Des Turville
Mob: 0407 008 704

Level 3/18 Banfield Street, Commonwealth Centre
CHERMSIDE QLD 4032
Tel: 07 3359 4122
Fax: 07 3359 4533

Your Mortgage Broker in Bray Park, bordered by Nundah, Warner, Aspley and Dayboro.

If you're looking a Mortgage broker to arrange a home loan, and need someone to take the stress and confusion out of the home loan process, call me, Des Turville on 0407 008 704.

I primarily cover the North Brisbane area that includes: Chermside, Carseldine, Nundah, Northgate, Albany Creek, Aspley, Warner and Dayboro. Wavell Heights, Virginia, Nudgee, Bald Hills and Eatons Hill are also included along with suburbs covered by post code 4520.

I am available to meet with you at a time most convenient for you, weekends and evenings included. Just call 0407008704, I will answer. I have over 20 years experience in the customer service and finance industry, the last four of these as a Mortgage broker. I am passionate about helping people find the right loan that suits their property and lending objectives.

As your personal mortgage broker I will take care of everything including:

1) All the paperwork.
I will explain in simple terms the whole process. The only time you will lift a pen is to sign the application and loan documents.

I take the stress out of the home loan process. You get to leave all the hard work to me. After we have identified the mortgage that suits your needs and collected all the supporting documents to complete the application, I will work with the lender, your solicitor and your real estate agent or builder and any other related parties to make the whole process as quick and as painless as possible. You are kept up to date at all times.

2) Travel to see you at a time and place convenient to you.
I am available for appointments during the day and evening at your home or office, weekends included. You nominate the day, time and location and I will arrange my schedule to fit.

3) Give advice that is right for you, not the broker.
I will research lenders for the loan suits your needs and meets your individual requirements. The testimonials on this web site reflect the effort that I put into my clients needs.

Whether you're a first home buyer, property investor, refinancing, renovating, consolidating debt, upgrading or downsizing I can help structure your finances to achieve your goals.

  • No Charge. We are paid by the lender for our service, not by you. There are no hidden charges or additional fees from the lender for using a broker.

    • Your Mortgage Choice broker can now assist you with, personal loans, car and equipment loans, income protection and life insurance cover as well as debt reduction.

Set resolutions to repay your home loan sooner

This year's tips for budgeting, spending and managing your mortgage

 

Becoming a better budgeter, wising up on spending and making the most of any savings can help borrowers master their mortgage and own their home outright sooner, according to Australia's largest independently-operated mortgage broker, Mortgage Choice.

Company spokesperson, Belinda Williamson said, "If your goal is to pay off your home loan sooner, the beginning of the year is a great time to set new financial resolutions."

"Challenge yourself to ramp up your home loan repayments by readjusting your budget and finding ways to make extra contributions to your mortgage.

"Well thought-out saving, spending and loan repayment strategy decisions can help put you months or even years closer to living mortgage free. Keep in mind even small financial changes can have a big impact on how much interest you pay over the life of your loan and the length of your loan term."

Mortgage Choice offers these financial resolutions to help borrowers own their home outright sooner:

Resolution 1. Become best buddies with your budget
If you don't already have a budget, the New Year is the ideal time to start one. Ensure it factors in all your regular spending - home and/or other loans, utility bills, medical expenses, memberships, grocery bills, insurance costs, etc. Don't forget to include funds for socialising treats. Be honest with your budget and refer to it each time you contemplate a new expense.

Resolution 2. Slash your cash limit
Consider ways to cut your daily spend. For instance, a daily caffeine hit at $4 per weekday equates to $80 per month. Did you know by making a coffee an every-second-day spend and contributing $40 extra per month to your mortgage from day one (based on a $300,000 loan over 30 years at 7%) could reduce the total interest owed by around $31,000 and the loan term by almost 2 years?

Resolution 3. Review your home loan with a fine-toothed comb
There could be underutilised loan features costing you money or features worth refinancing for. Get to know your loan's features. Your mortgage broker can help review your current loan and its features and identify any opportunities to shop around for something better suited to your goals.

Resolution 4. When rates fall, keep repaying more
If your home loan's interest rate has recently fallen, consider keeping your repayments at the higher, pre-fall rate. For example, take a home loan of $300,000 at 7% over 30 years. If your rate reduces to 6.5% and you keep repaying your loan as if the interest rate was still 7%, you could shave approximately 4 years off your loan term and save around $60,000 in interest owed.

Resolution 5. Make the move from monthly to fortnightly
Switching your monthly repayment to fortnightly may make a significant difference to your loan term and the interest owed. There are 12 months and 26 fortnights in one calendar year; by paying fortnightly, you make the equivalent of 13 monthly repayments. The savings, based on a $300,000 loan at 7% equates to around $103,000 in interest and about 6 years and 6 months off the loan term.

My wife and I heard positive feedback from friends about Mortgage Choice. By chance, we were referred to Des. We now have our first home and are extremely happy.

After hearing various stories of others applying for home loans I appreciate how easy the process was for us. From our first meeting with Des, in which we felt immediately comfortable and found Des approachable and mostly importantly, relaxed and not pushy, until the day of handover in which Des made a courtesy call to ensure all went smoothly.

As first home buyers we were extremely anxious, as banks seem to take longer than you expect with some parts of the process so you begin to assume the worst, but Des always answered our questions and assured us that all was well and there was no need to worry. There were always alternatives should something not fall into place, however, fortunately everything worked out first time.

My wife and will certainly be calling Des when we look at purchasing an investment property down the track. Highly recommend!

M & K Power
First Home Buyer
Aspley, QLD

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