Lexie Wilkins
Mob: 0402 648 347
Your Home Finance and Mortgage Specialist in Perth, Subiaco, Wembley
Obtaining a home loan can be confusing and at times a little scary. At Mortgage Choice we understand this and take the time to discuss your needs and answer any questions you may have. In fact, when you use Mortgage Choice, it is like having many of Australia's leading banks and lenders all competing for your business (which means you'll get a great deal!!)
Here are some other good reasons why you should contact us:
Convenience:
We'll meet you at a time and place that best suits you to establish your preferences. Then we'll do all the research and running around to manage every step of the application process for you.
Professional Advice
At Mortgage Choice we are fully trained and accredited with every lender we represent. With many years of experience, we are able to provide you with a variety of resources to assist you along the way. We will help you analyse and compare hundreds of different loans to find the one most suited to you.
We pride ourself on excellent customer service at all times, from the initial interview through to the settlement of the loan. Our "Client for Life" philosophy means you have our commitment that we will continue to work with you to ensure that your home loan continues to meet your changing life circumstances, whether:
Buying your first home
Upgrading to a bigger home
Refinancing
Buying an investment property
Importantly, we do not charge you for our home loan service no matter which home loan you choose from our panel of lenders.*
We are a one stop shop for other loan and insurance requirements too!
Our Consultants are also able to assist you with organising:
Car Loans
Personal Loans
Commercial Loans
We uphold the values of our customer charter and when assisting with your loan needs, adopt a strong duty of care, giving you the opportunity to take up:
Income Protection and,
Life Insurance
Steady cash rate warms winter chill
Potential and existing property market participants will be cheering the Reserve Bank of Australia's decision to keep our cash rate steady at 4.5% for a third consecutive month.
The decision is a positive influence on what is sure to be a very active spring selling season.
It is likely the rate will sit at 4.5% until at least the next round of CPI data is released, on 27 October.
This will be a great relief for anyone repaying a variable interest loan or approaching the end of their fixed rate term, just as it will be for those who are looking forward to jumping into the market during spring. The steady cash rate may also encourage some borrowers to utilise equity they have built up in order to update or extend.
Now may be a good time for a for a home loan health check. The market has changed considerably in recent times, so borrowers should be exploring their options to see if there is a more suitable and/or cheaper loan out there to suit their needs.
If you would like to make an appointment to discuss your home loan options, please call 0412886621 or email lexie.wilkins@mortgagechoice.com.au
Winner: 2008 Mortgage & Finance Association of Australia Award
This franchise is independently owned and operated by Atac Holdings Pty Ltd ABN: 74 106 737 464 FB Lic No: 2522
* This information refers only to loans provided by our panel of up to 30 lenders with whom Mortgage Choice has an arrangement, under which it receives commissions and other payments.
Testimonials
The service I received was above any expectation, your follow through from initial enquiry until after settlement was unwavering. Thank you - Vicki
Fabulous service. Very satisfied and would highly recommend to others - Fiona
Thank you so much for everything Mark, you helped make our busy lives less stressful! - Brendan and Karen
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.