outcome. Josephine was very helpful post loan approval and supportive.|||Sheryl Frewin|||Upgrader|||Gymea Bay|||NSW
Fantastic, it was a lot less stressful not having to deal with the banks ourselves. As first home buyers, everything was explained in a simple, easy to understand way.|||Elise Maree Dubber|||First Home Buyer|||Engadine|||NSW
This is the third time i have used your services. I would not go elsewhere.|||Deborah Fowler|||Upgrader|||Caringbah|||NSW
t was a pleasure dealing with Michele, Josephine and Melissa throughout the whole financing process. The team conducted all dealings promptly and efficiently and their professionalism left us feeling confident that everything was in good hands.|||Vikki Hird & Mark Heath|||Property Investor|||Newtown|||NSW
How will today's rate cut help you?
Save more by revving up your loan repayment strategy
Published: 3rd May, 2012
Provided lenders pass on all or most of today's Reserve Bank cash rate cut, astute home loan holders who maximise this opportunity could save thousands of dollars in interest and shave months, or even years off their loan term, according to Australia's largest independently-operated mortgage broker, Mortgage Choice.
Company spokesperson Belinda Williamson said, "We hope today's move by the Reserve Bank to lower the cash rate by half of a percentage point to 3.75% does not become a non-event for variable rate borrowers. A decision by lenders to pull the rate lever will likely have a much needed, positive impact on property buyers' plans and borrowers' ability to repay their home loan quicker."
"It is no secret that some lenders have shown a reluctance to pass on the full rate cut in a bid to safeguard their businesses against future funding costs. However, we are hopeful that in an effort to reignite the property market, entice new customers and in the spirit of competition, lenders will lower their home loan interest rates.
"Even if lenders, regrettably, pass on only part of the cash rate cut, astute borrowers who rev up their loan repayment strategy by keeping repayments at the pre rate cut level could save thousands of dollars in loan interest and shave months, or years off their home loan term."
If a lender passes on the full 0.50% rate cut announced today, for someone with a $300,000 loan at 7.25% over 25 years, it would lower monthly loan repayments by around $96.
"If a borrower continued to repay their loan at the pre cash rate cut level, leaving the monthly savings of $96 in each repayment, it could save them $68,364 in total interest payable and may see them repay the loan two years and eight months earlier," said Ms Williamson.
"If lenders choose not to pass on all, or most of the cash rate cut, borrowers should see it as a signal to shop around for a more competitive deal. Of course, they should not move from one lender and/or loan product to another without carefully weighing up the cost versus benefit of doing so.
"Health checking a home loan with a mortgage broker is a great way to ensure you are getting the deal suited to your needs and financial circumstances."
To see the impact extra repayments can make to your home loan, visit Mortgage Choice's Extra Repayments Calculator:http://www.mortgagechoice.com.au/extra-repayments-calculator.