James Hasselle
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
Testimonials
Dear Sirs,
I recently did business with Mortgage Choice Miami and wanted to thank your entire team for their helpful attitude, their support and their professionalism.
As a first home buyer I was daunted by the process of finding the right loan and getting the process completed correctly. The Mortgage Choice team made this process easy and stress free. They were extremely informative and kept me updated at each step of the way.
I was especially impressed by the overall professionalism of Mr James Hasselle whose knowledge and experience allowed me to confidently buy my first home.
Thank you Mortgage Choice Miami
Best Regards,
Kylie Mills
Dear James and the team at Mortgage Choice
I would like to extend my gratitude for the working relationship that we have developed with you.
Professionally we approached your agency to increase our property portfolio. We did this three fold to a valuation that we never would have expected. This would only have been realised through a team approach from Mortgage Choice Miami.
The advice from James has directed us to where we want to be. Courtney at the front has always provided a lovely smile and a professional approach towards the business. We even sighted her in the office throughout the xmas break.
This is not an everyday testimonial...we are very happy with the loans that we have in place, and now possess more property than we could have dreamed. Thanks to the dedication and honesty in all the dealings that we had in each and every loan James has negotiated.
Regards
Brett & Larraine
I would like to thank you very much for all you've done. The situation I was in twelve months ago seems so insignificant now. Everything you have done , from explaining the basics of the housing market, to your complex drawings on the different types of loan. It still amazes me how you managed to get a lower rate than I could with my own bank.
I would also like to thank you for helping me set up the internet banking. As sugested I've logged on and checked that all the payments are correct. I'm starting to get the hang of it and have even paid a few bills.
Thanks once again for all your work.
Clem
Dear James,
Thank you for the effort you have put into securing the home loan for my son Tom and taking steps to protect his best interests.
In my professional experience I have not had occasion to be as closely involved with a mortgage broker as I have during the course of this transaction. Of course, I have known of their involvement and my clients have talked about mortgage brokers but this was my first experience with a mortgage broker on a personal level.
You and your team have exhibited commitment and enthusiasm and as a result of those qualities you have ensured that the transaction proceeds to settlement. Without your assistance and your input, my job as Solicitor for the buyer would have been a great deal more difficult and, in most circumstances, that would have cost the buyer additional money. Without the work you have done , Tom may have found himself in a mess.
I highly commend your services to any potential borrowers and I attest to your capability, dedication and enthusiasm.
Yours faithfully
Paul Dent
Reaburn Solicitors
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.