Graeme Andrew
Mob: 0413 123 736
Graeme Andrew - Local Mortgage Broker in Ringwood, Maroondah, Eastern Suburbs
As your Local homeloan expert in Ringwood specialising in the following homeloans, 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 fanchise 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 proactive 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 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, there's only one choice. Other 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 me? 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 panel of over 27 lenders and hundreds of home loan products, we can help you find a suitable loan. I take my clients through the difficult task of completeing the loan application, submitting the deal and negotiating with the lender to provide a fully comprehensive service and Mortgage Choice does not charge you for this service. I am paid by the lender at settlement of the loan, and I get paid the same commission, no matter 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 over 27 lenders with whom Mortgage Choice has an arrangement, under which it recieves commissions and other payments.
Testimonials
Craig and Rochelle Simmonds 21/8/07
Again we found Graeme very helpful and knowledgable in relation to a new loan - and without even asking he managed to save us money on our original loan! Thanks again!
Natalie Allen 17/7/07
I knew nothing about home loans and i appreciated being walked through it step by step
Lynne Ruthven 12/7/07
As always, you have delivered and with no hiccups. You are always patient even when i am confused and I leave everything until the last minute. You are the tops!!!
George Field 1/5/07
You are friendly without being over-bearing. Your integrity was one thing that caused us to repeat business with you.
Leigh Neville 22/2/07
You were fantastic to deal with and also Scott. Very prompt and willing to go the extra mile to please us. Thanks!
Luke Rutzou and Mandy Edwards 5/02/08
We found your service to be very helpful and informative. As first home owners it was great that we could contact you at anytime with queries or concerns. Thanks.
Graham Bridge 11/1/07
Follow up was excellent. Easy to deal with. Made the process alot easier than doing it ourselves.
Spring clean your mortgage with these tips
Giving your mortgage a spring clean for the year ahead can often end in a pleasing result. A good de-clutter never goes astray and often uncovers financial aspects of your life that need some reassessment or to be changed altogether. A simple adjustment could save you thousands of dollars.
For example, say you have a mortgage of $250,000 at 9.47% p.a., adjusting your budget to include $20 extra per week in your mortgage will save you over $105,000 in interest on the total loan amount plus reduces the loan term by over five years.
The spring season is a great time to get all your paperwork reorganised for the sunny months ahead so why not do this while you're giving your home a 'spring clean'. Then your home really is thoroughly cleared out and all set to enjoy with peace of mind".
- Look at your past year’s budget and expenditure to see what aspects of your spending you can move around so you can perhaps add extra dollars to your mortgage. Every little bit goes a long way to saving interest payments and time off the loan term.
- Get to know your mortgage. Recent research showed more than half of Australia’s mortgage holders do not know their mortgage interest rate. It is one of the biggest financial commitments a person can make so get to know all about it!
- Consider the mortgage features you use. Does your loan have a range of features you don’t use? You might be able to switch to a ‘cheaper’ loan with fewer options. Or, you may benefit from a loan with more features, such as an offset account.
- Look into debt consolidation if you are struggling with a range of debt repayments. By rolling your other debts into your mortgage you will pay less each repayment period and gain some peace of mind. However, remember that those debts will be stretched over a longer period i.e. your entire home loan term.
- Get a free home loan health check from a reputable mortgage broker. There is no obligation so no reason to not check you’re still doing the best thing by your mortgage.