David Stock
Mob: 0421 673 554
Your Mortgage Broker servicing Brisbane North
You'll be glad you chose David Stock as your Mortgage Broker in Brisbane North
I service the following suburbs: Nundah, Toombul, Wavell Heights, Northgate, Banyo, Nudgee, Virginia, Chermside, Aspley, Boondall, Carseldine, Geebung, Zillmere, Albany Creek, Bridgeman Downs, Bald Hills, Eatons Hill, Bray Park, Brendale, Cashmere, Strathpine, Warner, Joyner, Clear Mountain, Lawnton, Petrie, Samford, Dayboro and surrounding areas.
Building a strong and lasting relationship with clients is the key to my success.
I have helped many people achieve their dreams and goals of home ownership.
I have lived in North Brisbane my entire life, so I know the area and lifestyle. My family and I continue to enjoy what the locality has to offer.
I love my football, I am proud to be a sponsor of The Northern Raiders, a local football team.
I have a background in business, and hold a Bachelor of Business through USQ. Also I am certified with the Institute of Financial Services, and a member of the MFAA.
SERVICE COMMITMENT
This is my commitment to you, my valued customer.
1. I will be conscientious with all my dealings with you, the customer.
2. I will be on time for all meetings.
3. I will return your call within 2 hours if I have missed your call.
4. I will work to the best of my abilities at all times to help you achieve your goals.
5. I will be professional at all times.
6. I will safeguard all your personal information.
7. I will submit a high quality application on your behalf.
8. My processing team will give you regular feedback, as to the progress of your loan application.
9. I will follow up any request for information you have made from me or a lender in a timely manner.
10. I will endeavor to resolve any concerns you have as soon as possible.
At Mortgage Choice I want to help you navigate through the mortgage market. My reward is finding you a suitable home loan.
I am passionate about helping you choose the most suitable home loan for your needs! Whether those needs are to own your own home, refinance, buy that investment property, or to unlock the equity in your home, Give me a call, I can help.
My commitment to you does not stop at just getting you a home loan. I will be with you each step of the process, from approval to settlement, the whole life of the loan and beyond!
How do I find the most suitable Loan for you?
Mortgage Choice is Australia's leading mortgage broker, with a proven system that enables me to help find you a suitable home loan / mortgage.
My role as a Mortgage Choice Broker is to take all the work and worry out of finding a home loan that suits you.
There is a huge amount of information in the marketplace about home loans, gathering and sorting it all can be a daunting task. I have done this for you!
I will compare all the information to your requirements, and using our software systems, find a suitable loan product for your needs. The comparison takes into account your life plans and goals and any loan features you are seeking, such as a competitive interest rate, a redraw facility, or internet repayments etc.
The Mortgage Choice Difference
Unlike our competitors, Mortgage Choice is not owned by a major bank, we are Australia's lending mortgage broker. We have access to a huge range of loan products from a wide panel of lenders including the major Banks and Building Societies. When you use Mortgage Choice as your loan specialist, it's like having up to 24 lenders competing for your home loan.
Mortgage Choice don't charge you for our services*so you can be assured we only have your interests in mind.
*This information refers only to loans provided by our panel of up to 24 lenders with whom Mortgage Choice has an arrangement, under which it receives commissions and other payments.
There is a wide range of loan products that I am able to offer covering areas such as:
Re-financing
Investment Loans
First Home Buyers
Personal Loans
Commercial Loans
Professional Packages
Debt Consolidation
Debt Reduction
Equipment Finance / Leasing
General Insurance
Life Insurance
Motor Vehicle Leasing / search
As you can see there are many ways that Mortgage Choice can help you achieve your goals. To better understand how I can help you, please feel free to give me a call or email me at david.stock@mortgagechoice.com.au so that I can get to work on finding the most suitable loan solution for you!
You can also click on the "CONTACT US" button on this web page.
My business is built on referrals, so please tell all your friends, family and associates about my service. I would greatly like to help them achieve their goals as well!
Investment Seminar
I will be holding a Investment seminar on Wednesday the 8th of September at 6.00 pm. The seminar will be held at the office of Aspire SRS Suite 23 / 1344 Gympie Rd Aspley. I would love to see you there! Please contact Mortgage Choice or click on the "Contact Us" button to book in for the seminar.
Mortgage brokers: how to sort the best from the rest
New uniform consumer credit laws governed by ASIC have been introduced to ensure all credit lenders and credit service providers, such as mortgage brokers, engage in responsible lending and transparent customer service.
So, how can potential borrowers decipher the best broker from the rest?
Using the simple checklist when choosing a mortgage broker will help ensure borrowers question important aspects of their service and gain a thorough insight into the value of the broker's offering.
In an increasing competitive mortgage market there is no doubt borrowers achieve the best results - saving time, effort, confusion and, potentially, money - when they shop around for a home loan deal.
Mortgage brokers are a valuable source of information and assistance, which is why a recent Mortgage Choice survey found 41% of new first homeowners said their mortgage broker was their favoured point of contact for mortgage guidance. In fact, approximately 40% of all new home loans in Australia are now sourced by brokers.
It can be daunting to figure out how to find one that suits your needs. Do a little homework so you know what sets one mortgage broker and their business apart from others.
Questions should be asked about their service standards, training, accreditation, range of lenders and products, experience, ethics and commission structure. You should also check if the broker has their own products and, if so, why they put them forward as suitable.
Check out Mortgage Choice's ‘How to choose a mortgage broker?' checklist to help borrowers find a professional mortgage broker.
Tips to take the stress out of your mortgage
There are shortcuts that can help borrowers avoid mortgage stress, reduce their loan term and the interest paid. It's about taking control of their finances by managing their mortgage instead of letting it manage them.
Mortgage Choice recommends these top tips:
Contribute to your change
Paying a little extra every month can have a big impact in the long run. Based on a loan of $300,000 at 7% over 30 years, if you round the monthly repayments of $1,996 up to $2,050, the loan will be repaid approximately one year and eight months earlier, saving you over $25,000 in interest.
Make a dent
Making a lump sum payment (big or small) into a loan can make a substantial difference. If you deposited your tax return of, say, $500 into the above mentioned loan, it would reduce the overall term by one month and the total repayments by just over $2,350. Doing so annually would make a significantly larger dent.
Make the most of loan features Loans with offset accounts enable borrowers to link a savings account with their home loan account and ‘offset' or use that amount to reduce the interest accumulated on their mortgage. For example, if a borrower has $5,000 in an offset account, then on a $300,000 loan (at 7% interest pa) the term would be reduced by around 1 year and the borrower would save over $33,000. It's worth enquiring about but be aware there could be an ongoing cost for keeping the account, such as a monthly fee.
Don't settle for second best
If you went for a premium loan you may be repaying at a higher interest rate for facilities and features you don't need or use. Consider refinancing to a more basic product offering a lower interest rate " your repayments will be lower, and therefore you'll be able to afford to pay your loan off quicker. When refinancing to a new loan and/or lender, be aware you may incur exit fees.
Give your loan a check up If you already have a home loan, look at doing a home loan health check regularly because the mortgage market changes all the time. You might be able to get a better package now.
Keep your eye open for bargains
You might also investigate your eligibility for a ‘professional package' home loan, where you can receive a reduced interest rate, no application or other fees, gold credit cards, and home insurance and other product discounts and benefits.
Testimonials
Dear David,
We found that you were very approachable, and were honest and realistic about the possibility of gaining a home loan. You were knowledgeable in your field, and were available at all times for any questions and concerns that we had.
Chantelle C Zillmere Qld
First Home Buyer
Dear David,
After two banks pre-approved us for our construction loan and then declined our application once we officially applied, we had no idea where to turn. But thanks to you we were able to, with great relief, secure a loan to build our first home. The process was so much simpler than I ever expected and you really took the stress out of our situation. In the space of a week we went from possibly loosing our building contract to having an unconditionally approved mortgage. And I would once again like to thank you for all your hard work. Cheers
Brenton W Kedron Qld
First Home Buyer
Dear David,
We were very happy with the service we received. The fact that you were able to bring all the home loan solutions to our door made things very easy, and your knowledge of the solutions on offer was fantastic. You made refinancing our home a smooth and pain free job. Thanks again.
Anji C Riverhills Qld
Refinancer
Dear David,
When I made the decision to apply for my first home loan I didn't know where to start, but one phone call to Mortgage Choice changed everything. With in a matter of hours David Stock came to my home and put all my fears to rest. The process of applying for a home loan was explained in simple terms, options were given and my questions answered. Within a matter of 2 weeks my home loan application was approved. It was that easy!
I would also like to make a special mention of David Stock's Administration Assistant, Jessica Ericksen. I found Jess to be extremely freiendly, helpful and nothing was ever too much of an effort for her.
I felt as though she went out of her way to answer my questions and put myself at ease. At all times she was very professional and her customer service skills were outstanding. Thank you Jess!
Belinda F Bald Hills Qld
First Home Buyer
Dear David,
After two banks pre-approved us for our construction loan and then declined our application once we officially applied, we had no idea where to turn. But thanks to you we were able to, with great relief, secure a loan to build our first home. The process was so much simpler than I ever expected and you really took the stress out of our situation. In the space of a week we went from possibly loosing our building contract to having an unconditionally approved mortgage. And I would once again like to thank you for all your hard work. Cheers
Brenton W Kedron Qld
First Home Buyer
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.