James Hasselle

Shop 2, 1920 Gold Coast Highway
MIAMI QLD 4220
Tel: 07 5508 2205
Fax: 07 5508 2204

Home loan, commercial loan and personal loan specialists on the Gold Coast.

Mortgage Choice in Miami holds a wealth of knowledge and experience within the mortgage and finance industry. We have won numerous awards from both Mortgage Choice and the MFAA and continue to be one of the exceptional performers within Mortgage Choice Australia.

Home loans are what we do, and we do them very well. The reason for our success is we settle more home loans than the rest, and we do this firstly by knowing our products inside and out.

Next is the relationship with the individual home loan providers. As we submit more home loan applications than most, we receive a far greater service and have access to people at the top that get things done.

In these uncertain times lending criteria is constantly changing. Keeping up to date with the changes to all our home loans is paramount in achieving the right results for our clients. That's why we have an extensive in house training program, on top of the recognised industry standard, that equips our brokers with knowledge that far exceeds Government guidelines and industry expectations.

Using our extensive panel of lenders, at no cost to you, we will set you up with the best possible home loan for your circumstances. This hassle free process begins by contacting us and spending 15 minutes explaining what it is you are looking to do, your dream and how you wish to achieve it! We then do all the research and find the most suitable home loans for your situation, at which point we invite you to our Miami office to study them all in detail.

On top of our home loan consultants we have now employed and trained, using the same principals, specialists in commercial finance and personal loans. As with home loans, commercial loans and personal loans are understood inside and out and we place the same significance on product knowledge and lender relationships.

Mortgage Choice in Miami can quickly arrange the following types of finance:

  • Home Loans
  • Non-Conforming Home Loans (Bad Credit)
  • Commercial Loans
  • Personal Loans
  • Car Loans

    Opening Hours

    Mon 9am - 5pm
    Tues 9am - 5pm
    Wed 9am - 5pm
    Thurs 9am - 5pm
    Fri 9am - 5pm

  • 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.

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