Don Fleming
Mob: 0413 995 411

Station Quickstop, Robina Station Road
ROBINA QLD 4226
Tel: 07 5562 0748
Fax: 07 5562 1451

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Mortgage Choice at Robina - Your Home Loan Mortgage Broker on the Gold Coast

This very successful Mortgage Choice Franchise is one of the longest serving on the Gold Coast and was purchased by Don and Ann Fleming in December 2008.

  • 20+ years Home Loan experience really does help. Listening to your needs and then researching the Mortgage Market to find out how many Lenders can help, followed by recommending the right Loan Product to really suit your needs is invaluable.
  • You will appreciate a Mortgage Broker who wants to look after your families Finance Needs for many years to come. The aim is to become financially independent so that by the time you retire, you have your families Wealth under control.
  • Education on how to become wealthy during your working life is really important. Have you ever heard anyone ever say 'Gee I wish I started buying property when I was your age, imagine what I would have now.' All you can do is act now and having a knowledgeable partner at your fingertips who knows the Local Property Market is a great advantage to you. We at Mortgage Choice Robina have full access to RP Data and can provide a complete history to you Free of Charge on any property you are interested in buying. Imagine knowing what they paid for the place and when, this information could save you thousands of dollars off your next Property Purchase.
  • We take the hassle out of the Home Loan Process by keeping you up to date through every step of your new Home Loan. There is nothing worse than wondering if you are going to get your Home Loan or where the documents are, so we at Mortgage Choice Robina make sure that you know exactly where your loan is up to, so you can get on with your day.
  • We GUARANTEE to return your phone call within 4 working hours. Nobody likes not having their phone calls returned, so we offer you a GUARANTEE that if we don't return your phone call with 4 working hours, we will refund 50% of your Loan Establishment Fee at Settlement.
  • Our experienced Team at Mortgage Choice Robina will go the extra mile, just like the old Bank Manager used to do, where you could just make a phone call and know your issue was being looked after, that is the old fashioned Customer Care that we provide for your Home Loan at Robina. Even the smallest thing, if you have any issues with any part of your Banking, we will ensure it is sorted out for you.
  • Our panel of more than 25 Lenders are not all the same, they have different interest rates, different products, different fees and they have vastly different ways of calculating how much money they would lend to you. So having a large panel of Home Loan Lenders is great, as not every lender is the right one for you.
  • We are asked regularly to help someone out who has been let down by a Bank or another Mortgage Broker and it never ceases to amaze us how many bad stories we hear. That is why we at Mortgage Choice Robina really listen to you, to what you want and make sure you are really impressed with our service.

How will today's rate cut help you? 

Save more by revving up your loan repayment strategy
 

Published: 3rd May, 2012

Provided lenders pass on all or most of today's Reserve Bank cash rate cut, astute home loan holders who maximise this opportunity could save thousands of dollars in interest and shave months, or even years off their loan term, according to Australia's largest independently-operated mortgage broker, Mortgage Choice.

Company spokesperson Belinda Williamson said, "We hope today's move by the Reserve Bank to lower the cash rate by half of a percentage point to 3.75% does not become a non-event for variable rate borrowers. A decision by lenders to pull the rate lever will likely have a much needed, positive impact on property buyers' plans and borrowers' ability to repay their home loan quicker."

"It is no secret that some lenders have shown a reluctance to pass on the full rate cut in a bid to safeguard their businesses against future funding costs. However, we are hopeful that in an effort to reignite the property market, entice new customers and in the spirit of competition, lenders will lower their home loan interest rates.

"Even if lenders, regrettably, pass on only part of the cash rate cut, astute borrowers who rev up their loan repayment strategy by keeping repayments at the pre rate cut level could save thousands of dollars in loan interest and shave months, or years off their home loan term."

If a lender passes on the full 0.50% rate cut announced today, for someone with a $300,000 loan at 7.25% over 25 years, it would lower monthly loan repayments by around $96. 

"If a borrower continued to repay their loan at the pre cash rate cut level, leaving the monthly savings of $96 in each repayment, it could save them $68,364 in total interest payable and may see them repay the loan two years and eight months earlier," said Ms Williamson. 

"If lenders choose not to pass on all, or most of the cash rate cut, borrowers should see it as a signal to shop around for a more competitive deal. Of course, they should not move from one lender and/or loan product to another without carefully weighing up the cost versus benefit of doing so. 

"Health checking a home loan with a mortgage broker is a great way to ensure you are getting the deal suited to your needs and financial circumstances."

To see the impact extra repayments can make to your home loan, visit Mortgage Choice's Extra Repayments Calculator:http://www.mortgagechoice.com.au/extra-repayments-calculator.

Expert service, prompt and reliable. Very informatrive, helpful and friendly, offerred plenty of suggestions and support.
Service was exceptional, was a pleasure dealing with Mortgage Choice Robina. Thanks Don.

Greg & Lisa Hartnett
Upgrader
Gold Coast, QLD

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