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

Des Turville
Mob: 0407 008 704

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

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 23 lenders with whom Mortgage Choice has an arrangement, under which it receives commissions and other payments.

Testimonials

For the uninitiated, the world of property ownership can be somewhat daunting. In between analysing the market, choosing a potential location and determining the type and size of property which meets your needs and budget â€“ it can seriously test your patience and resolve. But when it came down to arranging finance, the best thing I did was to make an appointment with Des. He was comprehensive and transparent in explaining my options and associated costs, allowing me to make a well-informed decision. Desâ€™ professionalism and commitment to personalised service was truly impressive, maintaining open lines of communication and a genuine interest in the whole process. I have recommended Desâ€™ services to several of my friends and work colleagues, who have realised a similarly pleasant experience in their dealings with him, and will continue to utilise Des for all my future loan requirements. Matthew Jozefczyk. Sunnybank Hills, Brisbane. As a first home buyer, I initially found the whole process quite overwhelming and needed someone knowledgeable when it came to getting a mortgage.Des was endlessly patient with my many questions and went out of his way to explain in depth the multitude of options available to me. He was at all times approachable and nothing was too much trouble. I found Des' professionalism and guidance invaluable and would recommend him to anyone seeking a mortgage. Alana Mitchell.

Des Turville recently assisted us in obtaining a home loan which met our personal requirements. We really valued his professional, helpful and reliable approach. He provided us with detailed information about our options and also assisted us with understanding our potential commitments. He kept us informed at all times about the progress of our application and took prompt action in obtaining additional information when requested. We highly recommend him as a mortgege broker and hope to use his services in the future. Bob and Mary Mather. Margate, brisbane.

Dear Des, we want to thank you for the fantastic service we received from you in arranging our home loan. In a world of computerised phone answering systems and bad call centres, it was wonderful to experience such personal attention and outstanding communication. We really can't express how great you were. We will recommend you to anyone looking for a home loan. Best Regards, Sarah and Mike Goulding. North Brisbane.

Mortgage tips to help borrowers own their property sooner

While interest rates and living costs are rising, the possibility of borrowers improving their mortgage situation via a few key steps is an opportunity not to be overlooked.

To help borrowers take a few steps closer to being mortgage-free, Mortgage Choice suggests going over the following checklist:

Step 1: Is your current mortgage still the most suitable for you?

Circumstances change, as do your needs. Consider how competitive your lender’s interest rate is, what features you are paying for and aren’t using, the fees you’re forking out for and what kind of costs are associated with switching loans and/or lender. A reputable mortgage broker can offer a no-cost home loan health check to compare your loan to others currently available.

Step 2: Are there ways to pay off your mortgage quicker?

Have you been throwing money into the home loan account wherever possible e.g. your yearly tax return or bonus or leftover monthly wage? Every cent counts. Is it possible for you to repay at a faster rate via other methods e.g. paying fortnightly instead of monthly or making the loan a partial offset?

Step 3: Are you interest rate savvy?

Have you been repaying your mortgage as though its interest rate was at least two percentage points higher, preparing yourself for rate rises and in the meantime reducing your loan term and the amount owed? This will encourage a good savings habit and make adjusting to rate rises less burdensome.

Step 4: Is refinancing an option?

If you are struggling with your repayments, consider refinancing the home loan over a longer term than you have left. Or, if you’ve been making extra repayments to reduce your home loan amount, you could always refinance the home loan so your repayments reflect what you owe on the loan, not the original home loan amount.

Step 5: Have you looked at your spending habits?

Are you spending more money than you need to e.g. transport, entertainment, fast food? Continually list your expenses to see where you can save money and contribute more into your mortgage. Once you have revisited all of the above steps, re-do your budget so you really are beginning the year ahead.

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