Bob Jones
Mob: 0425 712 191
Home Loans, Refinance, Construction Loans and Commercial Loans.
Yes, you have come to the right place.
My name is Bob Jones and as your local Mortgage Choice broker servicing Melbourne's inner eastern suburbs of Glen Iris, Camberwell, Canterbury, Surrey Hills, Mont Albert, and both Balwyn and North Balwyn, I look forward to helping you achieve your dream of buying or building your first home or investment property. If you're already in your home, as your local mortgage broker, I can also assist you with obtaining a loan for renovation or refinance for easier repayments.
I have now had the privilege of helping hundreds of clients over the 9 years as a broker with Mortgage Choice. 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.
As a business operator and franchisee owner, I am able to assess and evaluate the most appropriate loan for your needs and circumstances. I do all the follow-up and general running around, which of course, saves you time, energy and stress - leaving you to enjoy this exciting time in your life. I am fully mobile and my office is your home, your office or wherever you choose and at a time that is most suited to you.
Over my extremely happy 44 years married to my wife Anne, we have bought and lived in 13 houses and invested in another 8. So you could say I have a little experience in the industry from both sides.
I am often called to do some public speaking and I usually introduce my self as "Father Christmas". You see I make dreams come true and never charge for my service.
I enjoy having my own business and being able to share in the joys of property ownership with many people.
I am an active member of our industry body, MFAA, and I undertake regular training to keep up-to-date on the myriad of loan products changes, and new loan types available.
Contact me today on 03 9888 6201 or mobile 0425712191.
Testimonials
Ross said. "Bob has now saved my business twice by consolidating my debts and being there when I needed a helping hand"
Shaun said. "When I first went to Bob for a loan he told me I should not buy a property as he did't think I was ready. We set out a practical savings plan for me and my girlfriend and 18 months later we bought our dream home with a loan that we can afford. I am so gratefull for the help Bob gave us"
Mark & Felicity said. "We first used Bob's services in 2005. In the beginning we thought perhaps we had picked the wrong broker because we had such little involvement in the process. We provided the deposit, the documents to support the application and we found the property. All the rest, including the FHOG application seemed to just happen, smoothly and quietly. Now, 3 loan later, we know that that's just Bob"
Sam said. "I have to admit when I started the house buying bit I was terrified. I didn't have a clue what I was doing and thought for sure I would lose my shirt. One day Bob said to me, Sam are you trying to do my job? Your job is to relax and my job is to worry. I never worried after that, but Bob kept me informed all the way to settlement.
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.