Irene Cujko
Mob: 0411 871 917

Shop 12, Solander Centre
Solander Road
KINGS LANGLEY NSW 2147
Tel: 02 9674 8014
Fax: 02 9674 5810

Mortgage Choice in Blacktown, Kings Langley and Surrounds

Hi, I'm Irene Cujko, your Mortgage Choice Mortgage Broker for Sydney's Blacktown Area .

With a background as a Bank Manager and now with more than 10 years' experience as a Mortgage Broker, you can be confident that no matter your position on the property ladder, whether first home buyer, long term investor or looking to refinance, I can help you with all your finance and insurance needs " and we can get started with a simple, obligation free chat.

The team and I are passionate about what we do. Assisting people find lending products that help them secure financial futures for themselves and their loved ones is a role we cherish, and one we take very seriously. We're Mortgage Broking professionals and we're here for you.

Making it Easy For You
There's no hiding the fact that finding finance is a complex and time consuming process " that's why it pays to talk to professionals. The team and I have helped thousands of families and individuals across the Western Suburbs with their finance needs, and we'd like to help you too - you'll be surprised just how easy we make it.

Following an initial chat about your property goals, we'll analyse loans from a range of lenders and present you with clear information about the available loans. We'll explain the options, answer your questions and provide the expert guidance and all the personalised support you need to help you make the decision that's right for you.

With a loan chosen, my team will take care of all the details and keep you fully informed every step of the way. From submission of the loan application, managing the approval process right through to settlement, you don't need to lift a finger " we dot the i's and cross the t's to ensure the smoothest and simplest experience for you " it's no wonder many of our clients call the team their ‘Mortgage Angels'. They really do!

Providing the highest level of personalised service coupled with an in-depth understanding of the lending market is what sees clients return to us " and it's what sees clients referring us to family and friends.

Talk to us about:
- First home loans
- Investment loans
- Commercial loans
- All insurances

We look forward to welcoming you to our offices in Kings Langley.

Irene and The Mortgage Angels
Winner: Broker of the Year Insurance Award (Mortgage Protection & Life) " Australian Mortgage Awards (AMA)

Our office services Kings Langley, Seven Hills, Kings Park, Blacktown, Prospect, Arndell Park, Marayong, Dean Park, Quakers Hill, Glendenning, Vineyard, Oakville, Riverstone, Hassall Grove, Plumpton, Oakhurst, Schofields, Box Hill, Maraylya, Berkshire Park, Rooty Hill, Doonside, Woodcroft, Glenwood, Parklea, Stanhope Gardens, Glenwood, Shalvey, Whalan, Dharruk, Minchinbury, Lethbridge Park, Mount Druitt and Hebersham to name just a few!

Set resolutions to repay your home loan sooner

This year's tips for budgeting, spending and managing your mortgage

 

Becoming a better budgeter, wising up on spending and making the most of any savings can help borrowers master their mortgage and own their home outright sooner, according to Australia's largest independently-operated mortgage broker, Mortgage Choice.

Company spokesperson, Belinda Williamson said, "If your goal is to pay off your home loan sooner, the beginning of the year is a great time to set new financial resolutions."

"Challenge yourself to ramp up your home loan repayments by readjusting your budget and finding ways to make extra contributions to your mortgage.

"Well thought-out saving, spending and loan repayment strategy decisions can help put you months or even years closer to living mortgage free. Keep in mind even small financial changes can have a big impact on how much interest you pay over the life of your loan and the length of your loan term."

Mortgage Choice offers these financial resolutions to help borrowers own their home outright sooner:

Resolution 1. Become best buddies with your budget
If you don't already have a budget, the New Year is the ideal time to start one. Ensure it factors in all your regular spending - home and/or other loans, utility bills, medical expenses, memberships, grocery bills, insurance costs, etc. Don't forget to include funds for socialising treats. Be honest with your budget and refer to it each time you contemplate a new expense.

Resolution 2. Slash your cash limit
Consider ways to cut your daily spend. For instance, a daily caffeine hit at $4 per weekday equates to $80 per month. Did you know by making a coffee an every-second-day spend and contributing $40 extra per month to your mortgage from day one (based on a $300,000 loan over 30 years at 7%) could reduce the total interest owed by around $31,000 and the loan term by almost 2 years?

Resolution 3. Review your home loan with a fine-toothed comb
There could be underutilised loan features costing you money or features worth refinancing for. Get to know your loan's features. Your mortgage broker can help review your current loan and its features and identify any opportunities to shop around for something better suited to your goals.

Resolution 4. When rates fall, keep repaying more
If your home loan's interest rate has recently fallen, consider keeping your repayments at the higher, pre-fall rate. For example, take a home loan of $300,000 at 7% over 30 years. If your rate reduces to 6.5% and you keep repaying your loan as if the interest rate was still 7%, you could shave approximately 4 years off your loan term and save around $60,000 in interest owed.

Resolution 5. Make the move from monthly to fortnightly
Switching your monthly repayment to fortnightly may make a significant difference to your loan term and the interest owed. There are 12 months and 26 fortnights in one calendar year; by paying fortnightly, you make the equivalent of 13 monthly repayments. The savings, based on a $300,000 loan at 7% equates to around $103,000 in interest and about 6 years and 6 months off the loan term.

We are both professionals and Irene has assisted us in applying for finance over the past 7 years.

We find Irene to be extremely competent and she has a thorough understanding of simple, through to complex residential lends.

Irene is a highly experienced professional and has similar expectations and standards in business; hence we enjoy dealing with her. We also feel far more comfortable divulging everything a Funder/Lender requests and handing over sensitive documentation because we have peace of mind with someone we know and can trust.

Both of us live busy professional lives. Having a stable long term point of reference makes the application process easy. Irene and her team not only prepares all our documentation but also follow-up on everything and let us know where things are in the loan process. This saves us time and money and removes any stress one feels during the time of applying for finance. Her office is also professional and sensitive when contacting us.

J Hague , T Mawbey
Upgrader
North Rocks, NSW

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