Carolyn Sutherland
Mob: 0433 838 451
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
Testimonials
"As always thank you for your expert advice and support - I knew we could count on you. I would recommend you to anyone!"
Karen Mitchell Aug '10
"It has been an absolute pleasure buying my first home with Carolyn. Even before I was in a situation to purchase, Carolyn was so helpful in answering my questions. Letting me know how the market was going and what I needed to be doing to prepare myself. Being a first home buyer I was so nervous and knew nothing about how the whole process worked but they both took the time and made the effort to ensure that I was comfortable with the steps being take and explained it all so I could easily understand. The outcome has been fantastic for me having purchased my first home knowing that I got the best home loan available and the best service. I will definitely be back and would highly recommend them to anyone.."
Thanks Tash
Mar'10
"It has been a pleasure dealing with you and look forward to dealing with you again very soon. I tried another Mortgage Broker last year and comparing the service with them to you, you leave them for dead, thanks.."
Robynne
Feb '08
"Carolyn, Thanks to you both for your assistance in helping me purchase my first home. As you know, the decision to purchase this home was not one I planned in advance, but when the opportunity arose to buy at below market price, it was too good to miss. Your ability to get the ball rolling instantly and your straight forward, no 'fluff and bubbles' guidance on the right loan and option to choose was greatly appreciated and vital to the deal.
Being a first home buyer - it was all very overwhelming, and I was extremely confused, but you made the loan choice, loan application and first home buyers grant claim process very easy. I will be definitely coming back in 12 months to see you to buy my investment property.."
Troy Deller
Jan '09
"How could we go wrong with Nicole working on finding our dream home, negotiating the deal and sorting out the sellers agent for us; Del at Burns Law arranging our conveyancing and Carolyn for getting our loan approved. "We were in before we knew it and basically did nothing other than pack and move. "No worries and no stress! Very, Very Happy." Robyn and Terry Griffin, July '10
"Legend. Thanks for all your assistance through the Home Loan process and refinancing our home loan I will definitely recommend you to my friends and colleagues."
Regards
Jared Bridge Sep '09
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.