Bob Jones
Mob: 0425 712 191

Mortgage Choice
Tel: 03 9850 6922
Fax: 03 9852 2296

<b>Mortgage Choice in Melbourne’s inner eastern suburbs</b>

Put my experience to work for you.

My name is Bob Jones. I am your local Mortgage Choice broker, servicing the suburbs of Glen Iris, Camberwell, Canterbury, Surrey Hills, Mont Albert, Balwyn and North Balwyn.

I have helped hundreds of clients achieve their property ownership dreams. I look forward to doing the same for you. Whether you are a first or subsequent home buyer, an investor, or looking to refinance, I can help.

2011 marks a significant milestone for me " I have now been taking care of my customers' home loan needs with Mortgage Choice for 10 years! I am delighted to have reached this milestone and I look forward to continuing doing what I do and meeting my next new customer " perhaps that is you!

My clients consistently provide excellent feedback on my service. They know I will go the extra mile on their behalf and successfully secure a home loan that suits their personal financial circumstances.

This is what a recent client had to say:

Dear Bob
I would like to express our deep gratitude for the truly outstanding service you gave us when we were financing our three loans.

As mentioned, I chose you over all Mortgage Choice branches because you seemed so "switched on". . . .I thought you'd go the extra mile . . .I never realized you'd go the extra 100 miles for us!

Your professionalism and tenacity in dealing with every aspect of our loans was unsurpassable.

You kept in regular contact and answered our every query thoroughly and thoughtfully.

If it weren't for your business, our loans would certainly have been a major disaster due to the problems created by one unnamed bank . . .We would never have won our case and received justice alone. . . .However, you did your research meticulously and took on the big banks with total gusto to protect us; your client. . . and what a success you accomplished!!!

We found you so personable, efficient, reliable and as I rightly assumed from the start. . .so very "switched on"

We will not stop singing your praises Bob and will very highly recommend your business to all.

Thanks again.

Kerri & Stephen Weingartner.

Why use a mortgage broker?

Mortgage brokers remove the time, hassle and confusion that often come with finding a home loan.

Our job is to:
1. Understand and analyse your personal home loan requirements 2. Filter through the hundreds of home loan options on the market
3. Find the one(s) that most suit your individual circumstances
4. Work through the entire application process alongside you " right through to settlement 5. Be available long-term to help you reassess your home loan as and when your circumstances change.

Why work with Bob Jones at Mortgage Choice?

Having 10 years as a successful Mortgage Choice broker, my business philosophy remains the same. I help turn dreams into reality by making the most out of my customers' financial situation. Importantly, I find a home loan suited to my customers' needs and lifestyle, all at no cost.

You can be sure that when you enlist my help as your personal mortgage broker, finding a home loan that suits you will be straight forward and stress free. I promise to go the extra mile whenever necessary and always keep your best interests as my top priority.

I focus not on being the ‘biggest' broker in town, but on being the ‘best' - a quality many of my satisfied clients attest to.

I am an active member of our industry body, the Mortgage & Finance Association of Australia (MFAA). I undertake regular training to keep up-to-date with the myriad of loan products available ensuring you get the up-to-date information you need. Over 46 years, my wife and I have bought and sold more than 20 houses and investment properties, so you benefit from the volume of personal experience I bring to my work.

NO COST TO YOU

As a Mortgage Choice client, our service doesn't cost you anything. You get a clean and honest service. Our lender panel pays Mortgage Choice when we write a loan for you, and Mortgage Choice pays me the same amount regardless which of our lenders I use. This means that your interest is my only interest.

Contact Bob Jones: Bob.jones@mortgagechoice.com.au Call me any time on (03) 9850 6922 or mobile 04 2571 2191. Or contact me online using the contact link at the top of this page.

Set resolutions to repay your home loan sooner

This year's tips for budgeting, spending and managing your mortgage

 

Becoming a better budgeter, wising up on spending and making the most of any savings can help borrowers master their mortgage and own their home outright sooner, according to Australia's largest independently-operated mortgage broker, Mortgage Choice.

Company spokesperson, Belinda Williamson said, "If your goal is to pay off your home loan sooner, the beginning of the year is a great time to set new financial resolutions."

"Challenge yourself to ramp up your home loan repayments by readjusting your budget and finding ways to make extra contributions to your mortgage.

"Well thought-out saving, spending and loan repayment strategy decisions can help put you months or even years closer to living mortgage free. Keep in mind even small financial changes can have a big impact on how much interest you pay over the life of your loan and the length of your loan term."

Mortgage Choice offers these financial resolutions to help borrowers own their home outright sooner:

Resolution 1. Become best buddies with your budget
If you don't already have a budget, the New Year is the ideal time to start one. Ensure it factors in all your regular spending - home and/or other loans, utility bills, medical expenses, memberships, grocery bills, insurance costs, etc. Don't forget to include funds for socialising treats. Be honest with your budget and refer to it each time you contemplate a new expense.

Resolution 2. Slash your cash limit
Consider ways to cut your daily spend. For instance, a daily caffeine hit at $4 per weekday equates to $80 per month. Did you know by making a coffee an every-second-day spend and contributing $40 extra per month to your mortgage from day one (based on a $300,000 loan over 30 years at 7%) could reduce the total interest owed by around $31,000 and the loan term by almost 2 years?

Resolution 3. Review your home loan with a fine-toothed comb
There could be underutilised loan features costing you money or features worth refinancing for. Get to know your loan's features. Your mortgage broker can help review your current loan and its features and identify any opportunities to shop around for something better suited to your goals.

Resolution 4. When rates fall, keep repaying more
If your home loan's interest rate has recently fallen, consider keeping your repayments at the higher, pre-fall rate. For example, take a home loan of $300,000 at 7% over 30 years. If your rate reduces to 6.5% and you keep repaying your loan as if the interest rate was still 7%, you could shave approximately 4 years off your loan term and save around $60,000 in interest owed.

Resolution 5. Make the move from monthly to fortnightly
Switching your monthly repayment to fortnightly may make a significant difference to your loan term and the interest owed. There are 12 months and 26 fortnights in one calendar year; by paying fortnightly, you make the equivalent of 13 monthly repayments. The savings, based on a $300,000 loan at 7% equates to around $103,000 in interest and about 6 years and 6 months off the loan term.

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