Caroline Jean-Baptiste
Mob: 0425 800 887
Your Mortgage Choice broker in Inner North Brisbane
Arranging home loans, Servicing all Brisbane suburbs including Brisbane, New Farm, The Gap, Fortitude Valley, Newmarket, Ashgrove, Red Hill, Newstead, Milton
Winner - Gold Award 2011
Finalist - Single Operator of the Year 2009
Winner National Single Operator of the Year 2007
Winner Queensland Single Operator of the Year 2007
Call to make an appointment with an award winning mortgage broker.
WHAT WE OFFER YOU
Caroline and her team excel at highly effective and personalised service which means:
You'll receive dedicated support and personal attention from the principal and staff, providing you regular updates so you'll always feel like you're in the loopCaroline will help you find the most suitable loan and a better deal, genuinely taking the time to listen to your needs and provide a loan structure that your accountant and financial planner will also be happy withA more friendly and stress-free experienceWHAT WE DO
Residential purchases - we help you with the First home owners grant or any other paperworkInvestment loans - we can structure your loans and consult with your accountant or financial plannerRefinancing - we ensure you get the most suitable loan and a competitive rateDebt consolidationLoan structure - we can help you achieve your financial goalsEquipment financeCommercial loansAs a Mortgage Choice Broker we are paid by the lender so there is no cost to you.
Testimonials
I would highly recommend Mortgage Choice to any of my friends, family or work colleagues. In particular, Caroline was friendly, knowledgable and provided an extremely high quality of service to make buying my first home an enjoyable and stress free event.|||Ian|||First Home Buyer|||Brisbane|||QLD
Caroline & her team were so efficient & professional. I have already recommended their service to a work colleague.|||Jenny C|||Refinancer|||Keperra|||QLD
As usual, Caroline & her team make what would normally be a stressful, confusing thing; a far less traumatic one! Knowing I don’t have to worry about anything makes my life much easier every time...wouldn’t trust anyone else with my financial needs...|||E Meyer|||Upgrader|||Buccan|||QLD
To know that Caroline has an excellent support (Janet) we felt we were in good hands. Caroline also has a great overview of the available home loan products on the market and assisted in re-structuring our loan to our interest looking long term. Another great work again from Caroline and would definitely use her again in the near future. Give us three years!|||R & O Sike|||Refinancer|||Oxley|||QLD
I have been extremely pleased by the service I have received from Caroline and her staff - from the initial contact, through the loan application and approval process, Caroline and her team made what i know from prior experience can be a stressful time to really a painless experience!|||Ben T|||Refinancer|||Taigum|||QLD
Caroline was great to deal with, particularly assisting us to find a flexible loan to work with our complex circumstances. Everything went well and we were kept up to date all along the way. I can recommend Caroline’s office and Mortgage choice to anyone wanting an easy and informed process.|||Christopher B|||Upgrader|||Ashgrove|||QLD
Thanks Caroline and thanks for all your patience and wonderful help.
You have made this a very easy process for us. We will have no hesitation to recommend your services in the future to people we know. With heart filled thanks.|||Tracey and Daniel|||Property Investor|||Virginia|||QLD
Caroline Jean-Baptiste was exactly the right combination of all the facets of a good broker. She kept in contact prior to signing up without exerting any pressure. She gave a flexible service coming to my work and home on numerous occassions. She displayed a confidence in her products that inspired stress free decisions. Her team are most efficient and communicate effectively on all issues. I'd commend her to anyone who thinks they can do without a broker.|||Tina O|||Property Investor|||Ashgrove|||QLD
LOVE YOUR WORK!!!! 2 mortgages now, and still a happy customer.|||Rachel M|||Upgrader|||Nundah|||QLD
You have done an awesome job once again. Thanks for making this happen. Caroline – your positive attitude is what we appreciate the most.
Keep up the good work - it is faultless. Extremely accomodating and a seamless experience.|||G Devlin|||First Home Buyer|||Bellbowrie|||QLD
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.