Mortgage Choice in Blacktown
Hello, my name is Guy Lawrence. I'm your local Mortgage Choice Mortgage Broker for Blacktown and North Western Sydney.
I have extensive knowledge of the credit policies and lending products of all lenders. I've built my knowledge over 25 years working in the Banking and Financial Services Sector, the last 10 years within mortgage lending.
If you're looking at buying your first home, planning to renovate your current home, relocating, looking to purchase an investment property or simply wanting to refinance to save some money... I'm here to help you!
All it takes to get started is a simple, obligation free chat to discuss your goals - and I'm always willing to meet at a time and place that suits you.
I will review the lending products from our broad panel of lenders, including the banks, to present you with loans and lending strategies most suited to your needs.
No matter what your financial position is or what type of finance you need, I can help. I have extensive experience across a broad range of finance products that include:-
- Home Loans
- Investment Loans
- Commercial Loans;
- Personal Loans
- Deposit Bonds
- Insurance
- Car Loans
- Leasing & Chattel Mortgages
Why not give me a call today to let me know how I can assist you... I am sure you will be pleasantly surprised at how many options are available to you.
I look forward to hearing from you soon,
Guy Lawrence
Diploma of Mortgage Lending, MFAA Credit Adviser
Servicing:
Blacktown, Kings Langley, Seven Hills, Lalor Park, Arndell Park, Colebee, Dean Park, Oakhurst, Schofields, Acacia Gardens, Quakers Hill, Berkshire Park, Box Hill, Eastern Creek, Rooty Hill, Doonside, Woodcroft, Glenwood, Stanhope Gardens, Parklea, Lethbridge Park, Minichinbury, Mount Druitt.*This information refers only to loans provided by our panel of up to 27 lenders with whom Mortgage Choice has an arrangement, under which it receives commissions and other payments.
It makes sense to review your home loan when moving home If you're considering moving home then you'll need to review your finances.
The home loan that you first took out when you purchased your current home loan may have been right for your situation at the time however with so many new products entering the the market all the time, you'll want to make sure your home loan is still working hard for you in the future.
Reassessing your situation will give you peace of mind that you are either doing the right thing by your finances or that you need to make changes.
Thought about refinancing ahead of further rate rises? Rising interest rates will impact the minimum repayments for variable rate home loan borrowers and could make your budgeting a challenge. Moving to another home loan may save money, time and stress.
Mortgage lenders continue to battle each other for market share by introducing more home loan options, which can only mean good news for borrowers preparing for further rate rises.
Regularly reassessing your situation provides peace of mind that you are either doing the right thing by your finances or need to make changes.
With the economy on its way up, borrowers should reassess their financial needs now and see if their loan matches their situation over the next few years. Shopping around now can pay off in the long run!
Testimonials
We want to sincerely thank you for all your support, assistance and advice with buying our house. It was a huge learning curve for us and you were a great help! Thank you also for being so patient with all of our questions!
We will be sure to pass your details onto any of our friends in the market for a house. We love our new house and are really happy here.|||Danielle & Todd|||First Home Buyer|||Northmead|||NSW
Excellent customer service. Flexible enough to make appointments late in the evening at home for discussions, which saves a lot of time.
They have the best products from a wide range of lenders on offer with recommendations to help choose the appropriate one.
Where banks are very fussy about requirements for self employed professionals and they are not too helpful in suggesting ways to get over the problem, Mortgage Choice have been able to find ways to overcome these problems, making the loan application and approval process easy and stress free.
I have been a victim of the Banks in this regard and Mortgage Choice resolved the problem with a single meeting and the approval was given within 5 days.
Sundar Sarma (Cherrybrook)|||Sundar Sarma|||Refinancer|||Cherrybrook|||NSW
Doug really helped us choose the loan that was right for us. It was great dealing with the one person throughout the whole process and Doug was more than happy to answer any additional questions we had at any time. He provided a professional and friendly service and I would definitely use him again.
* Communication – Doug would always call us straight back with any further questions we had. * Professional service – he provided a professional service but was also quite friendly, he treated you like a person, not a number like the banks do. Keep up the good work Doug and thanks for all your help. We felt quite satisfied using your services and you did all of the work for us!
Sheree & Warren Dowling (Prospect)||||||||||||
Doug gave us professional and friendly advice throughout the time we worked with him on the purchase of our property.
He was always responsive to our needs and flexible with our busy schedules.
We would recommend him to anyone looking to purchase a property.
Michelle Chaperon (Northmead)||||||||||||
How will today's rate cut help you?
Save more by revving up your loan repayment strategy
Published: 3rd May, 2012
Provided lenders pass on all or most of today's Reserve Bank cash rate cut, astute home loan holders who maximise this opportunity could save thousands of dollars in interest and shave months, or even years off their loan term, according to Australia's largest independently-operated mortgage broker, Mortgage Choice.
Company spokesperson Belinda Williamson said, "We hope today's move by the Reserve Bank to lower the cash rate by half of a percentage point to 3.75% does not become a non-event for variable rate borrowers. A decision by lenders to pull the rate lever will likely have a much needed, positive impact on property buyers' plans and borrowers' ability to repay their home loan quicker."
"It is no secret that some lenders have shown a reluctance to pass on the full rate cut in a bid to safeguard their businesses against future funding costs. However, we are hopeful that in an effort to reignite the property market, entice new customers and in the spirit of competition, lenders will lower their home loan interest rates.
"Even if lenders, regrettably, pass on only part of the cash rate cut, astute borrowers who rev up their loan repayment strategy by keeping repayments at the pre rate cut level could save thousands of dollars in loan interest and shave months, or years off their home loan term."
If a lender passes on the full 0.50% rate cut announced today, for someone with a $300,000 loan at 7.25% over 25 years, it would lower monthly loan repayments by around $96.
"If a borrower continued to repay their loan at the pre cash rate cut level, leaving the monthly savings of $96 in each repayment, it could save them $68,364 in total interest payable and may see them repay the loan two years and eight months earlier," said Ms Williamson.
"If lenders choose not to pass on all, or most of the cash rate cut, borrowers should see it as a signal to shop around for a more competitive deal. Of course, they should not move from one lender and/or loan product to another without carefully weighing up the cost versus benefit of doing so.
"Health checking a home loan with a mortgage broker is a great way to ensure you are getting the deal suited to your needs and financial circumstances."
To see the impact extra repayments can make to your home loan, visit Mortgage Choice's Extra Repayments Calculator:http://www.mortgagechoice.com.au/extra-repayments-calculator.