Irene Cujko
Mob: 0411 871 917

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

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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.

Mortgage tips to help borrowers own their property sooner

While interest rates and living costs are rising, the possibility of borrowers improving their mortgage situation via a few key steps is an opportunity not to be overlooked.

To help borrowers take a few steps closer to being mortgage-free, Mortgage Choice suggests going over the following checklist:

Step 1: Is your current mortgage still the most suitable for you?

Circumstances change, as do your needs. Consider how competitive your lender’s interest rate is, what features you are paying for and aren’t using, the fees you’re forking out for and what kind of costs are associated with switching loans and/or lender. A reputable mortgage broker can offer a no-cost home loan health check to compare your loan to others currently available.

Step 2: Are there ways to pay off your mortgage quicker?

Have you been throwing money into the home loan account wherever possible e.g. your yearly tax return or bonus or leftover monthly wage? Every cent counts. Is it possible for you to repay at a faster rate via other methods e.g. paying fortnightly instead of monthly or making the loan a partial offset?

Step 3: Are you interest rate savvy?

Have you been repaying your mortgage as though its interest rate was at least two percentage points higher, preparing yourself for rate rises and in the meantime reducing your loan term and the amount owed? This will encourage a good savings habit and make adjusting to rate rises less burdensome.

Step 4: Is refinancing an option?

If you are struggling with your repayments, consider refinancing the home loan over a longer term than you have left. Or, if you’ve been making extra repayments to reduce your home loan amount, you could always refinance the home loan so your repayments reflect what you owe on the loan, not the original home loan amount.

Step 5: Have you looked at your spending habits?

Are you spending more money than you need to e.g. transport, entertainment, fast food? Continually list your expenses to see where you can save money and contribute more into your mortgage. Once you have revisited all of the above steps, re-do your budget so you really are beginning the year ahead.

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