Caroline Jean-Baptiste
Mob: 0425 800 887
Your Mortgage Choice broker in Inner North Brisbane
Servicing all Brisbane suburbs including Brisbane, New Farm, The Gap, Fortitude Valley, Newmarket, Ashgrove, Red Hill, Newstead, Milton
Finalist - Single Operator of the Year 2009
Winner National Single Operator of the Year 2007
Winner Queensland Single Operator of the Year 2007
FREE FIRST TIME INVESTORS SEMINARS AND REFINANCE SEMINARS
Come and join Caroline at 266 George Street (Suncorp) level 28 on the listed dates below.
Investors Seminar: 8th September 2010 at 5.15pm
Refinance Seminar: 22nd September 2010 at 5.15pm
Investors Seminar: 6th October 2010 at 5.15pm
Refinance Seminar: 20th October 2010 at 5.15pm
The Seminars will run for approximately 1hr and 15 minutes.
Learn about how to access equity from your property
Please register interest either by email caroline.jean-baptiste@mortgagechoice.com.au or call 3366 8604.
Call to make an appointment with an award winning mortgage broker.
WHY DEAL WITH US?
Caroline and her team excel at highly effective and personalised service which means:
- You'll receive dedicated support and personal attention from the principals and staff.
- Caroline will help you find the most suitable loan and a better deal. - Genuinely taking the time to listen to your needs.
- A more friendly and stress-free experience.
- A local helping locals.
LET US ASSIST YOU TO:
- Pay off your mortgage years sooner.
- Consolidate your mortgage, credit cards and personal loans into one low rate.
- Purchase an investment property or fund other investments.
- Purchase your first home - Caroline can assist you with the First Home Owner Grant.
- Restructure your current mortgage to ensure that it is helping you to achieve your goals.
- Refinance your existing home loan
As a Mortgage Choice Broker we are paid by the lender and we don't offer our own home loans.
Testimonials
I would highly recommend Mortgage Choice to any of my friends, family or work colleagues. In particular, Caroline was friendly, knowledgable and provided an extremely high quality of service to make buying my first home an enjoyable and stress free event. Ian, Brisbane
Caroline and Shannon have been great to work with, very professional and willing to go the extra mile. Lisette and Karl, Upper Coomera
I would rate all 10 out of 10. This has been a very simple process for me & I really appreciate all of the support and assistance that Caroline and Shannon have provided me.
Brett, Wilston
Caroline and Shannon provided excellent informative service, great followup and assistance through all phases of the property buying process. I would happily recommend their services to anyone looking to buy property or refinance. Carsten, Bowen Hills
I would highly recommend Mortgage Choice to anyone, the service was exceptional and the range of products gave me a great choice for my refinancing. Caroline and Shannon were thorough, caring and on the side of the customer throughout the process. It was a excellent customer service experience. Samantha, Windsor
Brett and Jade Davis, Brisbane: We could not even consider buying property without enlisting the help of Caroline and Louise at Mortgage Choice. We have purchased several properties now with help from Mortgage Choice and we would not have it any other way. Caroline comes over to your place and thoroughly explains a wide array loan options available, enabling you to determine the best options quickly. Caroline and Louise keep you informed every step of the way, going above and beyond the call of duty to ensure what can be a very stressful process is hassle free. We could not imagine having to organise interviews with the bank and all of the documentation ourselves! We credit Caroline and Louise for helping us build our future. They are professional and friendly and we recommend them to all property purchasers.
I really appreciated the step-by-step explanations and updates through out
the whole process that Mortgage Choice provided as this was my first
property and I was nervous and unexposed to the detailed process required
when purchasing a property. I particularly appreciated the assistance of
both the Consultant (Caroline Jean-Baptiste) and Processing Consultant
(Louise Petherick) who assisted me through the process and their friendly,
professional service made a stressful process more manageable. Kylie B, Brisbane
You have done an awesome job once again. Thanks for making this happen. Caroline – your positive attitude is what we appreciate the most.
Keep up the good work - it is faultless. Extremely accomodating and a seamless experience. G Devlin, Bellbowrie QLD
Thanks Caroline and thanks for all your patience and wonderful help.
You have made this a very easy process for us. We will have no hesitation to recommend your services in the future to people we know. With heart filled thanks - Tracey and Daniel
“Caroline was great to deal with, particularly assisting us to find a flexible loan to work with our complex circumstances. Everything went well and we were kept up to date all along the way. I can recommend Caroline’s office and Mortgage choice to anyone wanting an easy and informed process†- Christopher B (Ashgrove)
As usual, Caroline & her team make what would normally be a stressful, confusing thing; a far less traumatic one! Knowing I don’t have to worry about anything makes my life much easier every time...wouldn’t trust anyone else with my financial needs...
E Meyer, Buccan
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.