Flynn Sullivan
Mob: 0400 201 848
Your Mortgage Choice Broker in CBD/Prospect
Obtaining advice on Home Loans and Investment Loans has never been easier. Flynn can visit you at your home or workplace at a time that is convenient for you.
Why Choose us?
Mortgage Choice Business Excellence Award Winner 2009
Mortgage Choice Business Excellence Award Nominee 2008
Mortgage Choice Business Excellence Award Winner 2007
Mortgage Choice has established itself as Australia's leading Mortgage Broker. We have access to a large panel of Australia's leading bank and non-bank lenders which allows us to analyse hundreds of products to help you choose the home loan that best meets your needs.
Testimonials
Flynn - very friendly, very professional and very helpful, made the process 'enjoyable' and I would recommend you to my U.K. colleagues arriving in the future (if they need it).
David B - Hallett Cove, SA
Excellent service again. Being new to the country Flynn made the process easy and handled any problem that arose.
Lee C - Wynn Vale, SA
I have been extremely happy with Flynn's service and will continue to use him in the future and recommend him to others. I have complete faith in his knowledge and skills in the finance area.
Teresa M - Ridleyton, SA
This is the third time I have used the services of Mr Sullivan. I have recommended his services to others and will use his services again. He would be an asset to anyone wanting to purchase.
Robert M - Golden Grove, SA
How to choose a home loan
Here are 5 essential tips that you should consider when choosing a home loan:
1. Interest rates
Interest rate is obviously important, but remember that you are not simply looking for the home loan with the lowest interest rate because there are many other considerations.
For example, the mortgage lender with the ‘best’ interest rate may have high ongoing fees and therefore your home loan may cost you more in the long term than a similar one with a higher interest rate.
Be sure to consider ‘break and switch’ costs as well because if you decide to pay out your home loan or refinance before time will you be charged exorbitant fees to do so.
Also, be wary of an introductory rate. It may be ‘cheap’ at the start but it may also revert to a much higher rate after once the introductory term has finished. You should try to negotiate an interest rate discount with your mortgage lender over the longer term.
2. Features and flexibility
What are the home loan features that you need? Home loans with the ‘best’ interest rate may not have all the features you need or be as flexible as you need it to be. For example, do you want the ability to pay extra so you can prepare yourself for future rate rises and also create a buffer if your financial circumstances change?
You also need to consider the accessibility of your mortgage lender in terms of ATM, internet, face-to-face contact, etc. Decide what you need and ask whether your chosen home loan lender has the features available.
3. Consider the current home loan approval times
Is your home loan approval time critical? If so, the lender with the ‘best’ home loan may not be able to get your loan approved in time. During peak processing periods, lender service times can vary between 2 to 20 working days.
4. Compare home loan products
Visit a reputable mortgage broker with more than 20 lenders on their panel. This way, you can research and compare a broad range of home loans and lenders all within the one visit.