Carolyn Sutherland
Mob: 0433 838 451

Shop 24a, Centro Shopping Centre
Fitzgerald Ave
SPRINGWOOD QLD 4127
Tel: 07 3299 1717
Fax: 07 3299 5702

Refinance and Save. I can make it easy

You've found the right person to assist with your home loan needs. Why try to refinance yourself? Get an expert, ME. Don't waste your time by spending hours on the net. Contact me and get my 20+ years lending experience and with my 20+ lenders, we will find a new home for your loan. Whether you want to consolidate existing loans to put $$$ back in your pocket now or reduce loan term and interest, I can get this done for you. Let me make it easy for you, I do this for people everyday and have just helped one client, consolidate 4 credit cards and reduced his home loan repayments by hundreds per month.

I can write loans with over 20 Lenders (including all the major banks)

Refinance Options - Is it worth the exit penalty?
Loan restructuring can benefit you without leaving your current lender
Fixed vs Variable - Lets discuss your situation
I will save U time and money - my service is at no cost to you
FREE regular Novice Investor Seminars
FREE First Home Buyer Seminars
Passionate about service

I have a genuine desire to help YOU. I will formulate a plan and keep your dream alive until achieved if you do not qualify now.

I am the only person you need to talk to about your home loan needs and to find out if you qualify to borrow the amount you need. To view my service promise click on the Our Team link or email me for a copy.

My office is at Centro in Springwood and after hours appointments are available on request. Call me on 32991717 or email: carolyn.sutherland@mortgagechoice.com.au.

I can't help you if you don't call.

Carolyn Sutherland
Owner / Manager

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.

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