Tracy Thurmond
Mob: 0429 181 279
David Thurmond
Mob: 0431 486 053
Welcome to Mortgage Choice in Berwick | Mortgage Brokers | Finance | Home Loans | First Home Buyers | Fixed & Variable Rates | Debt Consolidation | Refinance | Property Investment | Auto Finance
Welcome to Mortgage Choice. Whether you are looking to purchase your first home or refinance & consolidate your debts to free up some extra cash, you've come to the right place!
With over 20 years of combined experience we have the industry knowledge to find our clients the very best deals, tailored specifically to meet their needs. Our goal is to have clients for life, so we have set our service standards high to ensure our clients keep coming back. And so far so good!
We're available for house calls as well. Our local area is:
Berwick
Narre Warren
Pakenham
Endeavour Hills
Hallam
Beaconsfield
Officer
Hampton Park
But we'll meet just about anywhere in Metro Melbourne at a location convenient for you.
What We Provide Our Clients
At Mortgage Choice we handle all types of finance, such as:
Residential Purchases
Refinancing
Debt Consolidation
Commercial Finance
Business Finance
Auto Finance
Personal Loans
Equipment Finance
We want to separate ourselves from the rest, so we ensure all our clients receive the same great service. This includes:
Updates to all clients every Monday and Thursday, rain or shine
Access to our Brokers 7 days a week
Appointments available in our office or at your home
Contacts available for Conveyancers, Accountants, Building Inspectors, etc. No Charge for our Service
First Home Buyers
First Home Buyers need a broker with both patience and experience. So we start out by assuring our clients that we will answer all their questions and make them feel well-informed with their decisions. We also make ourselves available on nights and weekends when we are needed most. (It's that time away from work when the questions pop up!) In the end, our clients enjoy a stress-free home loan experience.
Overseas Investors and Expat Australians Abroad
Overseas Investors and Expat Australians will be excited to finally find a "long-distance mortgage" so easy to set up. Using For Overseas Investors we work closely with the Foreign Investment Review Board to make sure your approvals are done in a timely manner. And our extensive contacts with Australia's best lenders ultimately gives you the best deal available to maximize your return on investment. And Expat Australians can now extend their stay overseas! Whether you want two more months in London, a skiing holiday in Canada, or a backpacking holiday through Europe, we will make it easy to borrow against your Australian property to make those overseas adventures a reality.
Auto Finance Made Easy
Make your next car purchase easier than ever by contacting us to arrange your auto finance. Whether it's a personal lease or business lease (Novated Lease or CHP), we can assist.
Approvals can be issued within an hour, and funds are generally available within 24-48 hours.
Need another reason to choose Mortgage Choice?
Our service to you is at no charge! We are paid by the lenders, and get paid the same no matter which lender you choose. So in the end you receive excellent customer service, 20 years industry experience, a choice of over 300 loans products from over 20 lenders, and at all of this at no cost!
David, Tracy and Manjula can be contacted on 03 9769 9333.
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.