Graham Baxter
Mob: 0422 888 080
Mortgage Choice in Maroubra - A Local Home Loan Team now in the South Eastern Suburbs of Sydney
With a wide range of leading lenders on our panel there's only one place you need to contact should you require advice and assistance on financing or refinancing the purchase of your home or investment property - Mortgage Choice Maroubra!
If you're looking to consolidate debt from credit cards, personal loans or car leases etc.; have an impaired, poor or bad credit history; need finance or wanting to refinance the purchase of a retail, industrial or commercial property; have little or no deposit, with hundreds of home loan and investment loan products to choose from your solution may be a simple phone call away.
For even the most financially savvy, borrowing money can be stressful or make one anxious. This is often so for First Home Buyers. Our service is based around minimising this experience and helping you achieve your goals by finding the right loan to suit your needs.
So if you need advice, why not call us? There's no charge for our service and we provide assistance obligation free. That maybe why we've been voted "Best Mortgage Broker 2007, 2005 & 2004" (Australian Banking & Finance Magazine Awards).
Voted "Best in the Mortgage & Finance Industry MFAA 2008 Excellence Awards".
Testimonials
Graham, thank you for all your time and effort in advising, processing and finalising my home finance, it was very reassuring to have someone so reliable and approachable to deal with, I will definitely be recommending you to anyone in the hunt for a good broker!
A big thanks to Melissa as well, she was very proficient at her role.
Kristen Wilkie – Randwick, NSW
Hi Graham,
I just want to thank you for your assistance and direction in helping me to consolidate my financial situation.
Discussing my circumstances with you helped me to clarify my long term goals and your empathy and encouragement showed me how I could achieve them.
With Mortgage Choice it was so easy to evaluate the different financial institutions and decide on the most suitable one for me, and it was a huge relief to have you handle all the financial negotiations once I'd decided what I wanted to do. The whole process was painless !!!!
I really appreciated your guidance and enthusiasm and I will definitely contact you when I'm ready to invest again.
With thanks and regards......
Carmel Walker
The South Eastern Junior Rugby League Football Club acknowledges the generous financial sponsorship support provided by Graham Baxter of Mortgage Choice to our Club over the past five years. During our association with Mortgage Choice, South Eastern has grown into the second largest Junior League Club in the South Sydney Junior League competition. Last season South Eastern fielded 27 teams and expects to field 30 teams in season, 2008. South Eastern is considered a family Club with the majority of our teams in the Mini and Mod Grades where families are actively involved with their children’s teams. Sponsorship plays an important role in assisting with the funding of the Club’s ongoing expenses associated with the provision of training gear, game drinks, first aid gear, end of season gear and team trips away and Mortgage Choice’s generosity in this regard is recognised by the South Eastern Club, our players and their families who are actively involved in the great sport of Junior Rugby League. Yours in Sport Tony Whiteley
Hon Treasurer
South Eastern JRLFC
Kendal, Lucas and I have settled into our new property at Canterbury and I wanted to take this opportunity (a little belated) to thank you for your assistance and guidance through the process of buying our house.
Our first property purchase a few years ago seemed to go through really smoothly and this time around it felt like we hit dozens of speed humps along the way but it was reassuring for Kendal and I to have the benefit of your knowledge and experience behind us - particularly as in real estate at times we felt like we were "swimming with sharks". Thanks again for your efforts and the time you took to look after us. The service was outstanding and your advice first rate. We look forward to dealing with you again in the future
Mark and I would like to pass on our feedback regarding Graham Baxter. I don't think there are enough words to describe how helpful and informative he was. At first we weren't sure about buying a property, but after speaking to friends who had gone through Graham last year, all of our concerns disappeared... Thanks again
Mark & Amanda Di Nicola - Marrickville
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.