Brendan Donnelly
Mob: 0413 742 103
Mortgage Choice in Woonona. Your mortgage broker for Wollongong and the Illawarra Region since 1998.
Find out what that property is really worth
Whether you're making a move in the property market or re-financing, you want to make sure the price is right. Are you paying too much? or selling too low? An RP Data Comparative Market Analysis (CMA) report can tell you:
the property's sale history an area profile
recent comparable sales
recent median sales price for the suburb.
Book an appointment with me, your local Mortgage Choice broker and request your FREE property report today .(valued at $89)
Choosing suitable home loans is easier than you think. From comparing lenders and interest rates to completing the paperwork with a minimum of fuss, our practical, professional support means you get more than just a mortgage.
We were named the NSW Multi-Operator Franchise of the Year at the Mortgage Choice 2008 Business Excellence Awards So call the award winning Woonona team and experience the difference.
Providing the best home loans from our panel of lenders since 1998. Servicing Helensburgh, Stanwell Park, Thirroul, Woonona, Corrimal, Fairy Meadow, Balgownie, Wollongong, Lake Heights, Warrawong and everywhere in between.
Testimonials
The service we received from Brendan & the team at Mortgage Choice in Woonona was the best that we have experienced in the industry. Brendan's great communication, passion & vast depth of knowledge made selecting the right finance for our situation easy.
Jeff & Martina de Plater - Hill Top NSW
New Home Purchase
Thanks for keeping us informed, you offer a great service and provide timely, accurate and friendly guidance to an often daunting process, even the second time around. Thanks.
Christian & Mellisa De Clouett - Wombarra NSW
Re-Finance
In what is usually a very stressful event Mortgage Choice took the pressure off and the entire process was smooth and trouble free. I would definitely use their services again.
Susan Simpson - Caringbah NSW
New purchase
We are very grateful for the fantastic and friendly service we received. We appreciate the after hours service you provided for us. You made what we thought was going to be a nightmare a sweet dream.
James & Hayley Ashe - Towradgi NSW
First Home Buyers
You saved us so much time investigating different types of loans on offer. You explained the different options very clearly and we felt very comfortable with you and your advice.
Simon & Naomi Barritt September 2009
Refinance West Wollongong
Thank you so much Brendan and Sue and the team. Without your assistance and dedication we would probably have missed out on our fantastic new home. We couldn't have been happier with the service you provided.
Steven W & Nicole R September 2009
New purchase Bulli
Your service is very professional, communication is excellent. An important factor is that everyone at your office is friendly and makes a client feel valued.
Rob & Anne F. February 2009
First Home Buyers Woonona
Mortgage Choice team made buying our first property a reality in that all relevant information was discussed in a transparent manner with no stone unturned. This provided us with the peace of mind to proceed to becoming home owners.
Sophia K & Taura J First Home Buyers Bulli
Brendan & the team offered a professional and personal service during the search for our home loan. They provided great insight into finding the right loan which can be daunting the first time.
Adam & Penelope De Clouett First Home Buyers Thirroul
Thank you for making what could have been a very stressful time an easy and smooth process. I really appreciated your open and prompt communication with any of my concerns and would have no hesitation in using your wonderful services again.
Jo_Anne Glynn- Woonona NSW
New purchase
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.