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.

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.

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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