David Reynolds
Mob: 0416 283 330
Mortgage Choice in Labrador your professional home loan, personal loan and leasing finance Consultants.
Mortgage Choice in Labrador comes to you with over a decade of experience within the Mortgage Broking Industry.
Our clients are given professional home loan advice and extensive knowledge on home, commercial & personal loans.
Our Loans Processing Team keep you informed throughout the entire loan process. We work with you to ensure the lender has all of the documentation required to process your loan as quickly and as smoothly as possible.
Our service as your Mortgage Choice Broker continues even after your loan has settled. In the future should you wish to increase your property portfolio, refinance or review your loan options, please contact us to arrange an appointment.
After Hours appointments are available.
Ask us for a complimentary Rp Data Report when you make your appointment.
Mortgage Choice is Australia's leading Mortgage Broker
Testimonials
We are writing to thank Mortgage Choice for their fantastic Service. We personally dealt with John Barr & Janet Murdock during the whole process of purchasing our first property. They were a great help (Janet kept us constantly up to date with the progress of the settlement & John answered ALL or our questions!) & we will be recommending Mortgage Choice to our friends who are currently looking for a Mortgage Broker. We also attended the First Homebuyer's Seminar that Mortgage Choice in Labrador put on at Southport. We found the seminar to be very imformative & took away alot of valuable information. It was a pleasure to deal with such professional & caring people. Thank you again for providing such a great service.
Yours Sincerely,
Susan & Timothy
John Barr was Friendly, Helpful & Professional as always.
Benjamin & Lisa Homebuyer, Pacific Pines
"It was a pleasure doing business with John Barr & Janet Murdock" Ross & June , Investor
Frankston South, VIC
"Rebecca is an asset to Mortgage Choice. Very professional & followed queries up ASAP. Thankyou very much !!!"
Rachel MacLeod
Home Buyer, Mt Tambourine
"This is the third time we have used Mortgage Choice in Labrador. Each time our experience has been exceedingly positive. Marg & Dave greet us like friends each time. Why would we go anywhere else or attempt the tricky process of finding the right loan for us on our own?!"
Brett & Chandra
Home Buyer, Biggera Waters
Mortgage Choice have been so helpful with helping us purchase our first house. I thought this would be a daunting experience but Mortgage Choice have helped us through the whole process and go beyond their expectations! Thank you ... you do a lot more than your job description.
Josh & Krystle First Home Buyer, Beaudesert
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.