Irene Cujko
Mob: 0411 871 917
Welcome, to all the local residents in KINGS LANGLEY and the surrounding Blacktown area suburbs !
Thanks for taking the time to find out about Mortgage Choice in Kings Langley. I hope you find the information useful.
I've been a Mortgage Choice broker for almost 10 years !! During this time, my staff and I have been fortunate to have helped thousands of first home buyers, to investors, to those looking to refinance their existing loan to lower their repayments, .
My dedicated and experienced support staff are often referred to as "Mortgage Angels " !
Our commitment to you extends well beyond the life of any one loan. Once your loan settles we welcome you to join our existing happy clients in using our service for all your ongoing home loan needs. In fact, the majority of our business comes by way of referral and repeat business.
As your local Blacktown area home loan broker I'm passionate about finding the right home loan for you. The home loan that suits your needs, not the lenders! You can rest assured that I've only got your best interests at heart as Mortgage Choice isn't owned by a bank, and I get paid the same commission*, no matter which loan you choose from our panel of lenders.
Have we reached the bottom of the interest rate cycle?
Many lenders have begun increasing their fixed mortgage rates which is an indication rates may be as low as they're going to go. But the most important thing for a borrower to consider is not necessarily the interest rate of the loan, but the structure of the loan and whether it works for their individual circumstances.
Refinancing should be considered when you want to take advantage of a debt consolidation savings plan, or if you want to switch loan products to one that will pay off your loan faster or better suit your lifestyle and needs. It may also be appropriate to refinance your loan when you are considering a major purchase such as an investment property, car or renovation.
If you are considering refinancing it is important to have your break costs clearly explained before you work out your overall savings. If you want to find out if refinancing is right for you give me a call. Incentives abound for first homebuyers
The property landscape has certainly shifted in recent months. Housing affordability, a raft of Government Grants, concessions on stamp duty, and big reductions in the official interest rate have made it a great time for first home buyers in particular to get into the property market. You may be pleasantly surprised at the cost buying your first home when compared to what you may be paying in rent. I'll take the time to explain the process to you and do all the legwork for you. Weighing up whether to enter the property market? Give me a call and we can talk through what you'll need to support your application.
Visit my office in Kings Langley - I am also available after hours by appointment .
Our office services Kings Langley, Seven Hills, Blacktown, Prospect, Arndell Park, Kings Park, Marayong, Dean Park, Quakers Hill, Plumpton, Hassall Grove, Glendenning, Oakhurst, Schofields, Riverstone, Box Hill, Maraylya, Berkshire Park, Vineyard, Oakville, Rooty Hill, Doonside, Woodcroft, Glenwood, Parklea, Stanhope Gardens, Glenwood, Shalvey, Whalan Dharruk, Minchinbury, Lethbridge park, Mount Druitt, Hebersham " to name just a few !
Contact me today on 02 9674 8014 or mobile 0411 871 917
*This information refers only to loans provided by our panel of up to 23 lenders with whom Mortgage Choice has an arrangement, under which it receives commissions and other payments.
Testimonials
"Irene and her staff make the 'Mortgage Choice' easy. They are quick and professional and get the job done without wasting my time. Throughout the process I was kept well informed and if I had any questions or queries the answers were just a phone call away. I have already recommended Irene and her staff to my friends and family and would not hesitate in recommending her to anyone."
Miss A Bryant
"The level of service, attention to problems, and advice is rare in this day and age. It takes us back to another era when such personal service, beyond the immediate requirements was more common. Thank you, Irene Cujko."
Mr D Heubel
Irene, you and your team are fantastic. We loved that Mortgage Choice kept in regular contact and kept us updated. Customer service is A1. We are happy with the product and achieved our desired outcome. All our friends know we used you."
Mr & Mrs C Murray
"All staff were extremely pleasant, helpful and knowledgeable about their products and roles. I have already recommended friends to your service. You all made the process less stressful. Thank you"
Ms J Wheeler & Mr J Chow
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.