Graeme Andrew
Mob: 0413 123 736
Graeme Andrew - Local Mortgage Broker in Ringwood, Maroondah, Eastern Suburbs
As your Local home loan expert in Ringwood specialising in the following home loans, I look forward to helping you get into your dream home sooner!
- First Home Buyer loans
- Construction loans
- Refinancing for renovations
- Debt Consolidation
- Investment loans
- Bridging loans
- Deposit bonds
- Reverse mortgages
- Mortgages for the self-employed
I purchased a Mortgage Choice franchise in 1997, after spending 22 years working for a major lender gaining a wealth of knowledge and experience in the finance industry. I worked as a personal and commercial lending manager for over 12 years with this previous employer which provided a strong background of experience to my business.
I have lived in the Eastern Suburbs for over 20 years and am a strong believer in supporting local community business. I proudly sponsor local junior football clubs, little athletics clubs and local schools with the Mortgage Choice brand.
After spending the first four years working out of my office from home, I moved into a new office location at Level 1, 164 Maroondah Highway in Ringwood. The new business location now allows us to be more pro-active with our marketing and advertising as well as ensuring that we continue to provide the best service to our new and existing clients.
In 2006, I was awarded Salesperson of the Year at the Australian Mortgage Awards and Mortgage Choice National Single Operator of the Year in 2005.
Purchasing a property could be the single biggest decision that you make in a lifetime. With this in mind, for a loan that suits your needs and your budget, let us help you make the right move.
Some questions to be answered are: - How much can I borrow? - How much deposit do I require? - Principal and Interest or Interest Only? - Basic home loan or a full 100% offset home loan? - Do lenders have problems with self-employed people? - Investment Loans = Negative Gearing?
There are so many lenders with so many products and promises. What is the home loan that is suitable for you? We provide professional home loan advice that could save you thousands. Let me take the confusion out of this thought process by working closely with you to help you walk through the maze. With a large panel of lenders and hundreds of home loan products, we can help you find a home loan which suits your needs. I take my clients through the difficult task of completing the loan application, submitting the deal and negotiating with the lender to provide a fully comprehensive service.
Mortgage Choice does not charge you for this service. I am paid by the lender at settlement of the loan, and I am paid the same commission, regardless of which loan you choose from our panel of lenders*.
Ring me now for no obligation, professional home loan advice!
Office: 03 9876 8455
Mobile: 0413 123 736
CONTACT US TODAY!
*This information refers only to loans provided by our panel of lenders with whom Mortgage Choice have an arrangement, under which it receives commissions and other payments.
Testimonials
C. Curlis - 14/07/10
Thank you for making this process as trouble-free as possible. Highly recommended!
K. Walker - 12/06/10
Professional courteous manner at all times. Every effort was used to find us the right product for our needs. Wish we had used this service when sourcing a mortgage in the past - would have saved a fortune over the years. Thanks for your help.
J. Owen - 16/06/10
Excellent service. Graeme Andrew was a pleasure to deal with. Nothing was a problem for him to do.
T. Murray - 22/06/10
Never been so happy. You took all of the stress out of re-mortgaging my home.
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.