Helen Aubert
Jacquie Schmutter
Yarra Ranges - Mortgage Broker and Loan Writers
Are you a first home buyer or thinking about refinancing or investing?
Or are you considering your finance options for personal loans, car loans, leases and commercial lending?
At Mortgage Choice we can help you sort through the maze of lending options, whether you're a first home buyer, a home owner wanting to refinance, a property investor, or business owner. We believe in taking the hassle out of finding the most suitable home loan for you, while delivering quality service every step of the way.
Mortgage Choice in the Yarra Ranges offers mortgage, personal and commercial loans to fit your unique needs.
Why use Mortgage Choice instead of your bank?
The answer is home loan choice. We work with a panel of top home loan lenders, so we can offer you a full range of home loan choices. Banks will only offer you their own home loan products which might not be the most suitable option for you.
We're happy to visit you anywhere in the Yarra Ranges and beyond. Contact us today by using the "Contact us" link at the top of the page.
Or come and share a coffee at our friendly office in the Mountain Gate Shopping Centre in Ferntree Gully " at the corner of Ferntree Gully Road and Burwood Highway.
About Mortgage Choice
We have helped hundreds of people buy their first home, refinance and organise their investment loans. Besides mortgage and personal loans, we offer a range commercial lending options.
Home Loans
Mortgage Choice brokers can analyse over 400 home loans from our panel of Australia's leading lenders to find the home loan that matches your needs. The banks will only offer you their own home loan products, which may not necessarily be the best option for you.
Mortgage Choice does not sell our own home loans and our mortgage consultants are paid the same* regardless of the lender you choose. With our hassle free service, we do all the running around and meet when and where it's most convenient for you. Your bank may not have the flexibility to offer you this service.
At Mortgage Choice, service sets us apart " we believe in providing exceptional service, building a relationship with you and helping you over the years with your home loan needs.
Why not get started by clicking on the "Contact us" link at the top of this page to find out how much you can borrow
Personal Loans, Commercial Loans and Leasing
We can also assist you with personal loans, commercial loans and leasing for any worthwhile purchase. Call to make an appointment or use the "Contact us" link at the top of the page.
Our Team
Experience and knowledge " let's make your next purchase a memorable experience
Our goal is to make the process of getting your loan as easy as possible. As a team of mobile mortgage brokers, we can visit you at a time and date that suits you and evaluate the hundreds of loan products available from our wide panel of home loan lenders.
We're able to assist you with information, advice and home loan applications for:
First home buyers and information on the first home buyers grant
Debt consolidation
Investment loans
Refinancing
Loans for renovations.
If you're curious about how much you can borrow or whether you can afford and investment property, contact us using the "Contact us" link above and we'll answer you today!
Once we understand your needs, we analyse the home loans available and we are able to match you with the most appropriate one, saving you precious time. By using our friendly services you eliminate the hassle of shopping around, so you don't need to go from lender to lender, getting anxious and confused. We work diligently to get the loan that is suitable for YOU!
During our first meeting, we show you our Company Charter which details that Mortgage Choice does not charge you for the service and how we are paid by the lender once your loan is settled. We have a genuine passion for property and finance, and you'll discover our high level of enthusiasm, personal service and dedication. Assisting with your home loan application is just the beginning of our business relationship.
All you have to do is decide what time you'd like us to visit you, and get your documentation in order. Then you can sit back and relax while we do all the legwork for you. Our aim is to make this exciting time a most pleasant and enjoyable one for YOU!
*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
Helen - Many thanks for all your help with my refianceing of my loan. i found you to be a very kind and helpful lady. All my best to you and the girls there. - Cath Williams
Helen - Thank you for your patience and perseverance - Carolyn and Phil Thornton
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.