Des Turville
Mob: 0407 008 704

Mortgage Choice
Tel: 07 3359 4122
Fax: 07 3359 4533

Your Mortgage broker specialising in Home Loans in Brisbane North and surrounding districts.

Des has over twenty years involvement in customer service and finance and prides himself with an ability to assess each client's home loan needs accurately and with a minimum of stress to those involved in the borrowing process.

Specialising in refinances and investment mortgages as well as first home owner's loans, we can research a multitude of lenders products and tailor a loan that will suit your individual requirements.

* Mortgage Choice enjoys a reputation second to none in the home loan industry, as Australia's Best Mortgage Broker. We do not have our own loan products. As a franchisee of Mortgage Choice, we focus on our customer's needs as our first priority.

Mention the word, Mortgage Broker and various images can be imagined. I am a friendly, outgoing, easy to get along with fellow with a grown up family who has had mortgages in two states. I am passionate about doing the right thing for my customers. I invite you to use my services, remember, there is no cost to you from Mortgage Choice.

  • As your personal loan consultant you can expect me to do all of the leg work that is involved, beginning with assessing your needs and matching those requirements to a suitable lender.

  • I will detail the fees and costs associated with the home loan and the purchase or refinance of your property.

  • Explain the details of your home loan and submit the application to the lending institution you select from our Lender Panel.

  • I will provide a constant line of communication to you and all parties to the loan, including your conveyancer and agent.

  • I am available at all times to answer your queries. Ring my number and I answer the phone. I offer a personal service that we all expect, but very rarely receive.

    My office is located Level 3/18 Banfield Street, Chermside. I am also available to visit you at your home at a time and day that is most convenient for you and your family. Call me on 3359 4122

    Remember, the Mortgage Choice service continues for as long as you need it.

    *This information refers only to loans provided by our panel of up to 22 lenders with whom Mortgage Choice has an arrangement, under which it receives commissions and other payments.

  • 10 steps to finding the most suitable home loan

    If choosing the most suitable property is the ‘biggest’ decision a potential property owner will make, choosing the most suitable lending institution and home loan can also be a daunting process.

    Here are 10 steps that you should follow when looking for a loan:

    1. Supporting documentation

    In the majority of cases, lenders will require evidence of income (normally a letter from your employer), demonstration of a genuine savings pattern and - depending on the type of loan - other documentation to verify particular details of the loan application.

    2. Borrowing capacity

    The amount you can borrow (against your property) will vary between lenders. Visit our calculator to know how much you can borrow.

    3. Additional repayments

    Bulk payments and regular extra contributions will reduce the term of the loan and save you money in reduced interest. Some lenders charge penalties for making additional repayments on top of the minimum required amount, so be aware of this.

    4. Ability to ‘split’ loans

    Structuring your home loan on a split basis enables you to take part of the loan at a fixed interest rate and therefore eliminate some of the risk in a rising interest rate environment.

    5. Redraw facilities

    Ideally, you want a lender that will allow you to redraw any excess payments (as long as you are not in default). The amount of times you can redraw without incurring penalties varies between lenders. 

    6. All-in-one versus offset accounts

    An offset account is one that has your savings account linked to your mortgage in such a way that the interest earned on your savings is applied to reduce the interest on your mortgage. On the other hand if you have well-organised finances, you can maximise your opportunity to reduce the principal, by having your salary paid into your loan account.

    7. Line of credit

    This is an agreed flexible loan arrangement with your lender with a specified maximum. It operates on a similar basis to a credit card but is linked to your housing loan. This facility can be used at your discretion for a variety of purposes.

    8. Switching

    Read the fine print of your contract to find out if you can swap loan products to take advantage of any new deals, and check for costs involved.

    9. Portability

    If you sell before the mortgage is completely paid off, it will be more economical if you can transfer the loan to your new property.

    10. Mortgage insurance

    Lender’s mortgage insurance is there to protect the lender and is not able to be negotiated. General mortgage protection insurance for yourself is not compulsory, and you will have to decide if you feel you need it or not.

    Contact your Mortgage Choice broker to help you to find the home loan that suits your needs.

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