Dennis Mussig
Mob: 0410 060 326
YOUR Mortgage Brokers in Rockhampton and Gladstone
Searching for your home loan can be daunting but Dennis is here to help you through the process.
We are specialists in the mortgage field and service Rockhampton, Gladstone, Yeppoon, Biloela and Blackwater.
Whether you are a First Home Owner, Investor or had a property before, we can help you choose a lender and loan to suit your needs.
But we don't stop there. We can also assist you in:
Refinancing
Debt Consolidation
Construction Loans
Low Doc / No Doc
In these times of uncertainty in the market, it is imperative that you choose your home loan provider wisely and Dennis will assist you with this.
So in Rockhampton and Yeppoon, Gladstone and surrounding areas call Dennis on 07 4927 4838 or 0410 060 326.
WHAT CAN WE DO FOR YOU?
As always we are here to discuss your home loan needs and would welcome the opportunity to discuss what Mortgage Choice could offer you.
We are all about ensuring that you get the loan that suits your situation and needs. We will empower you with the knowledge of the home loan process and products which you can then effectively use in your decision making process.
Most importantly our service does not end at settlement! If you choose, we will be in contact on an on-going basis keeping you informed as to what is happening within the home loan lending and products. It may also involve being invited to exclusive events that we hold.
WHY DO WE DO IT?
We are passionate about working with our customers to secure a sound financial future through home ownership and the effective use of the available equity in that property for future investment opportunities or completing renovation projects.
We understand that whether you are a First Home Buyer, Investor or looking to Refinance, the whole process can be a bit daunting. We are here for you every step of the way and would love to have the opportunity to meet with you and discuss your needs.
Testimonials
“Your service to us was of a standard that we would confidently recommend your business. We found yourself and your team extremely helpful. It assured us that if we were unsure of information supplied, you were only too happy to help validate it for us.â€
S&L H 6/6/08
“In buying my first home, I was relieved I had someone on my side helping make sense of it all. It made all the paperwork more understandable.â€
KD 12/6/08
“A very efficient service provided in selection of a loan product, then with all administration and associated work, right through to settlement.â€
RW 10/6/08
“Kaddie Mussig was great - is great. We would recommend her to any and everyone.â€
D&F K 3/9/08
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.